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Luis Daza
An Insurance agent helping our senior community since 2008
You May want to review your current Medicare plan Now!!
I know what you feel right now, you got distracted, and some Mickey Mouse insurance "agent" put you in the wrong plan just because it fits THEIR needs and not yours. It happens all the time, unfortunately.
The good news is that you can change that NOW!!
COMMON MISTAKES
Assuming Medicare covers all medical expenses
When you qualify for Medicare, you may receive your Medicare card with part A and part B (if receiving SSI benefits each month). As we already explained previously, Medicare part A covers hospitals, and Medicare part B covers medical.
Now, few things you must be aware of.
Medicare has deductibles for part A and part B, each deductible increases yearly.
After paying a deductible, Medicare covers 80%, and you must cover the other 20% of medical and hospital expenses.
We must pay attention to the Medicare MOOP or maximum out-of-pocket, which is the most you will pay in a year for medical and hospital expenses. Medicare or original Medicare doesn’t have this MOOP. Yes, you heard, no maximum on how much you can spend on medical or hospital bills. The sky is the limit. So, no, Medicare does not cover everything you need once you turn 65 or qualify for Medicare.
Medicare Supplement
A Supplement insurance plan or medigap is a great option to cover most or all of the deductibles, copays and co insurance that Medicare don’t cover. Remember, you still to pay an additional premium to this Medicare Supplement plan. However, keep in mind that this is only a good way to cover those gaps that Medicare don’t cover for the part A and Part B. We still need to cover medications. You need to add a prescription drug plan or PDP for an additional premium of course. As a regular norm, the more you pay in premium upfront each month, the less you have to pay out of your pocket when you use the services or products.
Medicare Advantage
We provide the best Medicare Insurance advise, comparing and analyzing several highly-rated providers. Using our independent agency, you can compare the lowest rates with the best coverage according to your needs and wants from several carriers. There are many different Medicare Insurance companies to choose from; we make it easy to compare all of them side by side.
We can also help you review the rate increase history of each company. And be sure to ask us about any household, spousal or premium discounts that might be available. We also help you to cover the gaps left by Original Medicare plans.
You May want to review your current Medicare plan Now!!
Look, I know what you feel right now, you got distracted, and some Mickey Mouse insurance "agent" put you in the wrong plan just because it fits THEIR needs and not yours. It happens all the time, unfortunately. The good news is that you can change that NOW!!
COMMON MISTAKE
Mistake #1
Assuming Medicare covers all medical expenses
When you qualify for Medicare, you may receive your Medicare card with part A and part B (if receiving SSI benefits each month). As we already explained previously, Medicare part A covers hospitals, and Medicare part B covers medical.
Now, few things you must be aware of.
Medicare has deductibles for part A and part B. each deductible increases yearly. After paying a deductible, Medicare covers 80%, and you must cover the other 20% of medical and hospital expenses.
We must pay attention to the Medicare MOOP or maximum out-of-pocket, which is the most you will pay in a year for medical and hospital expenses. Medicare or original Medicare doesn’t have this MOOP. Yes, you heard, no maximum on how much you can spend on medical or hospital bills. The sky is the limit. So, no, Medicare does not cover everything you need once you turn 65 or qualify for Medicare.
Medicare Supplement
A Supplement insurance plan or medigap is a great option to cover most or all of the deductibles, copays and co insurance that Medicare don’t cover. Remember, you still to pay an additional premium to this Medicare Supplement plan. However, keep in mind that this is only a good way to cover those gaps that Medicare don’t cover for the part A and Part B. We still need to cover medications. You need to add a prescription drug plan or PDP for an additional premium of course. As a regular norm, the more you pay in premium upfront each month, the less you have to pay out of your pocket when you use the services or products.
Medicare Advantage
We offer Medicare supplement insurance plans from several highly-rated providers in Florida. Using our independent agency, you can compare the lowest rates from several carriers online. There are many different Medigap companies to choose from; we make it easy to compare all of them side by side.
We can also help you review the rate increase history of each company. And be sure to ask us about any household, spousal or premium discounts that might be available. We also offer Stand-Alone Part D drug plans to cover your prescriptions and compliment your Medicare supplement coverage.
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Happy Clients
"I'm Glad I spoke with Daza, before I turned 65. Daza helped me to navigate the maze of Medicare"
Jason Silverman
"Luis Daza me ayudo a escoger la mejor opcion para nuestra cobertura de Medicare, no solo para mi, tambien para mi esposo y mi mama. Luis se ha enfocado en ayudar a la comunidad de Tampa durante muchos años.
Jeaninne Perez
"Luis, it's been like a son to me. He helps our local community, not just with his time and friendship but also as an excellent source of resources to the Medicare community in Tampa Bay."
Rosa Quiroz
Happy Clients
"I'm Glad I spoke with Daza, before I turned 65. Daza helped me to navigate the maze of Medicare"
Jason Silverman
"Luis Daza me ayudo a escoger la mejor opcion para mi cobertura de Medicare, no solo para mi, sino para mi esposo y mi mama. Luis ha ayudado mucho a la comunidad local de Tampa bay, especialmente a la comunidad de Medicare o gente de la tercera edad.
Jeaninne Perez
"Luis, it's been like a son to me. He helps our local community, not just with his time and friendship but also as an excellent source of resources to the Medicare community in Tampa Bay."
Rosa Quiroz
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