Confused about Medicare?
Do you or someone you love need to just need to sit down and talk to someone knowledgable about Medicare and get your questions answered without the pressure to buy? Then you have landed at the right website!
Allow me to introduce myself… My name is David Topor and that is what I do and I would be very happy to have that conversation with you. I represent many insurance providers and am able to compare and contrast and show you what’s important and find the most suitable plan for you and your situation. Whether you are interested in a Medicare Supplement plan, Prescription Drug plan, or Medicare Advantage Plan, let’s sit down and talk about how they work, and what benfits will be best for you. Feel free to call my mobile phone any time 865-441-1794
Frequently Asked Questions
Do I need to change my plan every year?
What is the best way to figure out the best plan for me?
For Medicare advantage prospects or clients, the next step is to check if their doctors and medical facilities are in the specific plan’s networks.
For Medicare Supplement prospects and clients, I run multiple quotes from my quote engine and compare Premiums, Industry Ratings, Rate History and pertinent market data.
The Last step is to determine any financial advantage between any 2 plans. The way I help clients do this is to write down all their anticipated medical visits and procedures for the year, then we plan for a few unexpected emergencies for good measure. Once we have our list, we price out what the different co-pays will be for each plan we are considering. The last step is to annualize the premium for each plan. Once you total all the cost, you can determine which plan might have a financial advantage.
How can I avoid the Donut Hole?
About 80% of Seniors have a annual combined prescription drug usage of $3,700 and therefor do not enter the donut hole. However, once in the donut hole, the Drug manufacture will discount 60% for Brand names and 49% for Generic. Seniors will exit the donut hole once their total annual out of pocket expense for prescriptions exceeds $4,950. At that point they have entered catastrophic coverage and co-pays for all covered drugs will be just a few dollars per month. Seniors are encouraged to visit Medicare.gov and use the interactive tool to estimate prescription drug costs and coverage.
Can I travel with my plans?
Some Medicare Supplement plans (C,D,F,G,M & N) offer foreign travel emergency care with limits
Which is better, a Medicare Supplement or a Medicare Advantage?
Medicare Advantage Plans are Medicare replacement plans offered by private insurance companies and vary from State to State. Plans are equally offered, regardless of age, to all medicare recipients as long as they do not have end stage renal disease. They usually offer affordable co-pays within their HMO or PPO provider Networks. Most of these health plans offer a embedded prescription drug plan at one low premium. All plans are required to cap expenses with an out of pocket maximum any where from $3,400-$6,700. Some plans offer extra benefits like Dental, vision and Gym memberships to add value to their plans. Plans are subject to change annually and therefor the Federal Government allows an Annual Election Period (AEP) for Seniors to reevaluate their changing needs.