Adam Morillo, Medicare Insurance Broker
Adam Morillo
American Guardian Insurance
Medicare Broker Licensed in FL, AR, CO, CT, DE, IA, MD, MI, MO, NC, NJ, NY, OH, TX and VA
Contact Details
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Location
Clearwater, FL
Adam Can Help With:
About Me
A dedicated 7-year Army veteran with over 5 years of experience helping individuals and families navigate the complexities of the health insurance market. With a deep passion for service, I take pride in guiding others to find the best insurance solutions tailored to their unique needs. When I’m not working to make a difference, I enjoy spending quality time with my 7-year-old son, fishing by the water’s edge, and exploring new places through travel. My commitment to helping others extends beyond my professional life, as I strive to make a positive impact wherever I go.
Q&A with Adam Morillo
Answer: I love helping other navigate the complexity of Medicare and all their options, let's face it any type insurance can be overwhelming. I know i would appreciate someone unbiased and looking out for my best interest to help me out.
Answer: That's a loaded question, but in simple terms. Doctors do not like Medicare Advantage plans for the for the following; prior authorizations, delay in care, lower and delayed reimbursements, increased administrated burden, and less flexibility in treatment decisions just to name a few.
Answer: Very good question, it all depends which way you go for coverage between Original Medicare and Supplement vs Medicare Advantage. It's best to talk to a licensed agent for a Medicare 101 talk.
Answer: If you are on Original Medicare it's best to have a Medicare Part D plan to avoid any penalties and also to cover any medications you may have that are not under Medicare Part B.
Answer: If you can not afford the Medicare premiums you have a few options, you can apply for a Medicare savings program, you can also look into a Medicare Advantage plan that can help with the Medicare premiums.
Answer: Great question! Typically you can enroll into Medicare Part A at no premium and postpone Medicare Part B if you have creditable insurance through your employer. Or you can enroll into Medicare and continue working. It's always best to compare your employer plan vs Medicare and see which one would best suit your needs. You would be surprised most are seeing better coverage and lower premiums on the Medicare side.
Answer: Generally you will see less out of pocket for major medications now that they have implemented the $2,000 max out of pocket. Now you can have peace of mind with a more predictable annual maximum.
Answer: It can be a common problem since you have to stay in network of that plan. You can always search for providers within the carrier's portal or you can switch plans, and even purchase a stand alone dental plan to help cover your dental needs better.
Answer: It's always best to contact a local licensed agent in your area, make sure they represent multiple carriers to ensure they are looking out for your best interest.
Answer: You can most certainly do that, but then you would only be getting answers and plans from that specific carrier. If you talk to an individual agent that represents multiple carriers you can look at all the plans available with them and make sure you are choosing the best plan for you!
Answer: Most agents can search the Medicare Advantage provider networks and ensure they are accepted, but it's always best to review if with an agent to ensure she is making the best choice for her. Everyone's needs are different!
Answer: Great question, yes Medicare Advantage plans are required to cover everything that Original Medicare Part A and Part B covers including medically necessary home health care. Prior authorization may be required by your Medicare Advantage plan.
Answer: Great question, Medicare is already partially privatized, and while a complete privatization could happen, it’s far from guaranteed.