San Diego Medicare Broker

A Medicare Insurance Broker Offers More Choices For You

San Diego Medicare Advantage & Supplement Plans

San Diego Medicare Options Range From Component C Advantage Plans To Supplement Space Policies. Which is ideal for you?

Investigating all your San Diego Medicare Options could be a difficult task and also after all the junk mail comes the complication regarding which strategy is ideal for you. Picking the ideal Medicare strategy in San Diego should not be confusing. Here are a couple of selections you have.

Medicare Component A– normally you’ll receive this automatically when you transform 65, whether you’re going to take Medicare or not. WATCH OUT FOR: if you didn’t pay right into Medicare for at least 10 years, you may need to spend for Part A.

Medicare Component B– if you’re currently taking your Social Safety advantages, Part B will certainly be given to you automatically. If you’re not taking benefits yet, you’ll should use by calling your local Social Protection office. WATCH OUT FOR: if you enlist after your 65th birth month, your coverage may be postponed, late registration fines for not signing up, greater costs for high-income earners.

Medicare A & B are taken into consideration “Original Medicare”, which only covers regarding 80% of the prices of any kind of solutions you acquire. You could contribute to this a Supplement Plan and a Prescription Drug plan.

Supplement Medigap Insurance– sold by insurance policy carriers, these strategies cover just what Medicare does not. All strategies are standard, so look for cost. A typical price for a 65 year old has to do with $130 to $140 monthly for Strategy F, which is the most preferred as well as most extensive plan offered in California. WATCH OUT FOR: high valued plans, strategies that don’t cover Part B excess fees.

Prescription Drug Part D (PDP)– Original Medicare does NOT cover drugs, so you’ll need a Part D medication strategy. Presently, the lowest cost strategy available in California is much less than $20 monthly. Keep An Eye Out For: late enrollment charges, plans with deductibles.

Medicare Part C Advantage Program– Registering in a Component C strategy is in lieu of Original Medicare, yet is still considered Medicare protection. Component C strategies in San Diego are normally HMO’s, but we do supply numerous PPO choices. Many Strategies have a $0 Regular monthly Premium as well as include extra rewards like dental insurance policy, transport, health club subscription and vision benefits (differs by strategy). LOOK OUT FOR: Plans with high Max out of Pocket expenses, networks that do not include your key or professionals.

DID YOU KNOW? Concerning 50% of Medicare qualified elders sign up right into a San Diego Medicare Advantage Strategy!

Medicare Broker Basics – Not Just An Agent

The short response is to work with a “broker”, and not just an insurance policy “representative.”

Below’s the long answer:

A simple “insurance coverage representative” can market you a range of products, and a lot of agents out there are reasonably trusted, sincere and also hardworking. Nonetheless, some agents don’t expand their provider offerings as well as stop with simply a handful of service providers (that means less choices they have the ability to reveal you). In addition, some agents work out of a large phone call facility for one specific business, and are unable to supply you details about their competition. Last but not least, a representative that works for one certain company is called a “captive representative” and also could just offer you strategies from that business.

” BROKER” = a lot more alternatives.
Dealing with a Medicare Insurance coverage Broker will certainly broaden your acquiring options, providing you accessibility to strategies as well as plans that might not be offered with most wellness agents. As a broker, I’m devoted to supplying as several plans and items in the San Diego Region area to much better serve my customers. I have access to basically each medicare plan in the county, and I have unique authority to supply added plans you may not discover in other places. Allow me describe:.

All health insurance agents could market you a Medicare Supplement insurance coverage (medi-gap strategy), however not all them could market you all types of San Diego medicare alternatives out there. In order to have the ability to sell you a component C plan (additionally known as an Advantage Plan), they should be authorized to market, certified, and must have passed additional screening by the Centers For Medicare & Medicaid (CMS). The agent must also complete and also pass service provider tests and also training. For that reason, representatives that offer Advantage strategies have much more training, could use more choices, and also are held to higher criteria (by CMS– and the providers).

Additionally, these agents need to complete these trainings, pass these tests as well as participate in these product trainings on a yearly basis. Yearly they should prove they have the expertise, willingness and dedication to use these choices.

