Tory Blain, Medicare Insurance Broker
Tory Blain
Frontline Mutual
Medicare Broker Licensed in UT, CO, ID, NV and WA
4+ Years of Experience
Contact Details
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Location
St. George, UT
About Me
I specialize in helping individuals find the best solutions tailored to their needs in Medicare and retirement planning. Partnering with top-rated companies in your area, I offer customized guidance to ensure you get the coverage and peace of mind you deserve. My goal is to make Medicare simple and stress-free for you.
Let’s spend a few minutes together, and if you feel comfortable, I’ll work to create a Medicare plan that’s simple and stress-free, giving you confidence and peace of mind.
Directions to My Office
Q&A with Tory Blain
If you had to pick just one, what's the worst Medicare-related decision someone can make?
Answer: The worst Medicare-related decision someone can make is not enrolling on time when they are first eligible and do not have other creditable coverage. Missing the right enrollment window can lead to late enrollment penalties, delayed coverage, and expensive gaps in care that could have been avoided.
It is important to understand when you need Medicare Part A, Part B, and Part D, especially if you are still working, have employer coverage, are on COBRA, or have retiree coverage. Before delaying Medicare, make sure your current coverage allows you to postpone enrollment without penalties or problems later.
What should I do with my Medicare plan if I'm diagnosed with a rare disease requiring specialists?
Answer: If you are diagnosed with a rare disease that requires specialists, you should review your Medicare plan carefully to make sure your doctors, specialists, hospitals, medications, and treatment centers are covered. Some Medicare Advantage plans have provider networks, referral rules, and prior authorization requirements, so it is important to confirm that the specialists and facilities you need are in-network before making any plan decisions.
Before changing plans, it is best to compare your options with your doctors, treatment needs, prescriptions, and budget in mind.
What do you like most about being a Medicare agent?
Answer: What I like most about being a Medicare agent is helping people feel less confused and more confident about their Medicare choices. Medicare can feel overwhelming, so I enjoy being able to explain things in a simple way and help people compare options based on their doctors, prescriptions, budget, and benefits that matter to them.
I also like building relationships with people in my community and being someone they can call when they have Medicare questions or need help reviewing their coverage.
My Medicare Advantage plan advertised dental coverage, but it barely covers anything. Is this normal?
Answer: Yes, this can happen. Medicare Advantage dental benefits often sound good in the summary, but the actual coverage may have limits, networks, waiting periods, copays, annual maximums, or restrictions on what procedures are covered.
Before choosing a plan, it is important to look beyond the advertised dental amount and review what services are actually covered, which dentists accept the plan, and how much you may still have to pay out of pocket.
Do you automatically get Medicare if you're on Social Security Disability?
Answer: Yes, in most cases, if you receive Social Security Disability Insurance, you are automatically enrolled in Medicare after receiving disability benefits for 24 months. Your Medicare card is usually mailed before your coverage starts, and you will typically get Medicare Part A and Part B unless you choose to decline Part B.
There are some exceptions. If you have ALS, Medicare can start sooner, and if you have End-Stage Renal Disease, the rules are different, so it is important to review your specific situation.
Is there a Medicare office near me where I can get help in person?
Answer: Medicare does not usually have local “Medicare offices” the same way Social Security does, but you can get in-person help through your local Social Security office, your State Health Insurance Assistance Program, or a licensed Medicare agent. I help people locally review their Medicare options, compare plans, and understand how Medicare Advantage, Medicare Supplement, and Part D prescription drug coverage work.
If I already have part A and am already terminal on hospice care, do I need to get on part B and go through the MAPD/MedSup enrollment process?
Answer: If someone already has Medicare Part A and is receiving hospice care, hospice is generally covered under Medicare Part A, so they usually do not need to enroll in Part B, a Medicare Advantage plan, or a Medicare Supplement just for hospice coverage. However, Part B, MAPD, or Medigap may still matter for medical care that is unrelated to the terminal illness, so the person should review their situation with Medicare, the hospice provider, or a licensed agent before making a decision.
What are the reasons why I should work with a Medicare agent?
Answer: Working with a Medicare agent can make Medicare easier to understand by helping you compare Medicare Advantage, Medicare Supplement, and Part D prescription drug plans. A licensed agent can review your doctors, prescriptions, pharmacies, budget, and benefits you care about so you can better understand which options may fit your needs.