Thomas Brady, Medicare Insurance Broker
Thomas Brady
Medicare Broker Licensed in PA
Contact Details
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Location
Philadelphia, PA
About Me
Hello! I'm Thomas, your trusted Medicare agent in the area. My specialty is Medicare, and I'm passionate about helping you select the ideal plan that caters to your individual needs and budget. I'll efficiently sort through plans from reputable national and local companies, saving you time and effort. Best of all, my services are provided at no cost to you. Contact me to discuss your Medicare choices and don't forget to mention that you found me on Medicare Agents Hub!
Q&A with Thomas Brady
I’m on Humana Medicare. Customer service pre-approved a nuclear stress test, but I just got a $780 bill. They escalated it over a week ago and never called back. Do I have to pay? How do I file a complaint?
Answer: No . I worked for Humana for 4 and half years and I had enough of seeing situations like that constantly. Ridiculously long hold times on customer service when you have questions, I’ve seen and done presentations that were at facilities that were supposed to be in network, but were not in network. They have been doing this for years I would try to find better carriers , with better personalized customer service . Glad you asked that question.
How do Medicare advisors get paid?
Answer: Medicare Advisors generally get paid by commission. It’s generally a straight fixed commission based on where you are in the hierarchy of your company. This is generally true of independent agents who work strictly by commission and renewals . Captive agents on another hand make less of an upfront commission, and renewals, but generally have a base salary , a lead generation, an hourly pay in a call center, and benefits, which is a driving force for them to be in the world and life of a captive agent . Less risk , less reward, probably easier leads to work but commissions are drastically cut and you generally do get health benefits which a huge concern for many people.
Why does Medicare allow insurance companies to bombard seniors with confusing mail and TV ads?
Answer: That’s a great question that even I can’t answer. I can answer more technical questions, such as definitions of terms, phrases and insurance products, but I don’t know why CMS allows the ridiculous, TV ads , relentless telemarketing and piles of junk mail to be delivered to seniors housing. I’m sure it’s very annoying because they did it to me and I’m not on Medicare yet , and it’s only getting worse . I believe the carriers (insurance companies) have so much invested in lobbyists , and politics that they allow them to get away with it . It’s unnecessary harassment that should be policed more , there are marketing rules and regulations, but this unwanted over the top advertising is unnecessary and annoying. There are also too many agents who have flooded the market who don’t have the age , experience, knowledge, or ethics to do the job correctly, they just run from one client to the next trying to bag a sale , not so concerned with the medical condition of the patient, their doctors, prescriptions , network and and out of pocket costs . Thera should be other qualifications for these Medicare agents to able to sell such a serious , necessary product, that should be taken seriously, not like a carnival auction. I really think the companies line the pockets of the regulators through lobbying, that’s why they get away with it, I can’t think of anything else . It may not be the answer you want to hear , but it’s what I think . Another bad side effect of that is that people will throw away important communications, and literature, such as member ID cards , packages, summary of benefits from the plan that they are on , because, they don’t know the difference. Good luck .
Can a Medicare Supplement insurer cancel my Medigap policy?
Answer: They can if they become insolvent and go out of business, otherwise no . If that were to happen you would be granted another guaranteed issue period to enroll into another Medicare Supplement without worrying about health underwriting questions.
I've got a Medicare Advantage plan, and I'm curious if my upcoming eye surgery is fully covered or if I'll owe extra out of pocket.
Answer: You will probably have an outpatient hospital co-pay or if it’s done in a doctor’s office or a free standing surgical center , there would probably be a co-pay as well . Generally if done in a free standing surgical facility the co-pay is a little lower than if done at the hospital.
What's the best way for seniors to protect themselves from Medicare-related scams?
Answer: I wouldn’t answer the phone especially if a scam alert is on there . Do not divulge any of your personal information, including name , date of birth, address, let alone Medicare ID number, or social security number. Don’t enroll over the phone. These frauds may enroll you over the phone without you knowing it , they may tell you your doctor in network, which I have seen happen, which was a lie . Call your doctors and ask if they accept the plan you are interested in . Try to deal with an agent or broker you know and trust. Those are my recommendations. Good luck.