Can you describe a time when you helped a client navigate a complex Medicare issue?

Question

Cathy Reeck · Accepted Answer

I recently met with a new client that thought he was covered for everything. Upon asking several questions, it was discovered that he had lost his medicaid, extra help, his medicare advantage plan, and his drug coverage! In other words all he had was orgianl medicare parts A and B. 

With lots of due diligence I was able to enroll him into a proper medicare advantage plan with drug coverage. We also did a new application for "Extra Help". I communicated with his son the urgency of obtaining specific documents so that we could reapply for his medicaid. 

It is expected that in the next 6-8 weeks we will have him receiving his extra help benefits and his medicaid!

Larry Dalton · Answer

I'm always available for a phone or Zoom meeting and can usually arrange to meet in person if they request it. Navigating the Medicare system takes time and should be done with someone with whom you can share confidential information about your health and finances. Again, a trustworthy agent is very important in making your Medicare decisions.

Answered by Larry Dalton on March 26, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent

Brian Moore · Answer

A few months back, I worked with a couple who’d been on Medicare supplement plans for years, paying high premiums with little extra benefit. They were hesitant to switch, so I walked them through their options, showing how a Medicare Advantage plan could cut costs and add perks like dental, vision, hearing, over-the-counter items, and transportation. By breaking down the numbers and network details, they confidently made the switch and saved hundreds monthly.

Answered by Brian Moore on March 26, 2025

Broker Licensed in OH

Answered by Brian Moore Medicare Insurance Agent

Melonie Wood · Answer

I had a sweet older lady who had lost her Medicaid-Medicare & was not aware that she no longer qualified for her current Dual Eligible plan. I spent several hours on the phone with her & Medicaid helping her naviagte the confusing world of getting her Medicaid reinstated.

Answered by Melonie Wood on March 30, 2025

Agent Licensed in FL & AL

Answered by Melonie Wood Medicare Insurance Agent

Clarence &quot;Mark&quot; Christiansen · Answer

It happens every day! Much of my work involves helping people leave their employer group plan and jumping onto Medicare. There are a couple of forms that need to be filled out, signed and submitted. I am pleased to facilitate in this process.

Answered by Clarence "Mark" Christiansen on March 26, 2025

Agent Licensed in WI, AZ, CA & 16 other states

Answered by Clarence "Mark" Christiansen Medicare Insurance Agent

Joseph Bachmeier · Answer

I assist clients every day with questions on their Part D drug questions and just recently how Jefferson Health is not accepting the Cigna Commercial Network.

Christopher Boyd · Answer

A recent retiree transitioned from Group health insurance to Medicare Supplement coverage. They have called me a few times with claim or coding problems from the hospital billing their prior coverage after they joined Medicare. After calls to Medicare and the hospital, we were able to correct the billing dispute.

Answered by Christopher Boyd on March 4, 2025

Agent Licensed in IN, KY, MI, OH, PA & TN

Answered by Christopher Boyd Medicare Insurance Agent

Charles Fletcher · Answer

I had a client who visited an E.R. after having something propelled into her eye. After treatment in the middle of the night the E.R. said to her, "Go see this Dr tomorrow to complete the work. We can't complete it for you here." So, taking the E.R. Doctors instructions she did go visit that Dr who happened to be "out of network". She got the care she needed and was surprised when she received a bill from that specialist Eye Dr's office because the insurance plan was refusing to pay. We worked closely together to file "exception" requests in order to have the plan pay for the specialist visit as part of the E.R. visit. It took a while, but eventually we had followed the necessary steps for this situation and she was able to re-coop the $350 or so that had been requested by the Dr's office and the insurance treated it as part of the E.R. visit.

Answered by Charles Fletcher on March 24, 2025

Agent Licensed in WA, AZ, ID, NV & TN

Answered by Charles Fletcher Medicare Insurance Agent

Christopher Palazzini · Answer

My client retired in the middle of the year, wasn't drawing social security and had no clue where to go and what to do. Was unaware of multiple Medicare forms to enroll and prevent penalties. I was able to help them navigate the forms, help them contact their HR and provide the forms and get them enrolled into A, B, D and a Medicare Supplement plan in a timely manor.