For a Free, no obligation Medicare analysis, call me as well as we could speak by phone, without pressure to acquire. I could be gotten to straight at 888-939-7383. Or I could be reached by e-mail at: peterpalmiotto@gmail.com.

San Diego Medicare Plan Options

The short response is to deal with a “broker”, as well as not just an insurance policy “representative.”.

Here’s the lengthy response:.

A simple “insurance agent” could market you a variety of products, and also many representatives out there are reasonably dependable, truthful as well as hardworking. However, some agents don’t broaden their service provider offerings and also quit with just a handful of providers (that means much less options they have the ability to reveal you). In addition, some representatives work out of a huge telephone call facility for one certain business, and also are incapable to offer you information regarding their competition. Lastly, an agent that helps one particular company is called a “restricted representative” and also could just sell you plans from that a person company.

” BROKER” = a lot more choices.
Collaborating with a Medicare Insurance coverage Broker will expand your buying options, offering you accessibility to strategies as well as plans that could not be offered with many wellness representatives. As a broker, I’m committed to providing as many plans and items in the San Diego County area to much better serve my clients. I have access to practically each and every single medicare strategy in the county, and I have unique authority to provide extra strategies you may not find somewhere else. Allow me explain:.

All health insurance agents can sell you a Medicare Supplement insurance plan (medi-gap strategy), yet not all of them can market you all types of San Diego medicare options out there. In order to have the ability to market you a part C strategy (also known as an Advantage Plan), they need to be accredited to market, licensed, and also have to have passed extra testing by the Centers For Medicare & Medicaid (CMS). The agent should likewise complete and also pass service provider tests as well as training. For that reason, agents that offer Advantage plans have extra training, could supply more alternatives, as well as are held to greater standards (by CMS– as well as the carriers).

In addition, these representatives have to finish these trainings, pass these tests and also participate in these item trainings on an annual basis. Each year they must verify they have the expertise, readiness and also commitment to provide these options.

For a Free, no commitment Medicare analysis, call me as well as we could speak by phone, without any pressure to buy. I could be gotten to directly at 888-939-7383. Or I might be gotten to by e-mail at: peterpalmiotto@gmail.com.

Free Medicare Presentation

medicare presentation

Save Yourself From The “Medicare Research Headache” With A Free Medicare Presentation

Give me 20 minutes and I’ll solve your medicare problems. Medicare eligible seniors have a daunting task, figuring out which insurance plan gives them the most benefits at the lowest cost and is accepted by their providers.

Is a medicare supplement plan F the best choice for me? What about buying a Part C Advantage plan?  Do I really need Prescription Drug coverage and how much should I be paying? How does all this work?

All great questions, all have a complex answer (especially when you’re trying to answer these on your own!).

STOP BANGING YOUR HEAD AGAINST THE WALL

Call Me Today For A Free Medicare Presentation: 888-939-7383

I travel throughout San Diego county teaching medicare eligible clients the “ins and outs” of this extremely complicated health care system.  Make the wrong choice and spend potentially $1,000’s more each year than needed, or risk losing out on benefits that you deserve.  There’s no reason to go at it alone.  My informative 20 minute presentation will open your eyes about the choices you have with your health insurance, and will provide you with “plain English” explanations about how Medicare works. I can meet you in your home, or at a local diner or coffee shop.

I’M FULL SERVICE AT NO CHARGE – HOW IS THIS POSSIBLE?

I’m an independent medicare insurance broker, therefore, I work for myself, and not some large company.  I have access to virtually every plan in San Diego county and my compensation comes from them, not you.  And since all rates are fixed by law, you won’t find a cheaper price from my competitor – regardless of who they work for. As your medicare broker I will:

  • Work for YOU…not the insurance carriers
  • Check all your doctors for network compatibility (to establish available plans)
  • Verify your prescriptions are covered and all costs for fulfillment
  • Bring all represented plan brochures to our meeting for review
  • Present all options for you to select from
  • Verify your eligibility
  • Cover all government required information in my “Medicare 101” presentation
  • Fill out all required paperwork
  • Supply you with copies of all signed documents
  • Submit the applications to the carriers for immediate processing
  • Follow up on any insurance company requirements for completing enrollment
  • Remain in touch throughout the year to answer any plan questions or concerns

If you’re entering medicare for the first time, looking for a change in service, trying to reduce your costs, or simply want all your available options laid out for you, please contact me to discuss your needs by phone at 888-939-7383.

