Alma Preciado, Medicare Insurance Agent
Alma Preciado
United For Health Insurance Agency
Bilingual English & Español
Medicare Agent Licensed in CA
18+ Years of Experience
Contact Details
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Serving
Norwalk, CA
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Phone
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Website
Alma Can Help With:
About Me
Hey there, my name is Alma, 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!
Q&A with Alma Preciado
Can I get a Medigap plan with Guaranteed Issue if I'm losing my employer coverage?
Answer: Yes you can apply for a Medigap also known as a Supplement Plan with Guaranteed Issue if you are losing your employer coverage. There is no need for underwriting or health question when you fall under the guarantee issue
I'm at high risk for heart disease based on my family history. What additional preventive services might Medicare cover for someone with my risk factors?
Answer: Medicare covers preventative services like colonoscopy, mammographs and many other diagnostic tests including cardiograms.
What's the most cost-effective way for a healthy 65-year-old to structure their Medicare coverage?
Answer: The most cost-effective way for a 65 year old is to go over the plans available in their County. By reviewing the Plans benefits and Prescriptions, it will provide a clear understanding of the co-pays, coinsurance and deductibles that need to be paid.
My neighbor says I'm crazy for paying for a Medigap plan when Medicare Advantage is "free." What should I tell him?
Answer: A Medigap plan also known as Supplement gives a person the liberty of going to any Primary Care Physician, Specialist, or Hospital that accepts Medicare without waiting for an authorization. Although, many Medicare Advantages have no monthly premiums, They are HMO's, which means you will be assigned a Primary Care Physician and must receive a referral and authorization to see a specialist.
What Medicare-related items commonly get missed or misunderstood when doing taxes?
Answer: The deductible, Medicare premiums and related out of pocket expenses may be misunderstood when doing taxes. Many times frequent oversight is failing to include the Medicare premiums
I have multiple medications; how can I ensure my Medicare Part D plan covers them all without breaking the bank?
Answer: Prescription Drug Plans (PDP) have different formularies that have been approved by Medicare. Since, each plan covers different RX drugs, it's best to go to Medicare.gov to add your prescriptions, then after the system will indicate which PDP Plan best fits your individual needs. Another way is to go to the Plans website and check on their Formulary. The formularies are the list of Medications that are covered with the plan. It entails copays, coinsurance and any deductibles
If I need hospice care in the future, can my Medicare plan cover it?
Answer: Yes Medicare Advantage plans are required to cover what Medicare covers, Therefore, Hospice is a covered benefit with Original Medicare and all Medicare Advantage Plans.
I applied for a Medigap plan and got denied because of my health history-how is that even legal when I've paid into Medicare for years?
Answer: Medigap plans also known as Supplement Plans have to go through underwriting unless you fall under certain criteria's that guarantee issue . For example, if your plan is canceling out of your county or loss of employer coverage
Can I be denied for a Medicare Supplement plan?
Answer: Yes, you can get denied unless you have a guaranteed issuance, meaning you can qualify for a Medicare supplement plan if you fall under any of the Special election periods, such as loss of coverage from current employer plan or newly eligible to Medicare
What's the cheapest way to get Medicare coverage if I only need basic hospital care?
Answer: The cheapest way to get Hospital care is to select a Medicare Advantage plan that will cover your hospital stay. Typically, MAPD plans can cover hospitalization with no deductible and no upfront costs. It's important to review what plans are available in your plan area.