Answered by Christopher Palazzini on March 25, 2025

Broker Licensed in FL, CA, GA & 6 other states

Answered by Christopher Palazzini Medicare Insurance Agent

Robert Pennington · Answer

I have along time elderly client that called me today upset because I was the only one she felt she trust in what she was facing and didn’t want to lose me as her Agent and Advisor. She is having to move from NC to TX so her daughter can give her the care she needs. I told her to worry no more, because I can handle her Medicare coverage needs when she moves to TX and I will still be her Agent. She was one happy lady.

Answered by Robert Pennington on March 25, 2025

Broker Licensed in NC, GA, SC & VA

Answered by Robert Pennington Medicare Insurance Agent

Bill Green · Answer

One client came to us after receiving a large bill for a surgery they thought was fully covered. They had enrolled in a plan over the phone with a national call center and weren’t aware the surgeon was out-of-network. After reviewing their plan details, we discovered that while the hospital was in-network, the surgeon wasn’t—something the call center never explained. We helped the client file an appeal, connected them with the right billing department, and ultimately got a portion of the charges waived. Then, during the next enrollment period, we switched them to a plan that included all their preferred doctors and hospitals. They’ve been with us ever since and now call us anytime something feels off.

Answered by Bill Green on March 26, 2025

Broker Licensed in FL, AL, AZ & 19 other states

Answered by Bill Green Medicare Insurance Agent

Vincent Esposito · Answer

You need to  listen..  I like to have a conversation and see what is important to the prospect. Try to have a sense of humor..  laughter is good medicine

John Stagner · Answer

Yes. I met with a couple in their late seventies who had never had a Part D plan, and the husband was now getting prescriptions for several expensive drugs. They really couldn’t afford them. Enrolling them into a Part D plan would trigger a late penalty of 12% for every year since age 65. 

After doing the math on the late penalty, paying the late penalty plus the cost of the drug plan and the cost of the drugs turned out to be the best decision. They went from over $700 per month without coverage to around $150 per month, and they were very happy with that.

These stories are more common than you might think, and many times, we’ve been able to find a workaround for Rx issues. Having been through extensive training on solving these issues and having an entire team of pharmacists as a backup doesn’t hurt!

Charise Karjala · Answer

A present, my most pervasive challenge is navigating the dual eligible market. That means for people who are either aging in or have Medicare and Medicaid.

This market is always particularly challenging in my area because the networks are constantly shifting. Medicaid is going under massive changes and there’s a lot of uncertainty with the Provider networks. In addition, those networks are very busy and flooded with patients. So I’m consistently challenged to make sure that I have the most timeline and relevant information

Edward Smith, ChFC, CRPS, AIF · Answer

I was able to explain to a person who wanted to enroll into a Medicare Advantage plan, that since he had very expensive infusions every 3 months, he would max out his out-of-pocket expenses with the MAPD plan due to the infusions being given in the medical facility. They would have been covered under Part B (20% co-insurance). Instead, I enrolled him in a Medicare supplement that covers all part B except the small part B deductible each year. It has saved him approximately $5,000 every year.

Answered by Edward Smith, ChFC, CRPS, AIF on March 25, 2025

Broker Licensed in OH, GA, IN, KY & SC

Answered by Edward Smith, ChFC, CRPS, AIF Medicare Insurance Agent

Ruben Trejo · Answer

Had a client who was completely confused choosing between Medicare Advantage and Medigap (a Medicare Supplement Plan), worried about costs and whether their doctors would be covered. I broke it down for them, helped them understand their options, found the best fit for their needs, and made sure they didn’t get stuck with unexpected expenses.

