Albert Ojeda, Medicare Insurance Broker
Albert Ojeda
Ojeda Insurance Services
Bilingual English & Español
Medicare Broker Licensed in CA, AZ, FL, NV, OH, TX and WA
14+ Years of Experience
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Serving
Canyon Country, CA
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About Me
With over 14 years of experience in the Medicare insurance industry, Albert Ojeda is dedicated to helping seniors navigate the complexities of Medicare with personalized guidance and expertise. Passionate about serving the senior community, he takes pride in finding the best insurance solutions that meet each client’s unique needs. Whether it's exploring coverage options, maximizing benefits, or simplifying the enrollment process, Albert is committed to ensuring that seniors receive the care and protection they deserve for their health and financial well-being.
My Google Reviews
81 Total Reviews (5.0 )
October 20, 2026
Albert is very kind, helpful and knowledgeable. If you need help with Medicare choices, I highly recommend him.
October 17, 2026
I received absolutely outstanding service today! Albert was incredibly kind, patient, and thorough from start to finish. He took the time to go over all the information clearly and ensured every single detail was covered without making me feel rushed. I am so grateful for his exceptional support and overall great service.
October 17, 2026
I just finished up my phone meeting with Albert Ojeda. He was so knowledgeable about the process of Medicare enrollment. Everything from medications to extra benefits the plan included. Mr. Ojeda made it easy and stress free. He answered all of my questions. I feel 100% comfortable referring him to family and friends. Give him a call.
October 16, 2026
Albert Ojeda is an excellent person. As a health insurance agent, he helped me find the most suitable health insurance plan that met my requirements. He is very patient, taking the time to answer all my questions about my case, and he is also very professional. Thank you, Albert.
October 13, 2026
Albert was very kind, patient and knowledgeable; he explained everything very clearly and answered all of our questions. He’s a pleasure to do business with!
Q&A with Albert Ojeda
Does Medicare Advantage cover acupuncture or alternative therapies in some plans?
Answer: Yes. Some Medicare Advantage plans may cover acupuncture and certain alternative or complementary therapies, but coverage varies by insurer and plan.
Original Medicare generally only covers acupuncture for chronic low back pain under limited conditions. It does not typically cover services such as massage therapy, naturopathy, or chiropractic care beyond medically necessary spinal manipulation.
How much do agents charge to help clients enroll?
Answer: Agents are not allowed to charge Medicare beneficiaries for our services. We are compensated directly by the insurance companies.
What's the key difference in how Medicare Advantage and Medigap handle out-of-network providers?
Answer: The main difference is that Medicare Advantage plans usually have provider networks, so if you see a doctor outside the network, your care may not be covered at all (especially with an HMO) or you may have to pay more (with a PPO). In contrast, Medigaps work with Original Medicare and have no networks, so you can see any doctor in the U.S. who accepts Medicare, and your supplement plan helps pay your share of the costs.
If I’m in a Medicare Advantage plan, will I still need prior authorization for procedures next year?
Answer: You will likely still need prior authorization for many procedures next year (2026) and possibly in the years ahead if you’re enrolled in a Medicare Advantage plan. MA plans almost always require prior authorization for certain services before they’ll agree to cover them (especially higher-cost items like hospital stays, chemotherapy, durable medical equipment, etc.). This requirement will continue into 2026 and likely future years because Medicare Advantage insurers use prior authorization as a tool to manage costs and utilization. Starting in 2026, new federal rules are meant to make prior authorization easier by setting firm deadlines for insurer decisions and requiring clearer explanations when coverage is denied.
Is occupational therapy covered by Medicare Advantage with UnitedHealth?
Answer: Yes, occupational therapy is generally covered by Medicare Advantage plans offered through UnitedHealthCare (UnitedHealth) as long as it’s medically necessary, similar to how Original Medicare Part B covers it. Medicare Advantage plans, including those from UnitedHealth, are required by law to cover at least the same services that Original Medicare covers. Occupational therapy falls under that requirement.
If we choose a Medicare Advantage plan and later regret it, can we go back to Original Medicare without penalties?
Answer: Yes, you can return to Original Medicare from a Medicare Advantage plan without any penalties during the Annual Enrollment Period (Oct. 15–Dec. 7) or the Medicare Advantage Open Enrollment Period (Jan. 1–Mar. 31). However, you must enroll in a standalone Part D drug plan within 63 days to avoid late penalties.
What are the reasons why I should work with a Medicare agent?
Answer: Working with a Medicare agent can help simplify a complex and often confusing process. A licensed Medicare agent can explain your coverage options, compare plans from multiple insurers, help you avoid costly mistakes, and ensure you choose a plan that fits your healthcare needs and budget.