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Verna is one of the nicest and professional individuals one could obtain this type of information from; she is polite, honest and goes the "extra mile" to help. Wilma M, Jenks, OK Read more reviews
More about Verna
I have lived my whole life in Utah. Started in the insurance industry when I was 20 years old and been there ever since, so more than 30 years. I have four children, three step-children, and a dozen grandkids. Also have a loving husband and a Yorkie named Dogginz. I feel loved and often entertained by them all.
Three words that describe me:
Caring, natural, supportive
Favorite thing to do when not at work:
Play with my grandkids
Favorite place to visit and why:
My favorite place to visit is somewhere I have not been to before. I enjoy seeing and learning about new places with all the variety we have here on earth. On the other hand, I never get tired of going to our cabin for a weekend to get away from the hussle and bussle of town.
What I like most about helping people find the right Medicare plan options:
Knowing that I have helped them keep their medical costs as low as possible so they can get the care that they need. I enjoy receiving comments like- “Thanks, I am understanding how Medicare and other coverages work together now for the first time”.
Actress: Julia Roberts
Medicare articles by Verna
What’s new with Medicare Part D in 2018?
If you have Medicare Part D (prescription drug coverage) or plan to enroll in a stand-alone Medicare Part D Prescription Drug Plan, you may be interested in several cost-related trends in 2018. Medicare Part D premium may decline In its August 2017 news... Read more
Seniors: How Much Do You Need to Retire Comfortably?
How much money you need to retire depends on many factors, according to CNN Money, part of the Cable News Network. Some of these factors are hard to predict, such as guessing how long you'll live. Others are easier, such as how much money you have already... Read more
How will Obamacare Repeal Affect Medicare?
With talk in the news about an Obamacare repeal, you may be wondering how that would affect Medicare. We don't have a crystal ball, but let's explore what news reports are saying about whether and how Medicare may be affected by a possible Obamacare... Read more
Leg cramps: causes, diagnosis & treatment, and prevention
What causes leg cramps? Pain from leg cramps can wake you up in the middle of the night, reports a Harvard Medical School newsletter. Leg cramps happen when your muscles (usually calf muscles) contract on their own, according to the National Institutes of... Read more
Does Medicare Cover Botox?
What is Botox used for? According to Botox.com and the U.S. National Library of Medicine (NIH), Botox, also called Botulinum toxin type A, can treat a variety of cosmetic and medical problems including: Facial wrinkles Severe underarm sweating when... Read more
What Should You Do If You Have a Complaint About Hospice Care?
Hospice care is focused on helping a patient stay comfortable during his or her final days, according to eldercare.gov. It's for terminally ill patients, but also helps comfort the patient's family. Hospice care aims to treat the symptoms, but not the illness... Read more
Medicare Supplement in Texas
If you’re a Texas resident who’s new to Medicare, you may have heard that Medicare Supplement plans can help with certain out-of-pocket costs. Here’s an overview of how Medicare Supplement plans in Texas work, including eligibility, when you might want... Read more
What are the Risks of Cancer Surgery?
Cancer surgery is a standard treatment for many different types of masses and tumors. It's understandable to have questions about the risks involved if your doctor has recommended cancer surgery as part of your treatment. Although the risks and potential... Read more
Does Medicare Cover Codeine?
What is Codeine? Codeine is a narcotic pain reliever. It can also be used, in combination with other medications, to treat a cough. Narcotics like codeine treat pain by binding to receptors in the brain, blocking the sensation of pain, according to the U.S.... Read more
Managing Costs for Doctor Visits Using a Medicare Supplement Plan
If you're on Medicare and have a lot of doctor visits, Medicare Supplement insurance might be worth considering. Read on to see if Medicare Supplement sounds like it might fit your needs. What's Medicare Supplement insurance? Here's some quick information... Read more
Obamacare vs. Medicare for People with Disabilities
You might be eligible for Medicare in some cases if you have a disability. But just because you can get Medicare coverage, does that mean you have to take it instead of a major medical health plan under Obamacare? That's what this article is all... Read more
How to Plan for Aging without a Family Caregiver
The number of seniors without family is on the rise, a trend that shows no signs of slowing down in the coming decades. According to an Oxford Academic study published in The Gerontologist, over one third of American adults ages 45 to 63 are unmarried, a... Read more
Does My Pre-Existing Condition Increase My Medicare Costs?
