My name is Kent Hoyle. I am a licensed insurance broker serving Southwest Missouri, Southeast Kansas and Northwest Arkansas. I established my agency in October 1979, providing personalized services with top-quality insurance coverage at fair costs.
I work with clients to help them make informed decisions about what Medicare Supplement and Life Insurance coverage is best for them.
I also provide Dental/Hearing/Vision coverage. I also provide my expert assistance for Guaranteed Issue Life Insurance and Short-Term Convalescence policies.
to help them make the best decision that covers their life choices.
I serve as a consumer advocate, with top-notch insurance coverages at fair prices.
that has been long forgotten in today's world. Kent Hoyle treats the customer right!
Medicare Supplements are plans in addition to your current Medicare plan. These supplements can cover additional expenses that Medicare may not, giving you the most comprehensive coverage available.
If you are between 50-80 years old, regardless of your health, we now have a very affordable GUARANTEED ISSUE LIFE INSURANCE POLICY. Call (417) 438-6727 for these hard to believe rates.
Because your health insurance is vitally important, if the insurance agencies you are considering do not know the answers to these and other basic questions relative to this niche insurance market, you may need Kent Hoyle.
Medigap and Medicare Supplement Insurance policies are the same. A Medigap policy is a health insurance policy sold by private insurance companies to fill gaps in the original Medicare coverage. Medigap policies can help pay your share of the costs of Medicare covered services such as the coinsurance, copays, and deductibles.
This, as well as many Medicare insurance topics, are covered in the Centers for Medicare & Medicaid Services booklet, “Choosing a Medigap Policy.” This is one of the documents I will give you when I take your application or anytime upon request.
An insurance agent is a person that usually has a contractual relationship with only one company relating to a specific line of insurance, whereas a broker will probably have numerous companies available for the consumer to choose from, depending upon the many variables presented. An important example: Missouri is a guaranteed issue state. If the company you are insured with takes a major rate increase, at your request, your broker could help you acquire coverage with another lower premium company.
Medicare Part A is referring to eligible inpatient hospital coverages and skilled nursing facility care.
Whereas, Part B is referencing eligible physicians’ services, hospital outpatient care, physical and speech therapy and ambulance services.
The Medicare Supplement Policy vs. the Medicare Advantages Policies:
All Medicare Supplement policies are standardized. This means, policies with the same letter offer the same basic benefits no matter where you live or which insurance company you buy from.
You can only buy a Medicare Supplement policy if you have Original Medicare. Generally, that means you have to sign up for Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) before you can buy a Medicare Supplement policy.
You will pay the private insurance company a monthly premium for your Medicare Supplement policy in addition to the monthly Part B premium you pay to Medicare.
Any new Medicare Supplement policy issued since 1992 is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your Medicare Supplement policy as long as you stay enrolled and pay the premium.
The best time to buy a Medicare Supplement policy is during your Open Enrollment Period. This 6-month period begins the first month you have Medicare Part B (Medical Insurance) AND you’re 65 or older.
You can use any doctor or hospital that accepts Medicare, anywhere in the U.S.
Medicare Supplement plans sold after 2005 don’t include prescription drug coverage. If you want prescription drug coverage, you can join a separate Medicare drug plan (Part D). To learn more about Medicare drug coverage, visit Medicare.gov by clicking the link below, or call 1-800-MEDICARE (1-800-633-4227).
In my opinion, if you are currently insured with or considering insuring with a company or agency that displays the following characteristics, YOU CAN DO BETTER:
All of my insureds have my personal cell phone number and they understand that I do not keep typical business hours. All of my insureds are informed to call me whenever they need me, not only during business hours. I’m here to help you navigate through the Medicare maze with ease. Call Kent Hoyle Insurance Agency today for a FREE estimate at 417-438-6727.
Kent Hoyle Insurance Agency is a consumer advocate agency. Being a broker means I am contracted with numerous companies at all times. I am always looking for the following:
Because company analysis is an ongoing process in my agency, specific company names are not listed. Some are coming in the front door periodically, if they show promise. Other companies are being ushered out the back door if, in my opinion, they fail to continue to meet our above criteria. If you are interested in knowing the companies that we work with, please call me at 417-438-6727.
Serving Southwest Missouri, including Joplin, Carl Junction, Webb City, Oronogo, Carthage, Neosho, and Pineville etc.
Northwest Arkansas, including Bella Vista, Bentonville, Fayetteville, etc.
Southeast Kansas, including Pittsburg, Galena, Riverton, Columbus, etc.