Alondra Arce, Medicare Insurance Agent
Alondra Arce
Hablo Español
Medicare Agent Licensed in CA, AL, AR, AZ, IA, IL, KY, LA, ME, MI, MS, NC, OH, SC, TX, VA and WV
5+ Years of Experience
Contact Details
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Serving
Hacienda Heights, CA
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Phone
Alondra Can Help With:
About Me
Hello! I'm Alondra, your trusted Medicare agent in the area. My specialty is Medicare, and I'm passionate about helping you select the ideal plan that caters to your individual needs and budget. I'll efficiently sort through plans from reputable national and local companies, saving you time and effort. Best of all, my services are provided at no cost to you. Contact me to discuss your Medicare choices and don't forget to mention that you found me on Medicare Agents Hub!
Q&A with Alondra Arce
So I heard something about Medicare drug costs being capped at $2,000 in 2025. Is that really happening or just talk?
Answer: Yeah, it’s actually happening! Starting in 2025, Medicare’s putting a $2,000 cap on how much people have to pay out of pocket for prescription drugs each year. It’s part of some new changes they passed a while ago to help lower costs for seniors. Pretty big deal, especially for folks who have to take a lot of meds.
How can I estimate my total Medicare costs if I have a chronic condition like diabetes?
Answer: Honestly, if you’ve got something like diabetes, the best way to estimate your Medicare costs is to look at what meds and treatments you need regularly, like insulin, test strips, doctor visits, stuff like that. Then check what’s covered under Part B and Part D. Some plans are better than others depending on what prescriptions you take, so it helps to compare. Medicare’s website actually has a tool where you can plug in your prescriptions and see how much you’d pay with different plans or I can also help you estimate the costs depending on the plans that are available in your area.
I've got Medigap Plan C, and I'm curious if my recent bloodwork is included or if I need to budget for extra costs.
Answer: If you’ve got Medigap Plan C, that’s actually one of the more solid plans. Since it works alongside Original Medicare, most of the time your bloodwork, if it’s medically necessary and ordered by your doctor should be covered by Medicare Part B, and then Plan C usually picks up the leftover costs like the deductible and coinsurance. So chances are, you’re not paying much, if anything. But it’s always good to double-check with your provider just in case something’s considered non-routine.
My pharmacist mentioned the Medicare "donut hole" is going away in 2025. What does that actually mean for me?
Answer: Yeah, the donut hole's going away in 2025, which is great news. Basically, it means there's gonna be a $2,000 cap on how much you have to spend out of pocket for your meds each year under Medicare Part D. After you hit that, you don’t have to pay for your prescriptions for the rest of the year. So no more weird coverage gap where things suddenly got super expensive halfway through the year.
I want to get a shingles vaccine. Will Medicare cover this preventive service?
Answer: Yep, Medicare does cover the shingles vaccine now, finally! If you have a Medicare Part D plan, it should be covered with little to no cost, depending on your plan.
How can I verify if a Medicare Advantage plan's advertised benefits are legit?
Answer: Honestly, the best way is to go straight to the source. I usually check the plan details on Pverify or call the insurance company directly. You can also ask a licensed agent (like me!) to double-check everything for you, some ads make things sound better than they really are, so it’s always good to verify.
I've been on a Part D plan for a while, and I'm wondering why my generic prescriptions suddenly cost more. Did something change?
Answer: There are a few reasons why that could be happening. Sometimes plans update their formularies at the start of the year, which can change how certain drugs are covered, even generics. It’s also possible that your medication moved to a different tier, or that the pharmacy you’re using is no longer a preferred one with your plan, which can raise the cost.