Todd Benortham, Medicare Insurance Broker
Todd Benortham
Surety Health & Life Insurance
Medicare Broker Licensed in FL
Contact Details
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Location
Wesley Chapel, FL
About Me
I’m Todd Benortham with Surety Health & Life Insurance, proudly serving Florida residents with trusted Medicare guidance. I help individuals and families understand their options and select the coverage that fits their healthcare needs and budget. My approach is simple: clear information, honest advice, and support every step of the way, so you can feel confident in your Medicare decisions.
Q&A with Todd Benortham
I need help at home after my surgery. Will Medicare cover a home health aide or am I on my own?
Answer: Medicare will cover a home health aide, but only under specific conditions. Your doctor must order skilled care (such as nursing or physical therapy), you must be considered homebound, and a Medicare-approved home health agency must provide the services. The aide assistance, like help with bathing or dressing, is only covered as part of that skilled care plan, and it must be part-time or intermittent, not ongoing full-time care. If you only need help with daily activities and don't require skilled services, Medicare won't cover it.
My doctor wants me to get several preventive screenings. Will Medicare cover all of these at once?
Answer: Yes, you can usually get several preventive screenings done around the same time, but Medicare doesn’t treat them as one “bundle” that’s automatically covered together.
Each test has its own coverage rules (how often it’s allowed, your eligibility, and whether it’s considered preventive or diagnostic). If everything meets Medicare’s guidelines and your doctor bills it correctly, most preventive screenings are typically covered at little or no cost.
Where people get surprised is when something is done too early, doesn’t meet criteria, or gets coded as diagnostic.
Best move is to have the doctor’s office run each screening through Medicare beforehand so you know exactly what’s fully covered and what might have a cost.
What are the reasons why I should work with a Medicare agent?
Answer: Medicare can be confusing. A good agent explains it in plain English and helps match plans to your health needs and budget.
We can show you several plans side by side so it’s easy to compare costs, networks, and drug coverage.
Agents makes sure you enroll correctly and on time, which can prevent costly mistakes or gaps in coverage.
Each year during Open Enrollment, we check in to see if your current plan still works for you or if there’s a better option.
Our help doesn’t cost you anything - we are paid by the insurance companies, not you.
What are the signs that it's time for me to switch my Medicare plan, and how often should I review my options?
Answer: You should review your Medicare coverage at least once a year during the Medicare Open Enrollment Period (October 15–December 7), since this is the main time you can change Medicare Advantage or Part D plans, with changes starting January 1. Medicare Supplement (Medigap) plans are usually more stable and guaranteed renewable as long as you pay your premiums, but it is still smart to look them over yearly to be sure the coverage and cost still fit your needs
Clear signs it may be time to switch include:
-Your doctor, specialist, or preferred hospital is no longer in-network.
-Your medications are no longer covered, have moved to a higher tier, or have become much more expensive.
-Your premiums, deductibles, copays, or out-of-pocket maximums have increased a lot, or you see another plan with similar coverage but lower total costs.
-Your health needs have changed (new diagnosis, more frequent care, new medications, or you want different extra benefits like dental, vision, or hearing).