What You Need to Know About Medicare Advantage Plans in The Coming Year
October 15th marks the beginning of the Annual Enrollment Period for Medicare. It is the time of year that everyone may change Medicare...
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Your Medicare Made Easy
Saving you time and money!
Some things in life
should be easy,
Medicare is one of them
If you enrolled in a Medicare plan online or over the phone, who is your agent?
Your Medicare Made Easy
Benefits I Provide:
1) Explain Medicare in easy to understand language
2) Make sure you know whether or not to enroll in Parts A & B.
3) Makes sure you know what Employer Documents you'll need to keep from paying penalties when applicable.
4) Keep you abreast of all deadlines, so you don’t incur penalties – that you'll have to pay every month for the rest of your life.
5) Run a Needs Assessment to help you determine whether to choose Mediigap or Medicare Advantage - so you get the healthcare you need and save money.
6) After deciding between Medigap and Medicare Advantage: Run a detailed analysis of all plans available in your area with all Major Carriers to determine which is/are best for Your Specific Needs.
7) For Part D Plans, take a list of all of your prescription drugs, run a comparison with Every Plan in your area to find the most cost effect one.
Once the most cost effective plan is identified all of your prescriptions are priced out to every pharmacy within a 5 mile radius as well as mail order to ensure you know where the greatest savings can be found.
You'll then be provided a PDF for your records so you know you'll be paying the lowest possible price on your prescriptions.
Sound Complicated? Honestly, It is!!!
But my pledge is that I'll always treat your money like it was mine.
Ways I Can Help
Life happens and I'll be there for you through the changes, and after!
Turning 65
Retiring and enrolling in Medicare
Relocating
Medicare Options I Can Help You With
I have hand selected the best companies in the industry to partner with to bring you the best coverage, service and peace of mind
Supplemental Insurance
Medigap
"Pay As You Know"
Higher monthly premiums, but no Co-Pays, no Co-Insurance and no Maximum Out of Pocket Expenses.
Medicare Supplement allows you to know exactly how much you will be paying every year.
There is the added benefit of giving you the freedom to choose your doctors and hospitals because there are no Networks and no referrals are needed.
Everyone is given a one-time opportunity to enroll in Medicare Supplement with guaranteed acceptance (no medical underwriting). If you miss this opportunity you can be denied because of an existing medical condition or you may be accepted, but at a much higher premium rate.
Medicare Advantage
Part C
"Pay As You Go"
Lower monthly premiums (many times $0 or $15 - some higher), but has Co-Pays, Co-Insurance and Maximum Out of Pocket Expenses (usually several thousands of dollars).
This approach allows you to pay little if anything for monthly premiums, but you will pay along the way at the doctor's office, with lab work, diagnostics, hospitalization, ambulance, etc.
Medicare Advantage will be HMOs and PPOs, so you are limited to networks of doctors and hospitals. Not every hospital accepts Medicare Advantage so it's important to know that going in if you have a pre-existing condition or family history that may require you to see specific doctors or go to specific hospitals.
You can not be denied enrollment into Medicare Advantage.
With so many Medicare Advantage (Part C) plans out there - each one of them different, it's incredibly important to know what benefits are being offered, what the Annual Maximum Out-of-Pocket Expenses are, and to be very familiar with the networks involved with each HMO & PPO so you can keep your doctor.
Part D
Prescription Drug Coverage
Most people would be shocked to find out the difference in price in prescription drugs based on different Part D Plans and different pharmacies.
We shop all major plans with your specific list of prescriptions, find the most cost effective plan according to your needs, then we price your prescriptions with all pharmacies within a 5 mile radius to find the absolute lowest price for you.
Want to know more about me?
Terrie Martin
Medicare Specialist
My belief: Everyone has worked too hard, too long and paid too much for Medicare to be this confusing and difficult.
I am dedicated to simplifying the process, educating in easy to understand ways, making sure you know your options, keeping you safe from deadlines and maximizing all of the benefits possible while minimizing your financial risk.
There is NO CHARGE for my services.
Education
B.S. in Economics from Texas A&M University
Certifications:
*Nationally Certified Medicare Specialist
*Certified and Appointed with all Major Insurance Companies
*Certified for Medicare Supplement (Medigap), Medicare Advantage, Part D, Chronic Plans, Dual Eligible/Dual Complete Plans
Bonded for $1,000,000
My Specialty
Simplifying the process by analyzing all available plans in your area to fit your specific needs: Doctors, Hospitals, Lowest Price Prescriptions, Etc.