As you get older, your chances of having a medical condition of some kind increases: according to the Centers for Medicare & Medicaid Services (CMS), up to 86% of older Americans between age 55 and 64 have a pre-existing medical condition. You usually... Read more
What Is Colorectal Cancer?
Colon and rectal cancer are often grouped together because they have many features in common, but are distinguished based on where they start, according to the American Cancer Society. According to the National Cancer Institute, colorectal cancer is the... Read more
Assisted Living Facility Options for Seniors
Many older adults may decide to make the transition from independent living to assisted living when they find it is no longer safe for them to live alone or the tasks of daily life become too difficult to do alone. Assisted living differs from a nursing home... Read more
Four Tips for Healthy Blood Pressure Levels
According to the Centers for Disease Control and Prevention (CDC), about 1 in 3 adults in the U.S. have high blood pressure and only about half have their high blood pressure under control. Also called hypertension, high blood pressure can increase the risk... Read more
Comparing Medicare Advantage Plans vs. Medicare Supplement Plans
Perhaps you've heard about Medicare Advantage plans and Medicare Supplement plans, and you're wondering how they're different. Both types of plans are available from private insurance companies. With most Medicare Supplement plans, you can see any... Read more
Obamacare and Medicare Advantage: What You Need to Know
The Affordable Care Act (ACA), enacted in March 2010, is sometimes nicknamed “Obamacare” for the president who signed it into law, Barack Obama. Obamacare is known for establishing the health insurance marketplace at healthcare.gov. Obamacare is also... Read more
Medicare Supplement Plans and Medicare Prescription Drug Coverage
The need for prescription drug coverage According to the National Institutes of Health, people aged 65 and older make up only 13% of the population, but make up for more than 33% of outpatient spending on prescription medications in the United States. This... Read more
Complete Guide to Medicare: Understanding When You Can Enroll in Medicare
This article outlines when you can enroll in Medicare Part A, Medicare Part B, Medicare Supplement insurance, a stand-alone Medicare Prescription Drug Plan (Part D), or a Medicare Advantage plan. Assuming you meet residency requirements, you generally... Read more
Elderly Care Tips Every Caregiver Should Know
Even if caregiving isn't something you've thought about yet, chances are likely that you may find yourself in that role at some point. According to a survey by the National Caregiver Alliance and the AARP Public Policy Institute, roughly 34 million adults... Read more
Does Medicare Cover Rehabilitation for Stroke Survivors?
What are the effects of a stroke? According to the Centers for Disease Control and Prevention (CDC), a stroke occurs when something blocks the blood supply to a part of brain or when a blood vessel in the brain bursts. The CDC states that someone in the... Read more
Medicare and Gym Membership
The National Institutes of Health National Institute on Aging (NIA) recommends that older adults try to get at least 30 minutes of moderate-intensity endurance exercise most days of the week for optimal health. Many people find that gym memberships are a... Read more
Does Medicare Cover Remeron?
If you have Original Medicare (Part A and Part B), treatment with Remeron is generally not covered, unless you are also enrolled in a stand-alone Medicare Prescription Drug Plan or a Medicare Advantage Prescription Drug plan. If you are under a doctor's care... Read more
Does Medicare Cover Blood Pressure Monitors?
If you have high blood pressure, your doctor may recommend using blood pressure monitors at home to track your blood pressure and response to medication. Unfortunately, except in very limited situations, Medicare does not cover blood pressure monitors for... Read more
Does Medicare Cover Microzide?
