Melissa McBride Stille of Stille-DeWitt Health Brokerage, LLC

Melissa McBride Stille of Stille-DeWitt Health Brokerage, LLC
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Are you turning 65 and thinking about retirement and donโt know what to do? โMany people are trying to decide if they should retire and how that would impact their health insurance.โ says independent insurance agent Melissa McBride Stille, โIf someone is 65 years old and wants to stop working, knowing their health care options ahead of that decision is crucial because there are far reaching consequences.โ
Melissa has been in the health insurance industry for 14 years and is the sole proprietor of Stille-DeWitt Health Brokerage. She says, โDeWitt Insurance Agency has been in business since 1956. When I purchased the agencyโs health department, I incorporated it into my agency name to keep the continuity within the community.โ As a health insurance broker specializing in Medicare, she is dedicated to presenting her clients with the best health care options available.
She says at age 65 most people need to think about the pros and cons of Medicare options or continuing insurance through their employer. Donโt stress over the paperwork she says, โAll you need is to bring me is yourself and your current group benefits. Donโt depend on your Human Resources department to help you because they are not insurance specialists. We can do a three way call between yourself, your HR dept and me so I can thoroughly assess your situation. Together we will optimize your benefits while tailoring them to your needs.โ
Melissa can also facilitate your Medicare application with the Social Security office. โThere are many factors, particularly with Medicare Part B.โ Some scenarios involve penalties but they may not apply to you, thatโs why working with a Medicare specialist is critical to obtaining the best outcome.
Each client presents individual issues. You may have a spouse who is dependent on your benefits and too young for Medicare. Melissa will help you compare the cost of staying at your current position and using your employer benefits plan, versus retiring and having your spouse obtain health insurance through the marketplace. Perhaps your spouse has a chronic illness or is in an assisted living facilityโthese are important factors in your decision.
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โข Is Medicare Primary or Secondary
โข Open enrollment periods
โข Deductibles vs out of pocket
โข Spousal Considerations
โข All income levels need expert guidance
Melissa also works with Medicare recipients under 65, including those who have Medicare through Social Security Disability and with people using Affordable Care Act Marketplace insurance, and some group insurances. โI care about each and every client and do a review of everyoneโs health policies every year because there are so many changes annually,โ she says. โI like to simplify things and present you with your best options.โ She gives every client her cell numberโitโs in all of her advertising so that every client, even future clients, can feel comfortable reaching out to her. She says, โI work for my clients, not the insurance company.โ
If you have a question regarding Medicare or other health insurance options, give Melissa a call!
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