William Lux, Medicare Insurance Broker
William Lux
Lightkeepers Benefits, LLC
Medicare Broker Licensed in NM, AL, AR, AZ, GA, LA, MI, OH, OK, SC, TN, TX, VA and WV
Contact Details
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Location
Bosque Farms, NM
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Phone
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Website
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Schedule An Appointment
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Pre-Appointment Form
About Me
Hello! I'm William, 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!
Q&A with William Lux
What is the Medicare Advantage 3 midnight rule?
Answer: In short, the 3 midnight rule is the rule that determines whether Part A will have the cover a skilled nursing facility stay. The beneficiary must have been admitted to the hospital and be there three consecutive days, in other words,”3 midnight to midnight days.”
I applied for a Medigap plan and got denied because of my health history-how is that even legal when I've paid into Medicare for years?
Answer: Medicare is the government healthcare system that is paid for, in part, through payroll taxes, and there is no underwriting (health questions)to become eligible. In other words, you can’t be declined coverage due to pre-existing conditions.
However, outside of a guaranteed issue period, like when you first become eligible and enroll in Medicare, medigap plans offered by insurance companies require underwriting health questions to determine eligibility, and the applicant can be denied coverage due to certain health conditions.
My neighbor says I'm crazy for paying for a Medigap plan when Medicare Advantage is "free." What should I tell him?
Answer: While it is true that many Medicare Advantage plans have a $0 dollar monthly premium, the term “free” can be misleading. Advantage plans have co-pays for covered services, so I think of them as being a kind of “pay as you go” system while Medigap plans pay the coinsurance amounts not covered by Medicare in exchange for a monthly premium.
What do you like most about being a Medicare agent?
Answer: I truly enjoy helping seniors understand their choices and getting the plan that fits their needs. Being able to make a living while doing so is gratifying.
What are the reasons why I should work with a Medicare agent?
Answer: Medicare agents help beneficiaries navigate the confusing abundance of information about parts, plans, and choices to be made in receiving their benefits. This is at no charge to the beneficiary.