Tyler Haskell, Medicare Insurance Broker
Tyler Haskell
Professional Insurance Solutions
Medicare Broker Licensed in UT
13+ Years of Experience
Contact Details
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Location
Payson, UT
Tyler Can Help With:
About Me
Certified Financial Planner™ Tyler Haskell has been helping clients with their medicare needs for over a decade. He has a vast knowledge of all the medicare options in Utah. He makes it a priority that his clients understand all their options and helps them decide what options are the best for their unique circumstances. Tyler's main office is in Payson, UT, but can help anybody in the state.
Q&A with Tyler Haskell
Does IRMAA go away automatically if my income drops, or do I need to report it to Social Security?
Answer: IRMAA is automatically re-calculated every year and is always based off your income 2 years prior. For example, in this year 2025, if you have an IRMAA surcharge it is because your income was over the limits in 2023. If you have IRMAA this year because your income in 2023 was too high but your income in 2024 was under the limit, IRMAA should automatically be taken off for year 2026. If you have a life qualifying event like retirement and you know your income will not be over the limits for the current year, you can appeal the surcharge by filing form SSA-44. Just google SSA-44 and it will pull up.
What should I look for in a Medicare plan if I travel frequently both domestically and internationally?
Answer: If you travel a lot, staying on Original medicare and getting a medicare supplement will give you the most flexibility as original medicare is accepted almost everywhere nationwide. This option will limit you on the international side to about $50k for emergencies only, so you would probably want to pick up some international supplemental coverage as well.
I signed up for a Medicare Advantage HMO, and I'm wondering if I can see a cardiologist out of network without paying everything myself.
Answer: Unfortunately, that is one of the down sides of an HMO plan. You must see providers that are in-network. You would have to pay the whole thing out of pocket. You could explain to the cardiologist's office your situation, and they might be able to give you a cash price discount. It's worth asking if you really want to see that specific one.
Do I have to answer health questions when switching from one Supplemental/Medigap plan to another?
Answer: Most of the time, yes. There are some states that have whats called the "birthday rule" and allow you to change supplements on a guaranteed basis. Just google your state and medicare birthday rule and see if your state is one of them. If not, more than likely you will have to pass the company's underwriting guidelines to switch plans.