Answered by Ruben Trejo on March 4, 2025

Broker Licensed in TX, AL, AR & 27 other states

Answered by Ruben Trejo Medicare Insurance Agent

Ben Washington · Answer

I had client paying out over 3,000 for premium for a Medicare Supplemental plan but was not sure about getting into a Medicare Advantage Plan. I explain to the client that even though he has had a Medicare supplemental plan for over ten years. He still has a one-year trial period to enroll in a Medicare Advantage plan and get back into Medicare Supplemental plan without having to answer any medical questions. (Called guarantee issued right)

Answered by Ben Washington on March 25, 2025

Broker Licensed in IL, FL, MN, SC, TX & WI

Answered by Ben Washington Medicare Insurance Agent

Deborah Lee · Answer

Many times, the one that stands out for me are clients who have no idea what is available and how to get extra benefits... DSNP

Edward Allen · Answer

In a 3 day appointments I helped a 57 year old client who is deemed disabled and Medicare eligible, untangle the mess made by Covered California before he could enroll in a Medicare Medi-Gap Plan and PDP

Answered by Edward Allen on March 4, 2025

Broker Licensed in CA & TN

Answered by Edward Allen Medicare Insurance Agent

Corey Romero · Answer

Sure! Here’s a recent one that sticks with me:

I had a someone call in who was transitioning from employer coverage to Medicare, but she was still working part-time and had COBRA offered to her. The HR department gave her some half-baked advice and basically told her to take COBRA and “figure out Medicare later.” Problem is, that can screw up your Medicare Part B enrollment and lead to a lifetime penalty or delayed coverage start.

When she reached out to me, she had no idea that COBRA doesn’t count as creditable coverage for delaying Medicare enrollment. If she followed their advice, she would’ve ended up paying more forever and had a gap in her health insurance.

I walked her through exactly how to enroll in Part B on time avoiding those penalties and helped her choose a supplement that kept her doctors and medications covered without all the network drama that she had faced on her group plan.

Her exact words after we finished: “Why didn’t anyone tell me this earlier?”
My answer? “Because they don’t get paid to.” 

The unfortunate truth is that HR employee likely didn’t have bad intentions but was simply going off of the limited knowledge that they had so it is a great example of why it’s so important to work with someone who really knows the intricacies of Medicare enrollment.

This is what we a great agent will do. We cut through the noise and get people the right coverage the first time. No guessing. No confusion. Just the truth.

Lauren Singer · Answer

Diabetes care can be complex. Between finding the supplies, or the paperwork or the costs, a few of my clients experienced some issues. I had to find a ads, or an advanced diabetes supplier who helped my clients set up for home delivery as soon as there medicare plans began.

Answered by Lauren Singer on March 25, 2025

Broker Licensed in SC

Answered by Lauren Singer Medicare Insurance Agent

Bob Thompson · Answer

The individual thought they had applied for Part B in a timely manner, when actually they had not. I guided them through the process of getting that corrected so they would not have a preiod of not being insured.

Answered by Bob Thompson on March 25, 2025

Agent Licensed in IA

Answered by Bob Thompson Medicare Insurance Agent

Robert Fracchia · Answer

I have helped clients navigate through the application process for their Medicare Beneficiary card.
Advocating for claim payments

Jim Neil · Answer

The complexities of Medicare cases typically revolve around the prescription drug coverage. I save people hundreds and sometimes thousands of dollars just by a thorough search through the plans to ensure proper coverage and saving money through copays. Many drug plans have copays of 25% but other drug plans have copays of $47 per refill. I take great pride in ensuring customers don't overpay for their insurance and for their prescriptions.

Answered by Jim Neil on March 26, 2025

Agent Licensed in MI, AL, AR & 31 other states

Answered by Jim Neil Medicare Insurance Agent

Greg Milliser · Answer

Often times when Medicare beneficiaries receive a bill they don't understand or are unsure why they are receiving it in the first place, I am able to walk them through it and know what to do next and where to get the answers to their question about the bill. Often times the thing that needs to be done is simply ask the provider to resubmit the claim and the issue is often found that there was a mistake made in the coding or some other detail like that and once it's been sent again to the carrier, the mistake is found and the bill is corrected and the client never hears from them again. Having many years of experience with Medicare helps me to navigate those complex issues quite easily.

Answered by Greg Milliser on March 25, 2025

Broker Licensed in MO, AR, IN, KS, OH & OK

Answered by Greg Milliser Medicare Insurance Agent

Charles Boone · Answer

I have had multiple seniors call me after falling victim to fraudulent activity pertaining to Medicare. In these situations we typically gather all the necessary information to begin unraveling what took place, how it occured, and what needs done to correct the issue moving forward.    

