Wayne Victor, Medicare Insurance Agent
Wayne Victor
Medicare Mentors LLC
Medicare Agent Licensed in CO, AZ, FL, KS, MI, NC, NM, OH, PA, VA and WV
10+ Years of Experience
Contact Details
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Location
Colorado Springs, CO
About Me
Hi, my name is Wayne and I am your local Medicare insurance agent. Medicare is my specialty and I am dedicated to helping you find the best plan that fits your specific needs and budget. I will take on the task of searching through plans from nationally and locally recognized companies so that you don't have to. Best of all, my services come at no cost to you. Get in touch with me today to explore your Medicare insurance options. Be sure to mention that you found me on Medicare Agents Hub!
Q&A with Wayne Victor
Which is better: a Medicare Advantage Plan or a Medigap policy?
Answer: Medigap is better if you want predictable costs, no referrals, and the freedom to see almost any doctor nationwide. Medicare Advantage is better if you prefer lower monthly premiums and extra benefits but don’t mind networks and prior authorizations. Also, you must pay a monthly premium with a Medigap plan, which can be cost-prohibitive for some people. It’s best to call a local Medicare agent who can do a needs analysis with you and help find the best health plan for your situation.
I'm getting conflicting information about whether Medicare covers my specific medication. How can I get a definitive answer?
Answer: The only definitive way is to check your specific plan’s formulary or call the member services number on the back of your Medicare or Part D/MA-PD card. Every plan is different, and that’s the source of truth.
Are home modifications (like stairlifts) ever covered by Medicare for safety reasons?
Answer: Medicare usually does not cover home modifications like stairlifts, ramps, or widened doorways, even for safety reasons. However, some Medicare Advantage plans may offer limited home safety benefits as part of their supplemental coverage.
Can you describe a time when you helped a client navigate a complex Medicare issue?
Answer: A couple who had just moved to Colorado called me confused because their Medicare Advantage plans no longer covered their doctors or prescriptions. I explained their Special Enrollment options, compared local plans, and helped them switch to one that included their providers and saved them over one hundred dollars a month. They later told me it was the first time Medicare actually made sense to them.
What are the 6 things Medicare doesn't cover?
Answer: Long-term care (like custodial care in a nursing home).
Most dental care, including dentures.
Routine vision care and eyeglasses.
Hearing aids and exams for fitting them.
Cosmetic surgery (unless medically necessary).
Care outside the U.S., except in very limited situations.
However, a Medicare Advisor can show you have to get some of these benefits.
Why do doctors not like Medicare Advantage plans?
Answer: Many doctors dislike Medicare Advantage plans because they often involve restrictive networks and more administrative hurdles, like prior authorizations. They also tend to pay providers less than traditional Medicare, which can affect scheduling and reimbursement.
What are the reasons why I should work with a Medicare agent?
Answer: A Medicare agent helps you understand all your plan options, ensuring you choose coverage that fits your health and budget needs. They also handle enrollment details and ongoing support, so you avoid costly mistakes and get the most out of your benefits.