Tom Rogala, Medicare Insurance Agent
Tom Rogala
Agent/Broker - 35 years
Medicare Agent Licensed in MI, AR, AZ, FL, IN, MD, ME, NC, OH, SC, TN, TX and WI
Contact Details
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Serving
Grosse Ile, MI
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Phone
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Website
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Tom Can Help With:
About Me
As an experienced independent health and Medicare Agent with over three decades of experience, I am dedicated to helping you navigate the Medicare system and choose the right plan for your needs. With my assistance, you can pick a plan with confidence and rest assured that I will provide ongoing review and support, at no cost to you. The plans themselves will compensate me, so you can relax and focus on your health and well-being.
My Google Reviews
39 Total Reviews (4.7)
February 14, 2025
After being out of contact for several years, Tom was still able to pull up my coverage and help me find something better to meet my current needs. Few agents could have done that. Most agents view dealing in insurance as a job but Tom views it as a profession. If you understand the difference, you'll want Tom on your side. If you don't know the difference, any agent will do9.
February 14, 2025
Tom has helped me out with my health care for over 10 years! He is amazing! Always there with a great helping hand! Thank you!
February 11, 2025
Keeps me up to date with the best coverage every year
February 4, 2025
Tom is conscientious, thorough and is an expert in his field. Thankful I can count on him to help me.
February 1, 2025
Tom has been fantastic in answering all my Medicare and Health related questions. I have recommended several friends that have also been very happy with Tom’s services. Contact Tom for any questions….
January 31, 2025
I contacted Tom to help in choosing a supplemental health insurance plan, and he explained everything in a straightforward manner that I could understand. I’ve referred him to several people because I was so impressed with his expertise and knowledge.
January 31, 2025
Tom is very helpful, he's the best.
January 30, 2025
I’m be been using Tom for 25 years and nothing but exceptional! Tom is great and always on top of his game! Very knowledgeable and helpfully. Appreciate all his help throughout the years.
Q&A with Tom Rogala
I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?
Answer: To get started, fill out my pre-meeting Medicare survey.
Next, book a meeting on my website for help applying for medicare 80%,
picking a plan 20%, and reviewing your plan every annual enrollment period.
What’s the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: With HMO plans you have a primary care physician and need referrals to specialist in network. PPO plans let you see doctors and hospitals in network or out without a primary care or referral
How do I compare Part D plans to minimize costs for a mix of generic and specialty drugs?
Answer: Complete my survey including drug list and dosge. I can shop all drug plans by total cost
(premium, deductible and copays)
Every year I stress over picking a plan and still end up surprised by the bills. Is there any way to just get peace of mind with Medicare?
Answer: Change from medicare advantage to Medigap. You will pay a monthly premium but never get a bill. You can keep the plan forever and have peace of mind knowing your exact cost upfront
What’s the cheapest way to get Medicare coverage if I only need basic hospital care?
Answer: Medicare Addvantage Prescription Drug PPO plans are typically $0 premium monthly. When you use it you pay a small copay. The only big copay is cancer and you can get a cancer rider for about $11 per month
I just enrolled in Medicare, and I've got my Part A and B, but I'm hearing there are gaps in coverage. What are these gaps exactly?
Answer: Part A & B cover 80% of dr and hospital only. Most, pick a medigap or advantage plan to cover the other 20% and prescription drugs
What's one piece of advice you wish every senior knew before picking a Medicare plan?
Answer: You only have one shot a guaranteed issue into medigap. If you want to move from advantage to gap down the road you have to answer health questions
Does Medicare fully cover nursing home care, and are there alternatives?
Answer: No. You need a long term care policy. The younger and healthier you are the cheaper it will be. Some go with advantage over medigap and use the saving to fund LTC.
What is Guaranteed Issue for Medicare Supplement plans, and when does it apply?
Answer: You do not have to answer health questions during your initial enrollment (turning age 65 or loss of group coverage over age 65) If you ever want to switch from addvantage to a supplement you have to be healthy
I went with Medigap because I travel a lot, but now I’m paying a fortune in premiums. Did I make a mistake?
Answer: You can can change to a Medicare advantage plan during Annual Enrollment. The premium is $0 but you will have copays and a book or doctors.