This most commonly occurs with telemarketing calls and TV advertisements that promote "extra benefits" for Medicare beneficiaries. Often times we have been able to limit the damage but unfortunately that is not always possible.

Jon Kelderman · Answer

I had a client who had lost their Medicaid and sort through a number of bills not being paid by their current plan. We were able to get them back on Medicaid and even get the plan to back pay the bills that were not covered. It was really satisfying. I love helping people work through difficult issues.

Answered by Jon Kelderman on March 25, 2025

Broker Licensed in IA, AZ & TX

Answered by Jon Kelderman Medicare Insurance Agent

Jonathan Potter · Answer

Just this past month I was able to sign up two ladies that had major problems applying for Medicare part B. I probably spent over 15 hours with them calling social security to get them on the part B of Medicare. I was persistent when they wanted to quit and we finally got it done.

Answered by Jonathan Potter on March 25, 2025

Broker Licensed in UT, AZ, CA & 14 other states

Answered by Jonathan Potter Medicare Insurance Agent

Tina VanPhung · Answer

A member qualified for a Special Enrollment Period to enroll in a Medicare Supplement plan without underwriting due to a change in residence. However, their initial application was denied because they were receiving treatment for dementia per state regulations. We then applied with a different carrier, which was approved immediately.

Answered by Tina VanPhung on March 22, 2025

Broker Licensed in OR, AZ, CA & 7 other states

Answered by Tina VanPhung Medicare Insurance Agent

Jason Rubin · Answer

I assisted an individual last week who was new to Medicare and had no idea the difference between original Medicare with a supplemental plan or a Medicare Advantage plan. After conducting a thorough needs analysis, it was determined that most of his doctors accept Orignal Medicare only. I proceeded to enroll the individual in a Medicare supplement plan along with a Part D drug plan.

Answered by Jason Rubin on March 25, 2025

Broker Licensed in CA, AK, AL & 33 other states

Answered by Jason Rubin Medicare Insurance Agent

Brittney Brock · Answer

Every client’s situation is different, so I’d say every interaction involves navigating a unique Medicare issue. For example, some people might qualify for state assistance, while others have VA benefits or Tricare for Life. Then there’s the fact that everyone’s medical history is different, which can significantly affect their coverage needs.

To really help someone, I make sure to take the time to understand their specific circumstances. It’s all about listening to their needs, their healthcare situation, and any other benefits they might be eligible for. Once I have a clear picture, I can guide them toward a good option based on their individual situation. It is not just a one-size-fits-all solution.

Gregg Matheny · Answer

Every time a client calls me that is approaching their 65th birthday I help layout steps for what they need to do next depending upon where they are at for example, income levels, currently on SS, trying to continue work coverage. Etc.. since there are many routes to Medicare I tend to put on my “detective hat” and ask pertinent questions so that I can best educate my clients and give them the best Medicare plan that’s suited to their needs. I will ask about their gross monthly income to determine if they are eligible for any state benefits. If they are, I can guide them to where they would apply for such benefits and explain how it works with their chosen plan. I’m under the impression that this is always a two-way street, And That my clients healthcare needs may change. Because of this, I like to view myself as an employee, and my clients are the “boss”. I love solving problems, And helping people.

Answered by Gregg Matheny on March 25, 2025

Agent Licensed in AZ & UT

Answered by Gregg Matheny Medicare Insurance Agent

Leslie Helene Sussman · Answer

Yes - Medicare can be complex especially for those New to Medicare that continue to work and decide to stay on Employer benefits.    I would suggest still contacting a Medicare Broker to confirm your choice.    Many times, Medicare can be less expensive than employer benefits (You want to compare).   If you are able to continue on your employer health plan -you are able to delay your Part B (not pay the Medicare premium) when you continue to have credible coverage (Part D).

I have clients that pay part B while able to stay on Employer benefits.

