Deep knowledge

Brad Miles Insurance focuses on Medicare


Who is Brad Miles?

Wearing colorful Hawaiian shirts  and shorts as his business attire, it's clear that Brad Miles is a man who knows how to hang loose in the Lake City.

He looks like he's on permanent vacation, but things get really interesting when he starts talking about what gets his blood pumping.  If you said the beach, you would be sadly mistaken. The truth is Miles' eyes light up when anyone starts talking about Medicare insurance.

“Medicare is my passion,” says Miles, who owns Brad Miles Insurance in Coeur d'Alene. “I am confident I know more useful information about Medicare than most anyone in the country. There may be a handful of government employees who could enlighten you with some statistics and data analysis, while the information I provide helps folks to make better decisions regarding their Medicare Benefits.”

To prove his knowledge, Miles pulls out several government-issued Medicare booklets and treats them like they're a coveted baseball card collection. He then begins to peruse the pages, stopping at various points.

“See, this is very misleading,” says Miles, pointing to an explanation of what's covered under the various parts of Medicare. “This whole section is really Medicare Part B, which is something you have to pay extra for. The average consumer  who is new to Medicare would believe they're covered under Part A and they're not.”

Miles continues showing incomplete and inconsistent messages throughout the booklets about premiums, prescription drugs and out-of-pocket costs. Then he rummages through his desk and pulls out several sheets of paper that explain what's missing in the booklets.

“You have to know where to look on the web, but they're not easy to find,” Miles says with a chuckle. “It's overwhelming really. You have people running Medicare who think they're doing a great service for citizens by publishing these books. They're not.”

Miles' understanding of how people can legally obtain prescriptions from Canada at much cheaper rates than in the United States is impressive. Miles can help customers navigate the byzantine nature of Medicare with his insurance business, which he launched in 2001.

“I don't sell car insurance or life insurance or annuities,” he says. “I am focused on Medicare and helping people lower their costs and getting the right coverage for their needs. My customers are my friends, neighbors and relatives, and I treat each one as really important clients.”

 Miles has deep roots to the Inland Empire and has the classic local boy done good story.

 He was born at the Lake City General Hospital, which was located in downtown Coeur d'Alene, in 1958, exactly 20 years after his mother was born in Coeur d'Alene. Growing up, his family moved from Moscow to Post Falls to Rathdrum.

After graduating from Lakeland High School, Miles earned a Board of Trustees Scholarship to attend North Idaho College. He walked on the men's basketball team and helped the Cardinals advance to a national tournament. After one year Miles left NIC and joined the Navy. He served aboard the USS Dwight D Eisenhower in the Indian Ocean as a cryptological technician.

His job was to maintain and repair the tape recorders which monitored alleged Russian communication channels.

“I had top secret security clearance,” he said. “But my role was limited in that I never heard what was being said.”

 His Naval experience helped land him a job with Triad Systems Corp., as a computer field engineer, and after eight years he migrated to the sales department for another eight years working out of the Spokane office.

Brad met his future wife, Laurie in 1995, when she was serving as a Major at Fairchild Air Force Base. They fell in love and were married that same year.  Her career took them to Germany where they had their first child, Geena.

Laurie's promotion to Lt Colonel was concurrent with her transfer to Hill Air Force Base in Utah, where their second daughter, Ashley, was born.  Brad enjoyed his years as a stay at home dad until Laurie retired in 2003 and Brad was able to focus full time on his health insurance career, in the Inland Empire.

 “Both of my daughters were born about three months premature,” Miles says. Geena came in at one pound, 10 ounces, and Ashley was a whopping two pounds, 15 ounces.  

“We were extremely fortunate to experience the best health care coverage in the world, thanks to the United States Military,” he says. “We didn't have to pay a penny for their care. It really got me thinking about everyone else and what they were going through. I felt this strong urge to help people.”

Miles served as the 2016/17 president of the Idaho Association of Health Underwriters. He's watching President Trump's proposed changes carefully, noting that nobody really knows what Congress is going to do this summer.

 “I've submitted dozens of changes for the upcoming 2018 Medicare Handbook through Official Medicare channels ,” Miles says. “I am hopeful somebody reads them and implements the changes for next year. It can help every American.”

 --Written by Marc Stewart, Director of Sponsored Content

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Coeur d'Alene, Idaho 83814

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