William Stephens, Medicare Insurance Broker
William Stephens
Mutual of Omaha
Medicare Broker Licensed in VA, DC, GA, KY, MD, NC, SC, TN, VT and WV
Contact Details
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Location
Glen Allen, VA
William Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Lee Stephens is a Financial Representative serving the Richmond and Glen Allen, VA area, specializing in Medicare education and personalized health coverage planning.
With a strong commitment to an education-first approach, Lee works closely with individuals and families to simplify Medicare and help them understand their options—including Medicare Supplement, Medicare Advantage, and prescription drug plans.
In addition to Medicare, Lee provides guidance on life insurance and financial strategies designed to protect families and support long-term goals.
Active in the local community through educational seminars and outreach, Lee is passionate about helping others make informed, confident decisions—without pressure.
Q&A with William Stephens
I've had a change in my health condition. How does this affect my current Medicare plan, and should I reconsider my coverage?
Answer: There are multiple pieces of info needed to determine this. This depends on what health issues you have, what plan you have currently and if you would qualify for the Birthday rule or not.
When my husband dies, do I get his Social Security and mine?
Answer: The depends on how he setup his Social Security. He could have done it to where he go the most until he dies or he could have set it up to get less but give it to you when he passes away. That is all in how it was done.
Do I need to carry my Medicare card if I have a Medicare Advantage plan?
Answer: Short answer is yes. I would always care both of your cards with you to give to the doctors office.
Can I use my Medicare when I travel to another state?
Answer: That depend on if you have Medicare Advantage or is you have Medicare Supplement(Medigap). Medicare Advantage is a in-network plan where Medigap can be used any where and if you have a specific plan can be used internationally up to a life-time limit
Do Medicare Advantage plans include dental coverage?
Answer: Yes Medicare many Medicare Advantage plans include dental. But, this depends on the specific plan you have. Also, the level of coverage will depend on what plan you have
Can my Medicare Advantage plan drop me, and what happens if it does?
Answer: Yes Medicare advantage can drop you or the company can go out of business. Normally this will result in a grace period where you can get guaranteed issue for Medicare supplement
How do I find out if Medicare covers a specific procedure before I have it done?
Answer: You would need to make sure the procedure is medically necessary. You can also search on the Medicare website to see if it is covered.
What is a $0 premium Medicare Advantage plan, and what's the catch?
Answer: The Medicare Advantage plan is an option for people that can not afford a supplement. The advantage is you pay little to nothing for advantage. The disadvantage is it is a network plan meaning you can only get the benefits if you stay in the network
What are the reasons why I should work with a Medicare agent?
Answer: You should work with an agent that is going to do what is best for you. There are many agents out there and the benefit is you have someone to educate you on the different parts of Medicare and also some that can help you with future planning as well.
Are Medicare agents paid by specific insurance to sign up clients to their plans only
Answer: Medicare agents do get paid for signing clients up. The commission is based on their contracts and the amount of the premiums the clients pays. An agent should always do what is best for the client not what is best for their commission.