Aaron Fielding, Medicare Insurance Broker
Aaron Fielding
SummitLife Insurance Services
Medicare Broker Licensed in CA, OR and TX
Contact Details
-
Location
Redding, CA
-
Phone
-
Website
-
Schedule An Appointment
-
Facebook
About Me
Hey there, my name is Aaron, and I am your local Medicare advisor and agent. I specialize in Medicare and am devoted to helping you find the best plan that matches your specific needs and financial situation. I will take care of the daunting task of comparing plans from well-known national and local companies for you. Even better, my services are completely free! Contact me today to explore your Medicare options, and be sure to mention that you found me on Medicare Agents Hub!
Directions to My Office
Q&A with Aaron Fielding
How can Medicare Advantage plans have a $0 premium? Where does the money come from?
Answer: Medicare Advantage plans aren’t “free.” The government pays private insurers a fixed amount for every person enrolled, and that money is what the plan uses to run its benefits. Because they’re already getting that funding, some companies choose not to charge an additional monthly premium. Instead, they make up the difference through things like copays, deductibles, and network rules.
An agent asked me to sign a scope of appointment for before we could discuss my Medicare insurance or part D plan. What is an SOA? Is this normal? Are call centers exempt from this practice?
Answer: Hello!
As licensed Insurance Agents/Advisors, it’s our responsibility to make sure you’re fully informed and taken care of. The SOA also protects you by ensuring we only discuss the topics you’ve agreed to—and it protects us by documenting that the meeting was conducted properly.
It’s also important to know that Medicare Part D can carry penalties if enrollment timing isn’t handled correctly. Completing the SOA helps us make sure everything is done the right way and on time.
Can a drug plan drop one of my medications during the middle of the year?
Answer: Yes, but only under specific circumstances. Insurance companies can typically only remove a drug or change its cost-sharing status mid-year if:
*A generic version becomes available
* The FDA deems the drug UNSAFE, or the manufacturer withdraws it
For most other changes, they must wait until the next plan year or provide you with a 30-Day notice and a transition supply.
Feel free to reach out, and we can go over which drug it is that you are referring to, and I will help you get everything figured out.
Aaron Fielding | Contact me.