Michael Kim · Answer

Just yesterday a client of mine thought just because he enrolled into Medicare Part A and Part B that he had everything and he no longer had a penalty charge. I explained to him that he had to enroll into a plan like a Medicare Advantage Plan that covered a prescription drugs to not get a penalty charge. So he really did thank me for that and now he is one of my clients under my Book of My Business.

Answered by Michael Kim on March 25, 2025

Agent Licensed in NV, AR, AZ & 18 other states

Answered by Michael Kim Medicare Insurance Agent

Sean Davis · Answer

There was a client who was confused about transitioning from employer-sponsored health insurance to Medicare. They were unsure about when to enroll and how to avoid penalties. I guided them through their Initial Enrollment Period, explaining the importance of enrolling in Medicare Part A and Part B. We compared their current plan benefits with what Medicare offered and I helped them understand potential Medicare Advantage plans that would meet their needs. In the end, they felt more confident and relieved to have a clear roadmap for their Medicare coverage!

Answered by Sean Davis on March 26, 2025

Broker Licensed in NY, LA, MD & 6 other states

Answered by Sean Davis Medicare Insurance Agent

Julie Joyce · Answer

My parents! My dad was overpaying and has a lot of medications, my mom has zero meds. They were very overwhelmed we had to find a good fit for my dad and his meds along with he had doctors in 2 very different networks. I ended up saving them over $600 a month!

Answered by Julie Joyce on March 25, 2025

Agent Licensed in PA, CT, DE & 9 other states

Answered by Julie Joyce Medicare Insurance Agent

Gretchen Morris · Answer

It's important to have an agent who is experienced and willing to help. I had a client who was on an advantage plan and within the first year had a catastrophic health event. We were able to switch them over to a medigap plan that would ultimately save them thousands of dollars in addition to relieving their stress and giving them peace of mind. This way they could focus on getting better rather than where they were going to get the funds to pay the bills.

Answered by Gretchen Morris on March 4, 2025

Broker Licensed in MN, AZ, FL & WI

Answered by Gretchen Morris Medicare Insurance Agent

Tammie Rutledge · Answer

We recently had a 70 year old male contact us. He never activated his Part A and Part B or Part D with Medicare.  He also has no income per se'.  We advised him to file for the Medicare Savings Plan with DSHS first and then apply for Medicare.  If he is approved by DSHS, they will pay his penalties.  He is also started Kidney Dialysis so he is automatically qualified for Medicare. 

He had not filed taxes in years, even though he has a business. The business was constantly losing money, so he took no income.  He has a partner who has been supporting him financially.

Paul Dzierzanowski · Answer

I recently received a call from a lady referred to me through an existing client. The lady had original Medicare only and desperately needed some type of supplemental coverage due to the fact that, unfortunately, she was battling cancer. With the recent cancer diagnosis and no guaranteed issue qualification, I showed her the available Medicare Advantage (MA) health plan options in her area for which she qualified. I met with her personally and we carefully examined the various plan details and benefits. She selected a plan that included all of her physicians and covered her current prescriptions. Her first course of treatment under original Medicare was going to cost her close to $14,000 out of pocket. Her expected treatment under the MA plan she chose was a Part B drug, and would make her reach her maximum out of pocket of $4,900 in the second week of a six week treatment plan, but $4,900 is less than $14,000. After her plan took effect, the insurance utilization manager at the oncologist's office submitted the lady's information to the chemotherapy company and they granted her a scholarship for the chemotherapy drugs. Her out of pocket will be $0.

Answered by Paul Dzierzanowski on March 25, 2025

Agent Licensed in FL

Answered by Paul Dzierzanowski Medicare Insurance Agent

David Koller · Answer

We are there for our clients and we are known for answering our phones. One client had a very expensive medication that she could not afford. We helped her ask the right questions to her provider and she found out about a pharmaceutical grant to pay for her medication.

Answered by David Koller on March 26, 2025

Broker Licensed in UT, ID & NV

Answered by David Koller Medicare Insurance Agent

George Kolitsas · Answer

Every single day. From saving money on prescription cost, or reviewing there benefits, or helping them qualify for state specific programs that they were not aware of.

Jeffrey Simpson · Answer

Restructuring a choice of plans so that their PCP and medications were inclusive.

