Taylor Langlois, Medicare Insurance Agent
About Me
Hello! My name is Taylor, and I'm your committed Medicare consultant and agent. My business mainly deals with Medicare, and I will be happy to help you find the most suitable plan available to suit your unique needs while considering your budgetary constraints. I'll conquer the challenge of sorting through plans from nationally and locally recognized companies on your behalf so that you won't have to. And the best part? My services are completely free! Contact me today to explore your Medicare insurance options. I look forward to speaking with you soon.
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Q&A with Taylor Langlois
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: It sounds cliché coming from me, but the biggest mistake seniors make is not having an independent agent acting on their behalf. When calling into insurance companies for help, their sole job is to sell you their product, whether it's the best option for you or not. You want someone who has a financial incentive to assist you in finding the right type of coverage by going over all your options and not leaving anything to chance. Imagine a doctor that only wrote you prescriptions from one pharmaceutical company; you'd have questions about their motives just as I would too.
What is one of the the most common misconceptions people have about Medicare?
Answer: One of the most common misconceptions about Medicare is that it covers all healthcare costs for seniors. Turns out, Medicare doesn't cover every single healthcare expense. Additionally, many assume it includes long-term care (like nursing homes) or dental, vision, and hearing services, but these items are not covered under original Medicare. People often learn this the hard way when they realize they need supplemental insurance like Medigap, Medicare Advantage, and other tertiary coverage options to fill those gaps. It’s a rude awakening for those who think Medicare = free healthcare, hence the need to fully understand your options to make the best decision for yourself.
Which Medicare Supplement plan (Medigap) offers the best value for most seniors, and why?
Answer: It's kind of a loaded question, but if we're talking in terms of what's available to seniors nowadays, it's hard to beat the Plan G. Right now it strikes that sweet spot between comprehensive coverage and cost. Excluding the Part B deductible, it kicks in to cover 100% of Medicare-approved costs like hospital coinsurance, Part B coinsurance, skilled nursing facility care, and even excess charges that my second-place option, a Plan N, doesn't cover. I've had a lot of people tell me "but I googled it and only 2-3% of doctors bill those excess charges so why wouldn't I just get a Plan N if it's usually cheaper?" and I will say that it's very attractive for many individuals. That's not to just completely trash other options, but the case for the Plan G though is just simply peace of mind, something I know most seniors ask for with their Medigap policies. Individuals that want predictable costs will generally be more satisfied going that route.
Does Medicare cover eye exams, or are seniors left paying too much?
Answer: Unfortunately Uncle Sam forgot to include your eyes, ears, and teeth with Medicare. There are instances where Medicare covers eye exams, but they have to be tied to specific medical conditions like annual glaucoma screenings for high-risk folks, cataract surgery, or exams for diabetic retinopathy. Thankfully there is vision coverage for pretty much any instance you find yourself in with Medicare.
What are the signs that it's time for me to switch my Medicare plan, and how often should I review my options?
Answer: There's three signs I always tell people it's time to go shopping for other options:
1) Cost changes (prescriptions, copays, premiums, etc.)
2) Health changes like new meds or complications
3) Doctor changes
I'll also throw in if your benefits change on your coverage. Those are all reasons I'd want to review my coverage to see if anyone is offering better.
That being said, I will always tell people that a good time to check your coverage is at least once a year. Typically we do that review with our clients anyways.
What are some ways to ensure your parents feel supported during the Medicare decision-making process?
Answer: I'd say the best way to assist any family member when making any decisions is to do what we do: listen to what the major concerns are, walk with them through their options, and give them confidence so that they're doing what's best for them.