Generally, if your doctor prescribes Microzide to treat your high blood pressure (also called hypertension), Medicare won't cover your medication outside of certain situations (described below). However, if you have a stand-alone Medicare Part D Prescription... Read more
HIV and AIDS Treatment Options
Although people sometimes use HIV and AIDS interchangeably, the two terms refer to different things. According to the government website aids.gov, HIV (which stands for human immunodeficiency virus) is a virus that can cause the disease AIDS (which stands... Read more
Does Medicare Cover Home Health Aides?
Are you enrolled in the Medicare program? In some cases, Medicare may help you pay for the services of home health aides. Typically this coverage is limited, part-time, and short-term. Whether you get your Medicare benefits directly through the federal... Read more
The Challenges of Living with Incontinence
What is incontinence? According to the National Institutes of Health (NIH), the definition of incontinence is the accidental leakage of urine or losing bladder control. Incontinence is a common problem, especially as people age. Knowing that, however,... Read more
Pathways to Effective Communication for Health-Care Providers and Caregivers
As a caregiver, effective communication between you and your loved one's health care team is essential. Doctors rely on you to give them important clues and information about their patient's status and home situation, and you rely on them for the... Read more
Is My Doctor Covered by Medicare?
You may have concerns about finding a Medicare-approved doctor so you can maximize coverage, get help filing claims, and reduce your out-of-pocket expenses. Medicare Part B (medical insurance) covers medically-necessary services or covered preventive tests... Read more
Health Tips for Caregivers
According to a 2015 caregiver survey by the AARP Public Policy Institute and the National Alliance for Caregiving (NAC), 22% of caregivers reported declining health as a result of caring for a loved one, and nearly half reported high levels of emotional... Read more
What are the Treatment Options for Amyotrophic Lateral Sclerosis (ALS)?
According to the National Institute of Neurological Disorders and Stroke (NINDS), amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig's disease, is a progressive motor neuron disease that causes nerve cells to break down and die over time. These... Read more
Does Medicare Cover Smoking Cessation Treatments?
According to the Centers for Disease Control and Prevention (CDC), people who stop smoking greatly reduce their risk for smoking-related diseases and early death. Smoking cessation is beneficial at any age, according to the CDC. Medicare will cover up to... Read more
What is Cardiovascular Disease?
It’s important to know what cardiovascular disease is so you can know your risk. Cardiovascular disease is a term given to a number of medical conditions affecting the heart and blood vessels. Cardiovascular disease, or heart disease, is the leading cause... Read more
What Is Zostavax?
Zostavax is the brand name of a vaccine used to prevent herpes zoster, also called shingles, in adults ages 50 and older, according to the U.S. Food and Drug Administration (FDA). The National Institutes of Health (NIH) states that this single-dose Zostavax... Read more
Guide to Caregiver Well-Being
In 2015, the American Association of Retired Persons (AARP) Public Policy Institute and the National Alliance for Caregiving released a major report on caregiving and caregiver stress in the United States. For those providing care to a loved one, these... Read more
Does Medicare Cover the PSA Test?
As a Medicare beneficiary, you may be eligible to receive one PSA test, also known as the prostate-specific antigen blood test, which screens for prostate cancer. You can get this test at no cost to you once each year, as long as your doctor accepts Medicare... Read more
What Does Inpatient Versus Outpatient Mean for Medicare?
From your perspective as a patient, the terms "inpatient" versus "outpatient," or even "under observation," may not matter very much regarding your care. But if you're covered by Medicare, the terms matter a lot. Under Original Medicare (Part A and Part... Read more
Does Medicare Cover Tetanus (TDAP) Shots?
If your doctor has recommended that you receive a tetanus, diphtheria, and pertussis (TDAP) shot and you are a Medicare beneficiary, your vaccination may be covered if you are enrolled in a Medicare plan with prescription drug benefits. The Part B program... Read more
How Can I Find Out if My Prescription Drugs Are Covered by My UnitedHealthcare Plan?
