Tasha Riggs, Medicare Insurance Broker


About Me

Tasha Riggs has over 16 years experience in the industry. She understands all the complexities with insurance and can be your best guiding light to understanding your plan.

At Tasha Riggs Agency, we understand that insurance can be complex. That's why we specialize in crafting personalized plans tailored to your specific needs. Whether it's health insurance, Medicare, or long term care, we navigate every option and help secure tax credits to make your plan more affordable. Our commitment is to serve as your advocate, not the insurance companies.

Choosing the right insurance should not come at a premium.

At Tasha Riggs Agency, our expert advisory services are completely free—no hidden fees, no markups. We provide direct access to a wide range of customizable insurance options, ensuring you get the best coverage without any additional cost.

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Q&A with Tasha Riggs

What is the biggest mistake seniors make when enrolling in Medicare?

Answer: Getting information from Friends and Family and not an expert in the field.

Your friends and family understand what they have but they don't see the whole picture and how it works as a whole. Get advice from a true broker who has access to All or a majority of the plans. Not an agent who is selling only one or two products.

What is one of the the most common misconceptions people have about Medicare?

Answer: People hear that Medicare advantages are all HMO and need referrals. That is not true. They are also PPO's and the networks are VERY large. You can travel and even go out of country and you do not need referrals!

How will the new 2025 Medicare Part D out-of-pocket cap impact seniors and prescription drug costs?

Answer: You may have to pay more upfront costs for drugs. You may need to pay a drug deductible.

I would run the cost of your drugs each year to see what it will cost.

What’s the process for signing up for Medicare if I’m already on disability benefits?

Answer: The Medicare card will automatically come to you if you have disability benefits. You do not need to do anything!

How can I lower my Medicare Part B premium if my income drops after retirement?

Answer: You can apply for LIS. Limited Income Subsidy.

Some Medicare advantage plans will help pay for part B if you really need it.

What’s the best way for seniors to protect themselves from Medicare-related scams?

Answer: Meet an agent at their office. Look at their google reviews. Get references.

Do not work with a person who randomly calls you. No one is legally allowed to call you unless you give them your consent.

How can I verify if a Medicare Advantage plan’s advertised benefits are legit?

Answer: Many advertising is a marketing tactic to get you to call them. I would avoid calling numbers on TV and avoid answering calls you did not request. I would find an actual broker with good reviews on google to speak to. Some of those benefits are available and some only for certain clients. If you ask from April to September they cant pressure you into a sale since it is not open enrollment so that maybe a good time to ask questions with out being pressured.

Should there be stricter regulations on Medicare Advantage marketing and sales practices?

Answer: No. The regulations make is harder for honest people and the seniors. The issues is that the dishonest people are NOT following the rules. Calling Seniors with permission to contact forms. They are signing them up without Scope of Appointments.

The high pressured scammers are the problem and not following any rules. I get calls every 10 minutes from people trying to pressure me and make false claims about insurance and I am a broker!!

Why is the new $2,000 out-of-pocket maximum for drug costs important?

Answer: It is good to know if your drugs get super expensive that you can not spend more than 2,000 in a year. There was no cap before and the donut hole was financially hurting people.

I love the 2000 cap!!

Are Medicare Advantage plans really “free,” or is that just clever marketing?

Answer: Yes a majority of Medicare Advantages are free.

Medicare advantages you pay a copay as you use it.

Many of them come with dental, vision, hearing, over the counter items, and some healthy foods!!

Does Medicare cover eye exams, or are seniors left paying too much?

Answer: Medicare supplemental or original Medicare is Only health

Medicare Advantages have all the extra bells and whistles. Most of them have Eye wear coverage.

If the Eye exam is for a medical reason it will be covered under all plans

Do Medicare Advantage plans really save seniors money in the long run? Why or why not?

Answer: Medicare Supplements premiums go up every year and so do the drug cards. You pay that larger premium each year weather your sick or not.

On Medicare advantages, most of them premiums are No cost and you pay Copay as you use them. The Copays control the costs and the copays cap out each year. Less than 1% ever hit the max copay or max out of pocket on a Medicare advantage plan.

You may have a few bad years but not every year and over time Medicare advantages do save you money. Not just on premiums but they also have extra dental, Vision, hearing and over the counter items that Original Medicare does not.

What do seniors often misunderstand about Medicare’s coverage for long-term care?

Answer: They believe Medicare Covers Long term care. It does not. After 90 Days in a Skilled Nursing or Hospital and you are not getting better you will need extra assistance above what your health plan will cover.

I’m on Medigap Plan G, and I’m curious how my upcoming knee replacement surgery will be billed. Does the plan cover it all after my deductible?

Answer: Yes!! Once you meet the deductible you will have 100% as long as the providers you are seeing accept Medicare. Physical Therapist may not may not take Medicare so make sure they are contracted with them.

Why did I receive a Medicare Summary Notice, and what should I do with it?

Answer: The notice is used to Notify beneficiaries of decisions on a claim made for Medicare.

I would open it and see what claim they are talking about. If you have questions I would call them.

Will I be penalized if I do not enroll in Medicare when I turn 65?

Answer: Yes

Part A is free and it is a 10% penalty if you don't sign up for that

Part B cost 185 a month.

Part D for Drugs : The fine is 1% each month so 12% each year

I would go to www.ssa.gov 3 months before apply for A and B

If you want to keep your work plan you do not have to sign up for B. However, even though you can keep your work plan and it maybe no cost, Medicare has stronger coverage and your costs when you use it will be lower.

I would find a local broker you can trust and talk to them.

I am also always available so you can talk through it to see which way is best for you

I've heard about Medicare fraud. What steps can I take to protect myself from scams related to Medicare?

Answer: If you did not request information about Medicare do not answer the phone for random people who call you out of the Blue about Medicare.

Only talk to people that you signed a written agreement for them to talk to you.

I would also google their name they work for. Not the insurance company name and their personal name to see if they have a reputation.

For instance, If you google my personal name you will see great reviews about me and my team.

If you google each medical company you will get mixed reviews.

You have to know and trust the person who is giving you recommendations.