Bryan Smith — Medicare Supplement Agent

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Bryan Smith

Medicare Advocates

(801) 597-9794

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If health insurance feels confusing, you’re not alone.

My name is Bryan Smith, and I’ve been helping people navigate their coverage for over 13 years. Whether it’s Medicare, individual plans, or additional protection, I break it down in a way that actually makes sense so you can move forward with confidence.

My goal is to find a plan that fits your needs and budget so you can feel confident in your healthcare decisions.

I take a personalized approach and treat every client like family. Whether you’re new to Medicare or looking to review your options, I’m here to help!

Let’s find the right plan for you—call or email me today!

Products Offered:
Medicare Supplement, Medicare Advantage, Life Insurance, Health Insurance, Final Expense, Dental Plans, Annuities, Long Term Care, Mortgage Protection, Prescription Drug Plans, Short Term Medical, Cancer/Heart/Stroke, Accident Insurance

States Serviced
AL, AR, AZ, CA, CO, FL, HI, IA, ID, IL, IN, KS, KY, MD, MI, MN, MO, MT, NC, NE, NM, NY, OH, OK, OR, SC, TN, TX, UT, VA, WA ,WI, WY, DC, GA, NV, VT

Frequently Asked Questions

It depends on what you value most. Medicare Advantage plans can be very cost-effective upfront, but they come with networks, prior authorizations, and higher out-of-pocket exposure if something major happens. A Medicare Supplement (like Plan G) gives you the most freedom to see any doctor nationwide that accepts Medicare and keeps your costs very predictable. That said, it’s important to understand that Medicare Supplement premiums are rising right now, in many areas 15–22% annually. So while they offer stronger protection, they are becoming more expensive over time. The right choice comes down to whether you prioritize lower upfront cost or long-term predictability and access.

If you don’t have credible coverage (like employer insurance), you can face lifetime penalties. Part B has a permanent monthly penalty, and Part D also has a penalty that never goes away. You may also have to wait for a limited enrollment window, which could leave you without coverage for months. Timing your enrollment correctly is critical.

You can switch, but it’s not always easy. After your initial enrollment window, most states require you to pass medical underwriting to get a supplement. That means your health can impact approval. If you want the long-term security of a supplement, your first enrollment window is your best opportunity to lock it in. Unless you live in a state where the "Birthday Rule" applies where you would have a few other protections based on the type of Birthday rule.

This is happening across the country right now. Insurance companies are under more cost pressure from Medicare, especially with rising medical and prescription drug costs. To manage that, they are reducing extra benefits, tightening networks, and being more selective about where they spend money. The result is fewer added perks and more limitations than in previous years.

Many doctors and health systems are choosing to limit or drop certain Medicare Advantage plans due to lower reimbursement rates, prior authorization requirements, and increased administrative burden. In many cases, they still accept Medicare, just not that specific Advantage plan. This is why it’s important to review your coverage each year and confirm your doctors are still in-network.

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