UnitedHealthcare (UHC) is a private insurance company contracted with Medicare to provide prescription drug coverage in certain UnitedHealthcare Medicare Advantage plans and UnitedHealthcare Medicare Part D Prescription Drug Plans. If you are enrolled in a... Read more
How to Appoint a Personal Representative for Your WellCare Medicare Plan
You have rights about the care and treatment you receive under the Medicare program. If you are enrolled in a WellCare Medicare Advantage plan or a stand-alone WellCare Medicare Part D Prescription Drug Plan, your rights include (but aren't limited... Read more
Are My Prescription Drugs Covered by My Coventry Plan?
If you're a Medicare beneficiary who needs prescription drug coverage, it's important to make sure that the plan you enroll in covers your current medications, or your costs could be much higher. If you're currently enrolled in a Coventry Medicare Advantage... Read more
What Medicare Supplement Plans Does Humana Offer?
Many Original Medicare beneficiaries enroll in Medicare Supplement policies, also called Medigap plans, to help cover certain medical expenses not covered by Original Medicare. Depending on the specific policy, these plans can offer more predictability in... Read more
How to Appoint a Personal Representative for Your Aetna Medicare Plan
Whether you have a Medicare Advantage plan or a Medicare Prescription Drug Plan from Aetna, or from any insurance company that contracts with Medicare, you have certain rights guaranteed to everyone who participates in the Medicare program. For example, you... Read more
Do Aetna Medicare Plans Cover Routine Vision Services?
If you're enrolled in Medicare or approaching Medicare eligibility, you may have alternative options for receiving your Original Medicare (Part A and Part B) benefits. Aetna is one of the private health insurance companies that contracts with Medicare to... Read more
Does Medicare Cover Flomax?
If your doctor has prescribed Flomax, or the Flomax generic equivalent, tamsulosin, you might wonder whether Medicare covers it. According to the Food and Drug Administration, Flomax is used to treat enlarged prostates in men. Flomax is in a class of... Read more
What You Can Do on MyMedicare.gov
If you're a Medicare beneficiary or soon to become one, you may be interested in visiting the MyMedicare.gov web site. Sponsored by the Centers for Medicare & Medicaid Services (CMS), MyMedicare.gov provides a wealth of information and online tools... Read more
Medigap Coverage of Pre-Existing Conditions
People often ask me when the best time is to enroll in a Medicare Supplement (Medigap) policy. My answer is always the same: If you want the most plans available to you and especially if you have health issues, you should join a plan when you're first... Read more
The Many Features of the Medicare Blue Button
Medicare's Blue Button is an online tool you can use to access your health information securely. You can decide to share that information with your doctors, loved ones, or anyone else of your choosing. It's available on the MyMedicare.gov site, which helps... Read more
Getting Medicare When You’re Married
You're generally eligible for Original Medicare (Part A and Part B) when you turn 65 or receive disability benefits, whether or not you're married. If you're married and haven't worked in a paying job or didn't work enough quarters, you may still qualify for... Read more
Does Medicare Cover Protonix?
What is Protonix? Protonix or its generic form Pantoprazole may be prescribed to treat acid reflux or other stomach or esophagus problems. According to the FDA, Protonix is part of a class of drugs called proton pump inhibitors. Does Medicare Part A cover... Read more
Does Medicare Cover Gynecology?
Gynecology, often grouped with obstetrics, is a branch of medicine that specializes in the diagnosis and treatment of diseases of the female reproductive organs, according to the National Cancer Institute. Gynecology also specializes in other women’s health... Read more
Does Medicare Cover My Sleep Apnea Equipment and CPAP Machine?
Sleep apnea might be your diagnosis if you momentarily stop breathing while you sleep -- sometimes many times per night, according to the U.S. Food and Drug Administration. If you have Medicare and you’re diagnosed with obstructive sleep apnea, you... Read more
Does Medicare Cover Walk-In Bathtubs?
