Licensed Independent Medicare Agent Specializing in Medicare Plans
I am an expert on all Medicare options available, including Medicare Advantage Plans, Medicare Supplement "Medigap" Plans, and Part D Drug Plans. I enjoy helping seniors cut through the confusion and evaluate options available. I pride myself in providing help in a no pressure way. You are in the driver's seat for your own coverage! I only work in Florida and understand the networks, benefits, and more related to plans in the Space Coast and Orlando metro area. I am happy to help answer your questions about Medicare.
A little about me outside of Medicare: I am married and live in Melbourne, Florida. I have two little boys, Colton and Ryder. They keep us very busy! I also enjoy reading, watching movies, and going to the beach.
Medicare Supplement (Medigap) Plans are a great option if you do not like risk and would rather have the most coverage. Keep in mind that Medicare Supplement Plans do not include Part D Drug coverage, so you will also need a stand alone Part D Drug Plan unless you have other "credible" drug coverage. I can help you shop premium rates so you do not pay more than you have to!
Part C Medicare Advantage Plans are available to you when you have Medicare Parts A & B. Many of these plans include extra benefits, like dental, vision, OTC allowance, gym membership, zero or low premiums and zero deductible. They are essentially getting paid by Medicare to provide your Medicare benefits. They are able to add in extra be
Part C Medicare Advantage Plans are available to you when you have Medicare Parts A & B. Many of these plans include extra benefits, like dental, vision, OTC allowance, gym membership, zero or low premiums and zero deductible. They are essentially getting paid by Medicare to provide your Medicare benefits. They are able to add in extra benefits not covered by original Medicare! Let me help you check networks, benefits, and drug costs.
If you decide to choose a Medicare Supplement Plan to enhance your Medicare A & B coverage, you will most likely need a Part D Drug Plan. I can help you check the plans available in your area to find the lowest cost plan for you for your personalized situation. Also, find out more about the Medicare Part D "Donut Hole" and whether or not you are at risk for getting into it.
If you are still working and covered by your employer group health plan with 20 or more employees, you are able to delay Medicare enrollment without a penalty for late enrollment. Most people will go ahead and enroll in Part A, which is zero premium if you worked enough time and paid Medicare taxes. The only time you will not want to get Part A is if you have an HSA. Medicare plans don't have a high enough deductible for you to quality for having an HSA account. Find out more info here: https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/working-past-65. Many people continue to work after 65 but still go on Medicare insurance because it may be less expensive and have more benefits. Contact me to help you compare Medicare costs and benefits to your employer plan.
This is a personal decision and everyone is different. My parents are both on Medicare plans and each chose a different option. My mom hates risk and would rather pay more in premiums to lower her health care risk. My dad is the opposite. He didn't want to pay an additional premium and also wanted the extra benefits Medicare Advantage Plans provide. He has been saving all the money he would have paid for a Medicare Supplement Premium. Both parents are very happy with their decisions! It just goes to show there is a plan for everyone.
In 2023, the standard Medicare Part B premium amount is $164.90/month. If you didn't work long enough and pay Medicare taxes, you could also be required to pay a Part A premium (but most people don't). The Part B premium can be adjusted based on income. Right now they are looking at the 2022 tax return to determine if you will pay the standard amount or if they will charge you IRMAA (Income Related Monthly Adjustment Amount). Find out more info here: https://www.medicare.gov/your-medicare-costs/part-b-costs
You may have seen a TV commercial or ad regarding getting money back in your Social Security check. Plans vary by area, but this may be an option in your area. The ads that talk about getting all of the Part B premium back in your check are referring to Medicare Savings Programs available to people with low income. Find out more here: https://www.medicare.gov/your-medicare-costs/get-help-paying-costs/medicare-savings-programs.
There are also Medicare Advantage Plans that are not for people with low income that help pay a portion of your Medicare Part B premium. Some of the plans are geared toward people who only need medical benefits and not prescription drug benefits. This may be because the beneficiary has VA drug coverage or other credible drug coverage and prefers to use that instead of Medicare Part D drug coverage. There are also a few other plans that reduce the Part B premium. Usually there would be higher copays or fewer extra benefits. Contact me to find out more and check plan options in your area.
As an independent agent, I don't work for just one insurance company. I represent multiple companies including:
Different companies and plans could be a better fit for different people.
I am able to help you by comparing plans available in your area that meet your needs. I will check networks to find out which plans your doctors accept. I will also check drug costs to find the best Part D Drug plan for you. There is never any pressure. I am here to help answer your questions you have now and in the future. I am able to help you get enrolled and help with plan changes in the future.
I like to tell people using a Medicare Agent is similar to using a Realtor when buying a house. It is a "no brainer" because someone else (the seller) is paying for the help. The insurance company pays for my services. Your coverage and premium are never effected. That means my help and advice to you costs you NOTHING!
After you enroll - I still provide the same great service.
Any questions you have regarding Medicare or the plan you chose I am there for you. I have great relationships with all of the insurance carriers and I am willing to contact them on your behalf.
Every enrollment period I will offer to meet with you again and review your plan to see if there is anything better. Totally FREE to you.
Again, there is never any cost to use for my services and I take your privacy very seriously. Your info is never shared.
Providing FREE Medicare Quotes and Medicare enrollment assistance all throughout Central Florida - including Cape Canaveral, Cocoa, Cocoa Beach, Daytona Beach, Indiatlantic, Kissimmee, Melbourne, Melbourne Beach, Orlando, Palm Bay, Rockledge, Satellite Beach, Sebastian, St. Cloud, Titusville, Vero Beach, Viera and more.
Ryan Mills is licensed and certified representative of Medicare Advantage and Part D Drug Plan organizations. Each of the organizations he represents has a Medicare contract. Enrollment in any plan depends on contract renewal. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not affiliated or endorsed by any government agency.
Copyright © 2022 Ryan Mills, Medicare Agent - All Rights Reserved.