Thermon Holliday, Medicare Insurance Agent
Thermon Holliday
TRH Insurance
Medicare Agent Licensed in CA, GA, NV, OR and TX
7+ Years of Experience
Contact Details
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Location
Pasadena, CA
Thermon Can Help With:
About Me
Thermon “Rick” Holliday started TRH Insurance with the goal of helping his clients maximize the benefits they receive from Medicare while minimizing the hassle and confusion of the enrollment process. His three-pronged approach—educate, advise, enroll—ensures that his clients get the right coverage for their specific needs.
Rick also specializes in helping employers transition their employees to Medicare from group insurance, which not only ensures they have excellent health insurance as they age but can also save companies thousands of dollars every year.
Rick views his role as his client’s guide and advocate as an ongoing process rather than a single task to be completed. As they age and needs change, he’ll be there to help them adjust their coverage so that they can live out their retirement in excellent health and with dignity.
Q&A with Thermon Holliday
Can I use a health savings account (HSA) to pay Medicare premiums after I retire?
Answer: Absolutely, that is exactly what the funds saved into an HSA are for, "Health Savings Account". If you want to maximize the benefits of your HSA, look back at any years you may have made an out-of-pocket medical payment. If so, you are able to reimburse yourself for the full value of the payment.
Thermon (rick) Holliday
I'm turning 65 soon, when can I enroll in Medicare?
Answer: Medicare offers US-Citizens a window of enrollment that is 7months long. However, you may opt to continue to utilize your Employer Group Health Plan. If so you extend your initial enrollment period until you decide to leave the Employer Group Health Plan.
Why is the new $2,000 out-of-pocket maximum for drug costs important?
Answer: in 2017, my mother was diagnosed with Lymphoma. Her prescribed treatment cost $2100 per mo. This is why the $2000 annual limit is HUGELY important or would you prefer uncapped cost for "prescribed" medications?
Thank you President Biden.
You may not like the President while they serve. However, I can tell you, if they create good policy, it's all we can ask for.
Thermon Rick Holliday
"Medicare Plan Expert"
I'm living solely on Social Security of $1,400 monthly and can't afford my Medicare premiums and copays. What assistance programs might help someone in my situation?
Answer: Although, the actual amount may vary by state, I would contact your local Medicaid office for assistance. Then I would follow up with your Medicare Plan to see what different plans may be available for members at your income level. Don't forget to contact your agent or broker. You shouldn't have to go it alone.
Thermon "Rick" Holliday
What do you like most about being a Medicare agent?
Answer: I 'love' helping people. When I know I've been able to help someone improve their life through, education or advice on Medicare, I feel like I have truly accomplished someone, that day. There is no greater satisfaction than knowing a client or future client has the ability to access proper healthcare, and by doing so allows them to live a full, fruitful life. With all we, as Americans must do to make it in today's world. Having removed one weight from around a persons neck seems like a small task.
Thermon "Rick" Holliday
Why are seniors losing Medicare Advantage plans?
Answer: In simple terms,
Medicare Advantage plans are created by private insurance companies and are approved by "Medicare" (CMS). This allows them to change (with approval) which areas they cover, what benefits they offer, and even whether a plan exists at all. For 2025, because of pressures from the federal government, Medicare (CMS) regulation changes, and companies just tightening their belts, more plans than usual are leaving certain areas. This means some of you will have to choose new coverage or switch to different types of Medicare. The final and probably most telling reason: more people than ever are turning 65 years old and are qualified for Medicare (12,000 per dy in California)
If you find out that you've lost or are losing your Medicare Advantage Plan;
#1. You’re not alone,
#2. You have the right and the time to find a new plan that fits your needs.
Contact me ASAP for help if you need it, and I’ll walk you through every step.