Some seniors and disabled people get walk-in bathtubs installed in their homes. Walk-in bathtubs may make access to the tub or shower easier, and may prevent falls, notes the Consumer Affairs website. What is a walk-in bathtub? A walk-in bathtub has a door... Read more
Will Medicare Part D Plans Cover the Cost of Synthroid?
Synthroid (its generic name is Levothyroxine), is usually prescribed for patients who have an underactive thyroid, according to the Food and Drug Administration (FDA). The synthetic T4 in Synthroid is identical to that produced by the human thyroid gland,... Read more
Does Medicare Cover Cozaar?
Did your doctor prescribe Cozaar for you (or the Cozaar generic, losartan)? Let's talk about Medicare coverage of this prescription. What is Cozaar? Cozaar (generic name losartan) is a high blood pressure medication available by prescription. According... Read more
Medicare Coverage of Physical Therapy
One of the questions beneficiaries ask is whether Medicare covers physical therapy. You may have heard about the Medicare physical therapy "cap." Medicare Part B helps pay for medically necessary services, generally up to a certain limit or cap as described... Read more
Does Medicare Cover Aldactone?
What is Aldactone? Doctors may prescribe Aldactone to help treat people with hyperaldosteronism, reports the National Institutes of Health’s Medline Plus website. This is the name for a condition where the body produces too much of a hormone called... Read more
Does Medicare pay for Chiropractic Exams?
Original Medicare offers limited coverage for chiropractic services, such as chiropractic exams. You may need to pay the full cost of any X-rays, lab tests, or other services ordered by a chiropractor. Does Medicare pay for chiropractic exams Medicare... Read more
Medicare and Dual Residency
Are you a Medicare beneficiary who lives in two states? Original Medicare, Part A and Part B, is not restricted by a service network. If you’re a dual resident of two states, this type of Medicare insurance will provide coverage wherever you choose to live... Read more
Medicare in the District of Columbia
District of Columbia residents may have several choices when it comes to their Medicare coverage. You may opt to get your Medicare benefits through the federal arm of the program, called Original Medicare, Part A and Part B, or you may enroll in a Medicare... Read more
Medicare in Hawaii
Are you shopping for Medicare in Hawaii? You may want to consider all of the options first. Let Medicare.com be your resource for facts about Medicare coverage while offering the use of our plan comparison tool to examine plan details and pricing... Read more
Medicare in Michigan
It’s a good idea to consider all of your Medicare plan options in Michigan before choosing a plan. Medicare.com can be your resource throughout your search for a plan that covers all of your needs, offering use of our plan comparison tool to help you... Read more
Medicare in South Carolina
Medicare beneficiaries in South Carolina may have choices when it comes to Medicare coverage. You may receive your benefits through Original Medicare, Part A and Part B, and add to that coverage with certain optional plans described below. Or you can get all... Read more
Guide to Medicare Preventive Services and Screenings
As a result of the Affordable Care Act, also known as health reform, the government now covers a variety of Medicare preventive services and screenings for individuals enrolled in Medicare Part B. Often, these benefits are covered at no cost to the... Read more
Customer reviews of Verna
Verna was very knowledgeable, friendly and professional. She could answer all my questions and gave me the information I needed to make my decision about what insurance plan was best for me.
Anonymous, Kaysville, UT
Both my husband and I felt that Verna D. did an excellent job explaining our options. She listened carefully to our concerns and responded accordingly. I have recommended eHealth and Verna D. to several friends already.
Anonymous, Green Cove Springs, FL
I understand signing up for Medicare for the first time is very time consuming. I was able to take that time and felt very comfortable. I was never felt rushed or pressured.
Anonymous, Dade City, FL
Considering my lack of knowledge about prescription drug plans, she was most helpful.
Female, 75, Kerrville, TX
Was cut off and never recontacted
Male, 74, Story, WY
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