Frequently Asked Questions

Medicare Questions

What is Medicare and who qualifies for it Medicare is a federal health insurance program for people who are sixty five or older, individuals under sixty five with certain disabilities, and people with End Stage Renal Disease. Most people qualify automatically when they turn sixty five.

What is the difference between Medicare Advantage and Medicare Supplement Medicare Advantage is an all in one alternative to Original Medicare that often includes extra benefits such as dental, vision, hearing, and prescription drugs. Medicare Supplement works alongside Original Medicare and helps pay for out of pocket costs such as copays, coinsurance, and deductibles. The right choice depends on your health needs, budget, and lifestyle.

Do I need a Part D prescription drug plan If you stay on Original Medicare, you will need a Part D plan to receive prescription drug coverage. If you enroll in a Medicare Advantage plan, your prescription coverage is usually included. I help you compare plans so you can choose the one that fits your medications and your budget.

When can I enroll in Medicare You can enroll during your Initial Enrollment Period, which begins three months before your sixty fifth birthday month and ends three months after. You can also make changes during the Annual Enrollment Period each fall or during certain qualifying events.

Does Medicare cover dental, vision, or hearing Original Medicare does not cover routine dental, vision, or hearing services. Many Medicare Advantage plans include these benefits. I can help you compare plans that offer the extra coverage you want.

How do I know which Medicare plan is right for me The best plan depends on your doctors, your medications, your health needs, and your budget. I take the time to review your situation and help you choose a plan that gives you confidence and peace of mind.

 

Individual Health Insurance Questions

What individual health insurance plans are available in California California offers Affordable Care Act plans through Covered California, as well as private non ACA plans. I help you compare options based on your income, household size, and coverage needs.

Can I get financial help for my health insurance Many Californians qualify for premium assistance through Covered California. I can check your eligibility and help you apply for coverage that fits your budget.

 

Small Group Health Insurance Questions

Do you offer health insurance plans for small businesses Yes. I help small businesses find group health insurance plans that support their employees and fit the company budget. This includes medical, dental, and vision options.

How many employees do I need to qualify for a small group plan Most carriers require at least one eligible full time employee who is not the business owner. I can walk you through the requirements and help you set up a plan that works for your team.

 

General Questions

Is there a fee to work with you No. My services are always free. I am paid directly by the insurance carriers, not by my clients.

Why should I work with an agent instead of enrolling on my own I help you compare plans, understand your benefits, avoid common enrollment mistakes, and make confident decisions. You receive personalized guidance at no cost to you.

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