Services
Welcome to the intricate world of health insurance services! As an experienced insurance agent, I specialize in guiding you through the maze of Medicare eligibility and the plethora of healthcare options available to you. Navigating these choices can often feel overwhelming, but that’s where I step in. Together, we’ll explore and understand every option, ensuring that you make the most informed decisions for your health and well-being. Remember, you’re not alone in this journey I am committed to being with you through the entire process, offering support, clarity, and expert advice every step of the way. With my guidance, there’s absolutely no reason to tackle this alone. Let’s embark on this journey together, ensuring your peace of mind and securing the best healthcare coverage that suits your unique needs.
CAL LICENSE #4191872
Helping You Understand Medicare
This takes approximately 30 minutes in which I will go over HOW Medicare works, its coverage and limitations, and it’s many options available to you to help you cover the 20% gap.
Medicare Review
This process takes approximately 15-30 min in which I collect your address, zip code and date of birth. It is preferable to go over your prescription medications to better quote a health plan that specifically covers those formularies. Note: if you do not enroll in a Part D - prescription drug plan, penalties will apply at a later date if you decide you want coverage.
Part C - Medicare Advantage
Medicare Advantage Plans work like an HMO. You work within a network of physicians and hospitals. Referrals are required. These plans are often $0 monthly premium policies and have extra benefits. Some examples of extra benefits these plans offer are: over the counter cards, healthy food, gym memberships, dental, hearing and vision too. These plans also have co-pays, deductibles, coinsurance, and maximum out-of- pockets expenses. Plans vary.
Part D - Prescription Drug Plans
You should enroll when first eligible or within 63 days of losing creditable coverage to avoid a penalty. Prescription plans change ANNUALLY and your prescription medications need to be reviewed every annual enrollment period (Oct 15 - Dec 7) to give you the best coverage possible at the lowest cost possible. An agent will need the exact spelling of each prescription, tablet/capsule, dosage, how many times per day, etc. and your preferred pharmacy to give you the best quote. This is a service my partner and I provide to our clients. Most agents do not do prescription drug reviews due to the fact they are time consuming and there is very little compensation. This is to provide service to our clients and ensure they have the best coverage possible at the lowest cost available to them. For 2023, one plan actually decreased their rates from 2022. However, for some clients even with no change in medication would have seen a greater out-of-pocket cost if they had stayed with the same plan because formularies and copays change. We saved one client from spending an additional $2000 if she had stayed with the same plan in 2023 that she had in 2022.
Part A & B
Part A - Often referred to as Hospital insurance, covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some health care. Part B - Is medical insurance. It covers certain doctors' services, outpatient care, medical supplies, and preventative services. Reviewing these parts is crucial for several reasons. Firstly, it ensures that the coverage meets the evolving healthcare needs of the individual, as medical requirements often change with age or changing health conditions. Secondly, reviewing these plans can also help individuals stay informed about any changes in policy, coverage options, or costs, which can be vital for financial planning and avoiding unexpected expenses. Lastly, regular review helps in maximizing the benefits and minimizing the out-of-pocket costs, ensuring the most effective use of the Medicare program.
Other Options & Perks We Will Discuss
Vision
Savings
Dental
Gym Memberships
Allowances
How do I do it?
I start by listening to what YOU have to say. What are some of your immediate concerns? Tell me what you hope to accomplish with Medicare and let’s see how I can help you achieve those goals or navigate those concerns. It all starts with a conversation about your needs.
#1
Tell me what It Is your looking for In Medicare / Healthcare and Prescription
What exactly are you looking for in Medicare? What coverage do you have to have in order to feel confident in your decision?
Tell me About The Doctors You Currently See & The Specialists You Need To Visit
Together we will and explore all of your options so you get the medical attention you need without emptying your pockets
#2
#3
Have you Ever Tried Telehealth?
Telehealth is the latest addition to patient care that allows you the comfort of your own home while speaking with your Doctor. This is a great way to keep costs low for those follow up visits, saving you time, energy and gas money!
Finally, we will settle on the perfect plan & approach + the bells & whistles
Ensuring your confidence in your decision is my number one goal. I will present you with all the facts, pricing, options and benefits, from there the decision is 100% yours to make. I will never try to push you in any one direction. I am simply here to provide you with the information you need to make an informed decision, the rest is up to you!
#4
Upcoming Q&A Sessions + Medicare Educational Events
Join me for an in person or Online Q&A to answer all your questions and mingle with other people just like you who are reaching out for help in understanding their options. My in person Q&A comes with a light lunch and presentation that will walk you through the reality of Medicare and what it means for you and your loved ones.
Texas
California
Online
The Process
A step by step look at what you can expect from the moment we begin discussions about your healthcare future.
Complete a one-on-one personal review of your health, coverage and prescription needs.
Step by step guide of your coverage options.
Peace of mind about your care and your financial security.
Every year we will do a coverage review to ensure you are still getting what you need from your health insurance
My services cost you $0.00, nothing, nada, zip! I am compensated by the health carriers so you can rest easy knowing everything I do for you, is to help you feel confident about your decision.