Lt Col Tim Brown, Medicare Insurance Broker
Lt Col Tim Brown
Insurance Services of KY & TN
Medicare Broker Licensed in TN, AL, CO, FL, GA, IN, KY, MO, NC, OH, TX, VA and WV
37+ Years of Experience
Contact Details
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Location
Gallatin, TN
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Phone
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Website
About Me
Hello! I'm Tim, your trusted Medicare agent and broker in the 13 states. 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 Lt Col Tim Brown
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: Not consulting an agent broker with time in grade. In other words, experience. The other thing would be to select an agent broker with multiple companies.
What is one of the the most common misconceptions people have about Medicare?
Answer: Not really knowing the difference between supplements and Medicare Advantage plans called Part C. And there is a lot of confusion about which Part D (drug card) to choose with a supplement plan.
I’ve been on a Part D plan for a while, and I’m wondering why my generic prescriptions suddenly cost more. Did something change?
Answer: I would need to know what medications you’re on. That way I can work on that answer by looking at the different formularies from different companies.
Could Medicare ever adopt a tiered premium system based on lifestyle factors?
Answer: That doesn’t appear to be in the horizon. No one in my circles have mentioned anything to the effect either.
What is the main benefit of Medicare Part D?
Answer: Co-pays (although not always) are better than the discount cards. The problem is that the government tells you if you don’t get Part D,when eligible, then you’ll be penalized should you want one later and the penalty is forever. That is just wrong. So that is the two reasons to have one. The drug card that is part of Part C Medicare AKA Medicare Advantage plans has no premium associated with that program.
What’s the deal with Medicare covering medical equipment like wheelchairs—do I need a special approval?
Answer: Your doctor starts that process. If you have a Medicare Supplement and already met your deductible then it pays for it. If your on a Medicare Advantage Plan, it pays 80% leaving you 20% to pay.
What should I do if I miss the Medicare Open Enrollment period, and I want to change my plan?
Answer: Medicare supplement plans can be applied for and changed anytime of year you wish. Part C AKA known as Medicare Advantage plans, if you’re on one, can be changed up until March 31st. After that the next time (Unless a person is just gaining Medicare Part B) is the Annual Enrollment Period that starts on Oct 10 to Dec 7.
Other enrollment periods called Special Election Periods (SEP’S) come into play or allows a person to change plans such as moving from one service area to another, or a plan pulls out, or a person is released from incarceration. There are a lot more more SEP”s than I just mentioned.
Need help? Give me a call Monday thru Saturday to about 6:30 in the evening at 615-506-9024.
Why are people unhappy with Medicare Advantage plans?
Answer: I don’t think they are. My wife and I are on one and we’re very satisfied with it, not to mention the well over a thousand people I’ve written plans for. I think people have preconceived notions and for them that’s reality. Typically you have no premiums for them. Some plans pay down the part B premium Medicare charges, and you have co-pays when you use the plan. Contact me if you’d like to discuss.
How do I know if a Medigap policy is right for me, and what's the best time to buy one?
Answer: By using someone who has experience in the business to explain the pro's and con's of the plan, how it works. Medigap is the name Medicare calls it. It is actually a Medicare Supplement Plan. The best time to buy one is when your in your enrollment period for Medicare. If you already have a supplement plan, you can change those plans anytime of the year you like as long as you can qualify.
How can I get dental and vision coverage with Medicare?
Answer: On Medicare Advantage plans also called Part C, it comes with those plans. If you get a supplement plan then you purchase it separately. I provide both types of products and offer those to my clients that choose supplements. I have 30 different companies. I am in 13 different states and have 36 years experience. Feel free to call me. 615-506-9024