Working with individuals with Chronic Conditions who qualify for special plans and those who are also enrolled in Medicaid and qualify for Dual Eligible Plans.
Working hand in hand with my clients to make sure they have the best Medicare experience possible.
Because I speak "Medicare" I am happy to talk to doctors offices, pharmacists, hospitals, home healthcare, medical supply stores, etc. to get the information you need and the answers you want.
Community:
*Has lived in Montgomery, TX since 2009
*Member of First Methodist Conroe
*Husband, Dante, is a Veteran
*Sons, Dante and Owen, are both Eagle Scouts
*Both are attending Texas A&M University in College Station (Owen is in the Corps of Cadets)
*Member of The Rudder Association
*Currently Serving as President of the Montgomery County A&M Club, Past Vice President
*Served as Past President of the Montgomery County Aggie Moms Club
*Served as President of the Montgomery County Aggie Moms Club 2020-2022
*Served as Vice President of Communications for the Montgomery Aggie Moms Club 2018-2020
Volunteers at Senior Living Centers helping residents with their Medicare billing questions, general questions and problems.
Gives Free Educational Medicare Workshops at various locations and online
.
Reviews
Oh my gosh, I recommended Terrie to my widowed friend with a special needs son.
Terrie was so kind & patient with her. After they figured out my friend's situation & choices, she helped the son (with special needs). He is on a better program, with more benefits that they never knew about. Next, they are working on grandmother's!
Donna Hunter - Next Door
Terrie Martin, with Your Medicare Made Easy, has been so amazing and absolutely indispensable when it came to my Healthcare. I highly recommend her, she is not only very attentive, she is incredibly knowledgeable and she truly cares about helping people find the right care and the best doctors that meet the highest standards. She won't forget who you are either, she doesn't just push a plan on you then move on to the next person. Terrie has made choosing a Medicare plan and finding the right doctors so much less painful because unlike any other health rep I have ever spoken to, she actually cares about the people she helps.
Mariasole Reece - Google Review
I have never had a Medicare Agent go the distance like Terri has. I had a few issues when I first changed to the Dual Complete but Terri has been there through all of them. She is very professional and if she doesn't know the answer to a question she will find it. I can't say enough good things about Terri. I highly recommend her for your Medicare needs.
Shelly Arledge - Google Review
Terrie Martin is a phenomenal person that has a lot of patience. She has helped me so much, its a little complicated understanding everything about medicare, but she explains all the information so well and has answered all of my questions about enrolling in medicare. I appreciate so much your assistance Terrie thank you for being kind and caring. I give you 5 stars!! Thanks again!!
N.G. - Google Review
Terri has been there every time I have had a problem and if she doesn't know the answer she takes time out of her busy schedule to find it. I highly recommend her for all your Medicare needs. I am very pleased with Terri.
Shelly Boyd - Facebook Review
I highly recommend Terrie for a Medicare Agent. She helped my son get the plan that was best for his needs. She is always there to help him with any issues he has. It is great having someone who is local and is available when needed. Thank you Terrie Martin for all you do!!
Lorraine Crow - Facebook Review
I recently found myself in the position of navigating the Social Security/Medicare waters and can only say I wish I had found Terrie before diving in! I relied heavily on information provided by my employee retirement system only to learn it was inaccurate or incomplete. With so many different plans and things that need to be done upon retirement, I spent countless hours and numerous trips to agencies to get answers and figure it all out.
I got Terrie’s name at a SS workshop I attended and after meeting with her the first thought I had was, “I wish I had met her about 2 months ago!” Terrie’s level of expertise about Medicare and the plethora of Medicare plans is extraordinary. In addition to her knowledge, she is very professional, but also very personable and easy to talk to! She takes great care to explain the complexities of Medicare in a manner that is understandable to the average person.
What I also appreciate about Terrie is her honesty and integrity. When I showed her the plan I was being offered by my employer as a retiree she told me that is was a fantastic plan and advised me in no uncertain terms not to enroll in anything else because I would lose that plan forever. She told me not to ever let anyone talk me out of the plan I was being offered and made sure I knew why.
Denise - The Woodlands
Thank you to everyone who took the time to share their thoughts & experiences! It's been my pleasure!
Terrie
At Your Medicare Made Easy, we make sure to give our clients the utmost attention and dedication they deserve. We’re proud to showcase the following testimonials from some of our valued clients, so you can see the type of work we do. Read what they’ve said about us and see for yourself how you too can benefit from our services.
Contact Me
I'm standing by to help with any of your Medicare Questions.
Please feel free to reach out to me!
192 Lakeside Drive Montgomery, TX 77356
281-468-6506
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