Traci Harward, Medicare Insurance Broker
Traci Harward
Complete Senior Health Advisors
Medicare Broker Licensed in WY, AZ, CA, FL, ID, IN, MN, NC, TX and UT
6+ Years of Experience
Contact Details
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Serving
Evanston, WY
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Phone
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LinkedIn
About Me
Hello! I'm Traci, your trusted Medicare agent in the area. 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!
Directions to My Office
Q&A with Traci Harward
Answer: No, Medicare eligibility is not affected by marriage. Each recipient's Medicare is independent and not tied to another individual.
Answer: The Medicare Supplement Plan N has copays, whereas the Medicare Supplement Plan G pays the amount that Medicare does not pay after you pay the annual Part B deductible.
Answer: What I love most is my interaction with my clients! I feel blessed to be able to provide a much-needed service to them and then also form friendships and lifelong relationships!
Answer: Yes, as long as the facility is in network with the insurance company. All Medicare Advantage plans have in-network facilities and providers.
Answer: No, a Medicare agent does not cost extra. Our job is to make sure that you are put on the best plan for your needs. The agent is paid a commission from whatever carrier you choose.
Answer: Depending on which plan they are enrolled in. Most Medicare Advantage plans have some version of SilverSneakers, just under a different name.
Answer: A lot of people can’t afford the additional expense of a Medicare Supplement plan. Plus, you are required to get an additional prescription drug plan and supplemental dental and vision. A Medicare Advantage plan sometimes seems simpler for a lot of people. It is important to work with an insurance advisor that can look at all the different options and decide the best option for you.
Answer: There is no need to fill out the form until it’s time for you to sign up for Part B. At that time, your husband's work will fill out the form showing you had creditable coverage from the time you turned 65 and were eligible for Part B until you switch over to Medicare. This form ensures that you don’t pay a late enrollment penalty for Part B.
Answer: Your carrier has a site where you can look up network providers for your specific plan. One of the advantages of working with an independent agent is that they can assist you in finding those providers.
Answer: So if your daughter is your power of attorney, she can work with a Medicare agent. Otherwise, you need to be with her and sign all documents for your Medicare decisions.
Answer: I would recommend applying for Medicare within 3 months of potential retirement. By doing this, you can ensure that your Medicare will be processed and approved in time for your retirement and avoid any lapse in medical coverage.
Answer: The main reason to work with a Medicare agent is that we can ensure that all benefits and networks are confirmed. We can verify that all doctors are in network and all prescriptions are covered. Medicare can be a complicated and confusing equation to solve, and using an agent ensures that you are getting the correct answers and make it much simpler and easier for you.