Reexamining a person's plan through a thorough "needs analysis" and found this person to qualify as a dual beneficiary.

Mitchell Jerome · Answer

Many times I've helped clients through complicated issues and generally it's around their medications. I can calculate to the penny what their costs will be. I can help them get onto Patient assistance programs when appropriate.

Answered by Mitchell Jerome on March 12, 2025

Broker Licensed in TX

Answered by Mitchell Jerome Medicare Insurance Agent

Michael Crocker · Answer

I once met an individual who had paid thousands of dollars over the years due to a late enrollment penalty. I assisted him with filing an appeal and we were able to get his penalty completely removed.

Martin Cahill · Answer

Had a woman in need that was Mass health standard level in Massachusetts. I asked her how she was doing and she replied i have not eaten in two weeks! Her being Mass health Standard level she was eligible for our Senior Care option plan. Subsequently had some food delivered and got her some help coming in to check on her...

Answered by Martin Cahill on March 4, 2025

Agent Licensed in MA, CT, FL & 5 other states

Answered by Martin Cahill Medicare Insurance Agent

Walt Smith · Answer

I had a client that was taking 21 different medication’s. We had to find the right plan for him and we looked at every single plan in New Jersey and we found the one that was cheapest for him at his drugstore.

Answered by Walt Smith on March 25, 2025

Agent Licensed in NJ, PA & VA

Answered by Walt Smith Medicare Insurance Agent

Christopher Orr · Answer

I do it everyday thru our innovative program that looks your doctors and prescripts up before enrolling ranking plan choices for your review with agent recommendations

Mindy Foran · Answer

I go above and beyond assisting clients that are confused on how to navigate setting up their online accounts when applying for Medicare.

Frank Woerner · Answer

I have assisted seniors save money on high-cost prescriptions. I have also found lower cost drug plans and Medigap plans form my clients.

Isaac Lind · Answer

Most of the time the billing and claims for these plans are not complicated.....until you have a time when things are messed up. 

In these circumstances, working with a local agent like me has its advantages. I provide lifetime billing and claims support for all of my clients, at no extra charge to them! This definitely beats calling a 1-800 phone number where you wait on hold or can barely understand the person! 

It does not cost a penny to work with me, but you get extra help!

Stephanie Yarberough · Answer

The world of an insurance broker is never boring, as each client's situation and specifics are different. I have had many clients that received misguided advice from a 1-800 number or even local Govt organizations before coming to me and ended up in a Medicare Insurance Plan that caused them significant out-of-pocket financial exposure, or they could not see the doctors they wanted to see. I have then provided a thorough explanation of options that were often not explained to them originally and navigated enrollment windows to get them on an insurance plan much better suited for their needs.

Answered by Stephanie Yarberough on March 4, 2025

Broker Licensed in PA

Answered by Stephanie Yarberough Medicare Insurance Agent

Erin Stott · Answer

I had a client who had several health issues and a very high premium, I was able to help them work through their plan and found a plan that helped to save them money and fill in the gaps so they had complete coverage.

Answered by Erin Stott on March 5, 2025

Agent Licensed in UT, OR, TX & WA

Answered by Erin Stott Medicare Insurance Agent

David Ghiorso · Answer

I can think of multiple times when a client was facing complex Medicare issues, which really means, they were having to compare the two different Medicare Pathways. More complex situations can arise when one has, employer retiree health insurance and has too look at price and coverage when comparing that to outside Medicare plans.

Answered by David Ghiorso on March 25, 2025

Agent Licensed in CA, AZ, IA, MT, NV & TN

Answered by David Ghiorso Medicare Insurance Agent

Michele Vina · Answer

Most often, prescription medications can be a complicated issue for my clients. However, I'm able to help them find the best coverage for the lowest cost. There are plenty of options beyond traditional Part D plans.

Answered by Michele Vina on March 26, 2025

Broker Licensed in TX, KY, OH & OK

Answered by Michele Vina Medicare Insurance Agent

Ted Heckel · Answer

Client was in a Medicare Advantage plan and recently was told would have to start dialysis, luckily we were able to switch to Original Medicare with a Supplement as secondary, saving him a few thousand dollars.

