William Gray, Medicare Insurance Broker
William Gray
The Medicare Dude Independent Broker
Medicare Broker Licensed in FL, GA, KS, MI, OH and VA
27+ Years of Experience
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Location
Hastings, FL
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William Can Help With:
About Me
I live right here in the community I serve. With over 28 years experience I am able to walk you through the steps from enrolling in Medicare, Social Security and applying for any extra help programs you qualify for.
Once on the right path with Medicare I can help you evaluate based on your needs whether you need a Medicare Supplement or Medicare Advantage program.
As a broker I work with hundreds of different policies to help you find the one that meets your needs. As all other brokers I am not paid until you pick a program and then not by you. In fact it doesn't cost you any extra for my services.
William
My Google Reviews
14 Total Reviews (5.0)
April 18, 2025
Using Medicare Dude to sign me up was very easy. Couple calls and done. I would recommend using.
March 20, 2025
William was very helpful and knowledgeable. Medicare can be very confusing and expensive. He was very thorough about the different options available and helped me decide the best coverage for me.
February 27, 2025
December 26, 2024
William answered all my questions about supplemental plans for Medicare . He was extremely knowledgeable and direct . His professionalism was only matched by his follow through. When it’s your time to deal with Medicare - call Bill .
December 12, 2024
I required an insurance broker with comprehensive knowledge in the field, and William Gray exceeded my expectations. He visited my home and provided a thorough explanation of various Medicare products. As a result, he helped me select the best supplement and achieve a significant reduction of over $150 per month in premiums.
November 29, 2024
William is always professional and understanding. He is always willing to help and takes his time explaining the benefits that serve us best.
Q&A with William Gray
What do you enjoy most about working with Medicare clients?
Answer: I enjoy helping provide solutions that they may not have known were available. I have made many life long friends who started as clients.
Since, all I do is Medicare I am able to do a deep dive into their situation and help them get the most out of their benefits.
I got a call from a "Medicare agent" promising me free groceries and I almost fell for it. Why is this kind of marketing allowed?
Answer: You should not be receiving unsolicited calls from an insurance agent it is not allowed regarding Medicare Advantage plans.
The benefit that is being discussed is available under certain plans but should not in my opinion be the main reason to choose a plan.
I think the primary concern is that there are people who willfully violate marketing rules and this is one of them if not solicited by you.
Are there any tax benefits tied to paying Medicare premiums as a retiree?
Answer: , Medicare premiums are tax deductible as a medical expense as long as you meet two requirements.
First, you must itemize your deductions on your tax return to deduct them from your taxable income.
Second, only medical expenses that exceed 7.5% of your adjusted gross income (AGI) are deductible.
As a senior, what should I know about the differences between Original Medicare and Medicare Advantage before I choose?
Answer: Original Medicare is a point of service plan you do not have to choose a network provider and can go to any doctor who accepts Medicare.
With a supplement to Medicare you can reduce your liability to a few hundred dollars per year.
These plans will have a premium.
Medicare part C "Advantage" plans are Medicare replacement plans.
You will likely need to use network doctors to receive the best rates or to be covered at all.
There are more significant copays and out of pocket limits. But many plans have zero additional premium.
How can I save money on my Medicare Supplement?
Answer: Medicare supplements have multiple options. But one of the easiest way to reduce cost of coverage is to consier one of the plans with a deductible.
Medicar plan G is considered the cadillac policy it covers 100% after the $257 par B deductible but it also has the highest price tag.
The Medicare plan G has an option to add a deductible of $2,885 this works more like an out of pocket maximum.
Think about it like this, you have a $257 part B deductible then Medicare pays 80% of your bills until you reach an out of pocket of $2885 then it's 100% coverage.
www.themedicaredude.com
I've been on my employer's health plan but am retiring soon. What should I consider when moving to Medicare?
Answer: If you are over the age of 65 in order to avoid the penalties imposed you will need to submit the CMS-L564 form
If you have income from 24 months ago that will put you in a high income earner you will need to fill out the form SSA-44 for an IRRMA reduction.
You can find these forms on my website under the forms tab.
https://www.themedicaredude.com/forms.html
william
Can you explain Special Needs Plans in Medicare?
Answer: There are people who have special circumstances that CMS has determined qualify for extra help and benefits.
There are several different categories.
Dual Special Needs - Medicare / Medicaid eligible.
Chronic Special Needs - Those with listed health conditions
SNP - facility plasn - Those who are confined to a facility.
each case is different it is best to talk with a professional
How does Medigap Plan K compare to Plan G for someone on a tight budget?
Answer: Plan K will likely cost less than a plan G in upfront premiums.
However, in plan benefits it is substantially higher out of pocket expense on a major health condition.
It would consider a Plan N or a Plan HDG to get the most bang for your buck.
What is the biggest disadvantage of the Medicare Advantage plans?
Answer: Medicare Advantage plans have netwrork restrictions and can cost more out of pocket for deductibles and copays. Your doctor who is in network now may not be next year and the plans change annually.
If you are on a Medicare Advantage plan and exceed your first 12 months and have health problems you may never be able to apply for a Medicare Supplement in the future.
I'm planning to delay Social Security until age 70, but I'm turning 65 soon. How does this affect my Medicare enrollment?
Answer: You can still enroll at 65. You will need to do this from the SSA website or by visitin your SSA office.
If you don't enroll at 65 and don't have coverage through a group plan you will be penalized 1% per month for each month you don't have coverage.
You will be billed by Medicare for your part B premium 3 months at a time.
Do I need a Hospital Indemnity Plan if I have Medicare Advantage? What if I am hospitalized twice in the same year?
Answer: It's not necessary but you could face pretty high out of pocket costs.
Advantage plans have deductibles and copays. The indemnity plan pays you a set amount by plan
Does Medicare cover emergency care if I'm traveling in a U.S. territory like Puerto Rico?
Answer: Puerto Rico is a US territory so there would be coverage. If you are travelling outside the country to a non terrritory then no.
Some Medigap plans (C, D, F, G, M, and N) offer foreign travel emergency coverage, but these plans often have limitations, such as a $250 deductible, a 80% coverage rate, and a lifetime maximum benefit of $50,000.
Is it true that Medicare pays for dental implants?
Answer: Medicare does NOT cover dental implants. There are some Med on care Advantage programs that might but there are limits.
There are stand alone Dental plans that do cover implants.