Timothy Brown, Medicare Insurance Broker
Timothy Brown
MediConnect
Medicare Broker Licensed in CT, DE, FL, GA, IN, KY, LA, MD, ME, MI, NC, NJ, OH, PA, SC, VA, WI and WV
14+ Years of Experience
Contact Details
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Location
Harrisburg, PA
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Phone
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Website
Timothy Can Help With:
About Me
Hello, I'm Timothy, your neighborhood Medicare insurance advisor. My expertise lies in the realm of Medicare, and my mission is to assist you in identifying the perfect plan tailored to your unique requirements and financial capacity. Allow me to navigate the array of plans available from both nationally and locally esteemed companies on your behalf. And don't worry, my services are provided free of charge! Contact me to discover your Medicare insurance alternatives and don't forget to mention that you discovered me on Medicare Agents Hub!
Q&A with Timothy Brown
I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?
Answer: Ensure that you have been issued a Medicare ID number prior to enrollment. If you are collecting Social Security payments, the card should have been mailed at least 3 months prior to you 65th birthday. If not, you'll need to sign up for Medicare via ssa.gov.
How do you educate clients who are completely new to Medicare?
Answer: Our company hosts both in person and online Medicare educational seminars on a weekly basis. The in person seminars are hosted at medical facilities and various hotels throughout the state of PA.
Are Medicare plans and requirements different for every state?
Answer: It's possible but it depends on the rules and regulations pertaining to each state. Some of the requirements are consist via CMS (Centers for Medicare and Medicaid Services) rules while other state specific.
What do you enjoy most about working with Medicare clients?
Answer: I enjoy helping Medicare recipients by providing important and necessary information they will need make the best healthcare decisions.
Can I switch from a Medicare Advantage plan to a Supplemental/Medigap plan during the Annual Enrollment Period without answering health questions?
Answer: It depends on the situation. Here are a few scenarios:
1) If the current Medicare Advantage plan exits the market and will not be renewing for the new year, it will create a Guarantee Issue enrollment for a Medicare Supplement for the next year.
2) If you move out of the service area of your existing Medicare Advantage plan i.e. from one state to another, this will also create a Guarantee Issue enrollment into a Medicare Supplement. This scenario is not solely based upon the Annual Enrollment Period but rather the time of the move.
If I move to a rural area, how might that limit my Medicare Advantage plan options?
Answer: There are rural areas that may have a limited number of Medicare Advantage plans or in some cases, not at all. The Insurance carriers determinations are based on the population and the feasibility as to whether or not it makes sense to offer plans.
Can I use a health savings account (HSA) to pay Medicare premiums after I retire?
Answer: HSA funds can be used for qualified medical expenses, which include Medicare premiums for Part A (hospital coverage), Part B (medical coverage), Part C (Medicare Advantage), and Part D (prescription drug coverage).
Why are people unhappy with Medicare Advantage plans?
Answer: Listed are a few reasons that people may be unhappy with Medicare Advantage plans:
1) Reduction in benefits in comparison to previous years
2) Providers no longer accepting plans or now out of network
3) Delays in prior authorization for medically requested procedures
4) Denial of claims for specific procedures
5) Plans exiting the market
If a senior is turning 65 but still working, should they enroll in Medicare or delay it?
Answer: You can apply for Part A which is premium free if you or your spouse worked and paid taxes for at least 10 years. The Part B can be delayed without a penalty if you decide to keep your employer insurance but you also have an option to compare group coverage vs Medicare coverage in terms of premium and benefits.