Answered by Ted Heckel on March 4, 2025

Agent Licensed in CT, AL, FL, NY & SC

Answered by Ted Heckel Medicare Insurance Agent

Linda Bolan · Answer

Most of the complex issues I have dealt with seem to be when a client has Medicare and Medicaid. Often the client doesn't know what he/she has. So I help determine their level of Medicaid if they have it and find a plan that will best fit their needs.

Answered by Linda Bolan on March 12, 2025

Agent Licensed in IN

Answered by Linda Bolan Medicare Insurance Agent

Jill Belvin · Answer

I help clients navigate complex medicare issues daily. Medication is an issue that can be difficult to navigate and I help clients determine which prescription drug coverage will be the least cost for medications and provide the best coverage for their prescription drug needs. 

I also help navigate starting Medicare after turning 65 and leaving a creditable group plan by submitting the correct paperwork to Medicare to prevent any late enrollment penalty charges!

Tony Hardwick · Answer

I had a caller who was losing their Medicaid assistance because they moved to a different state. I was able to assist them with finding a plan in their new area. Since they lost Medicaid, I suggested a plan with the Part B reimbursement benefit that would provide some of their premium back since the state was no longer paying it. I informed them that they can re-apply for Medicaid in their new state if approved, they would then be able to enroll in a new plan that reflects that they have that assistance and will qualify for a special election period due to regaining Medicaid assistance.

Answered by Tony Hardwick on March 31, 2025

Agent Licensed in GA, AZ, CA & 15 other states

Answered by Tony Hardwick Medicare Insurance Agent

Sean MacBean · Answer

Since everyone's healthcare situation is different, we take a custom approach to help you design a plan that works best for you. 

We review these plans annually and adjust them as needed.

Abbie Choate · Answer

I helped a client who was losing their Medicaid (Medi-Cal) coverage and was completely overwhelmed. They had no idea what that meant for their Medicare or how they were going to afford their prescriptions. I took the time to walk them through their options, helped them apply for a Medicare Savings Program, and found a plan that covered their medications at a much lower cost. By the end of our conversation, they went from stressed and unsure to relieved and confident. That moment really stuck with me because it reminded me why I love doing this—making sure people don’t have to go through these challenges alone.

Answered by Abbie Choate on March 4, 2025

Broker Licensed in CA & NY

Answered by Abbie Choate Medicare Insurance Agent

Deborah Bates · Answer

Just today.  I helped someone figure out how to appeal their healthcare need to their plan.  It was not hard for me, but it made their life easier.

Micheal Rohlmeier · Answer

Most issues with Medicare can get complicated…just the nature of the beast. Having someone on your side to help you navigate it is important. I recently helped a client refute their Part D late enrollment penalty. They were approved and the penalty was removed as we could show they had creditable coverage for the time in question.

Answered by Micheal Rohlmeier on March 17, 2025

Agent Licensed in KS, FL & MO

Answered by Micheal Rohlmeier Medicare Insurance Agent

Lynsy Meier · Answer

In a recent Medicare plan review, I discovered that the person qualified for the Medicare Saving Program and this opened the door to more plan options with lower out of pocket costs. She shared with me that her status had not recently changed, however she had never been told she qualified for the additional plan options. She reached out to me within 2 weeks of enrolling in her new plan and was so happy to be saving money when seeing her health care providers!

Answered by Lynsy Meier on March 18, 2025

Broker Licensed in TX

Answered by Lynsy Meier Medicare Insurance Agent

Cory St. Etienne · Answer

I helped a family of 3 on 3/25/25 find a plan with the medicare benefits they were looking for and assisted them with the enrollment process. I had to explain their level of benefits they were approved for and help explain the new coverage they were going to recieve with their new plan.

Answered by Cory St. Etienne on March 26, 2025

Broker Licensed in FL, KY, LA & 5 other states

Answered by Cory St. Etienne Medicare Insurance Agent

Can you describe a time when you helped a client navigate a complex Medicare issue?

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Can you describe a time when you helped a client navigate a complex Medicare issue?

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