My Medicare Presentation is free, informative and only takes a few minutes.

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Selecting The Right Kind Of Medicare Insurance Agent

Selecting the right KIND of insurance agent may save you $100’s each year.

find a medicare broker

So what kind of medicare insurance agent should you be looking for? 

The short answer is to work with a “broker”, and not just an insurance “agent.”

Here’s the long answer:

A simple “insurance agent” can sell you a variety of products, and most agents out there are relatively reliable, honest and hardworking.   However, some agents don’t expand their carrier offerings and stop with just a handful of carriers (that means less choices they are able to show you). Additionally, some agents work out of a large call center for one specific company, and are unable to provide you information about their competition.  Lastly, an agent that works for one specific company is called a “captive agent” and can only sell you plans from that one company.

“BROKER” = more options

Working with a Medicare Insurance Broker will expand your buying options, giving you access to plans and policies that may not be available with most health agents. As a broker, I’m committed to offering as many plans and products in the San Diego County area to better serve my clients.  I have access to virtually every single medicare plan in the county, and I have special authority to offer additional plans you may not find elsewhere.  Let me explain:

All health insurance agents can sell you a Medicare Supplement insurance policy (medi-gap plan), but not all of them can sell you all types of San Diego medicare options out there.  In order to be able to sell you a part C plan (also known as an Advantage Plan), they must be authorized to sell, certified, and must have passed extra testing by the Centers For Medicare & Medicaid (CMS).  The agent must also complete and pass carrier tests and training. Therefore, agents that sell Advantage plans have more training, can offer more options, and are held to higher standards (by CMS – and the carriers).

Additionally, these agents must complete these trainings, pass these tests and attend these product trainings on an annual basis.  Every year they must prove they have the knowledge, willingness and commitment to offer these options.

For a Free, no obligation Medicare assessment, call me and we can speak by phone, with no pressure to buy.  I can be reached directly at 888-939-7383.  Or I may be reached by email at:  peterpalmiotto@gmail.com

medicare card san diego

 Not all insurance agents are brokers. Selecting a Medicare Insurance Broker can save you time, money and give you the most options when selecting your coverage.

(888)939-7383

Medicare Plans In San Diego

More Choices From A Licensed Broker Means Lower Costs & More Benefits.

Choosing a Medicare insurance plan in the San Diego county area can be quite confusing. Outside of all the details in any given plan, are the plans themselves. With dozens of different companies offering several plans each, the choices are very abundant.

But which is the best plan choice for you?  It depends on several factors such as:

  • Lifestyle
  • Budget
  • Health history
  • Current Prescriptions
  • Current health requirements
  • What insurance your doctors accept
  • Zip code (zoned properly? close proximity to providers?)
  • Optional Supplemental Benefits (OSB) offered by various plans
  • Discounts offered by the plans

As you can see, the answer is never simple.  If any insurance agent states that a plan is “the best” or the “top choice” prior to reviewing all of the above criteria, move with extreme caution, they may not have your best interests in mind, or may only offer a few plans.

Here are a few Medicare Advantage Plan Insurance Companies In San Diego County:

Aetna

Anthem Blue Cross

Blue Shield

Care1st

Easy Choice

Health Net

Humana

SCAN

United Health Care (Secure Horizons)

You can also search for all Medicare Insurance Plans in California by visiting Medicare.gov, however, I’m happy to show you the same results in person, handle all the paperwork and submit all the applications for you to ensure timely processing and accuracy.

I am authorized to market and enroll medicare eligible clients in the plans above, along with other Supplement-only insurance companies in California such as:

  • Sentinel
  • Gerber
  • Stonebridge (a Transamerica company)
  • United American
  • Central
  • Mutual of Omaha

Find Out Which Plan Works Best For You

For a free detailed Medicare review, call Peter at 888-939-7383.

San Diego Medicare Broker

 

San Diego Medicare Broker © 2014: Peter Palmiotto CA License #0H48491 - 888-939-7383