Whether you’re turning 65 and shopping for your first Medicare plan or you’re already on Medicare and looking to make a change, I can help. I carry most of the major plans in California so you know you’ll be able to find a plan that’s right for you. I offer Medicare Advantage, Medicare Supplements and Part D prescription drug plans.
You can even run a quote and enroll in a plan from the comfort of your own home. Just click on the “Compare Quotes” button in middle of the screen and you can run quotes and enroll in a plan in your area. You can even check to see if your doctors and prescription medications are offered in each plan.
I realize that finding the right plan can be overwhelming and confusing to many seniors. If you’d like to speak with an agent and get more information just click on the “Contact Us” button at the top of the screen, submit a request and we’ll get back to you right away.
A: Medicare is a federal health insurance program for people who are age 65 and over and for some younger people who receive Social Security disability benefits.
A: Medicare has four parts, each offering a different type of coverage: Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage) and Part D (prescription drug coverage).
A: Medicare is a federal health insurance program for people age 65 and over and younger people who qualify due to disability. Medicaid, a state-run program, provides health coverage for people with low incomes.
A: Original Medicare is a fee-for-service health program. This means you can choose any doctor or hospital that accepts Medicare patients, anywhere in the United States, and Medicare will pay its share of the bill.
A: Plans in the Medicare Advantage program (Part C) are offered as an alternative to Original Medicare and run by private companies.
Q: What is Medigap supplemental insurance (if I’m age 65 or older)?
A: Medigap is private insurance that covers out-of-pocket expenses in the Original Medicare program. (If you are under age 65 and have Medicare due to disability.
Q: Can I get Medigap supplemental insurance if I’m under 65?
A: If you qualify for Medicare under age 65 due to disability, you may find it more difficult to buy Medigap insurance than people 65 and older, but it depends on where you live.
A: You can qualify for Medicare on the basis of either age or disability.
Q: Do I automatically receive Medicare when I turn 65 or become eligible for disability benefits?
A: Some Medicare enrollments are automatic, but many aren’t. It depends on your circumstances.
Q: I turn 65 in a few months. When should I sign up for Medicare?
A: If you have coverage from a current employer (your own or your spouse’s), you can delay enrollment until the job ends. Otherwise, you should sign up shortly before turning 65.
Q: How do I enroll in Medicare?
A: You can apply for Medicare online, by phone or in person, depending on your circumstances.
A: You can apply to the Social Security Administration to replace a Medicare card.
A: Medicare does not cover all your health care costs. It requires you to pay premiums, deductibles and copays, which vary according to the type of Medicare coverage you choose and, in some cases, your income.
Q: I want to be sure I understand the Part D “doughnut hole” or coverage gap. Could you tell me how it works?
A: Originally the doughnut hole, if you fell into it, was a period in which you paid 100 percent of the cost of your prescription drugs. But since 2011 the gap has been narrowing.
Q: Where can I find answers to my Medicare questions?
A: Two government agencies, Social Security and Medicare, are responsible for different aspects of Medicare. The state health insurance assistance programs (SHIPs) provide personal help on Medicare issues.
Q: Can I get help to pay for my prescription drugs if my income is low?
A: Yes. You can apply to the Extra Help program, which provides Medicare Part D prescription drug coverage at low or reduced cost for people with incomes under a certain level.
I am a California based independent insurance agent that specializes in Senior Insurance products which includes: Medicare Advantage, Medicare Supplements and Prescription Drug Plans. I work with most of the major insurance carriers so I can assist my clients in obtaining the appropriate coverage to meet their needs. I’ll shop for plans that low in costs and rich in benefits along with personalized insurance advice aimed at helping my clients to make better informed decisions. There is no cost to you for my services because I am compensated by the insurance companies I represent. If you have any questions or would like to set up a free consultation, just call or send me a message via the contact form and I will get back in touch with you.
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