Andre Cabral, Medicare Insurance Agent
Andre Cabral
United Healthcare
Medicare Agent Licensed in NJ
Contact Details
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Location
Iselin, NJ
About Me
Greetings! I'm Andre, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Andre Cabral
What's the most important question I should be asking about Medicare that I probably haven't thought of yet?
Answer: You should always ask beforehand "who will make medical decisions as to what is necessary to me: my Doctor or the insurance company?"
Can I keep seeing my current doctors if I switch to a Medicare Advantage plan, or do I have to find new ones?
Answer: A: If your doctors are in the network of your new plan, you just keep them seamlessly. Depending on your new plan, you still can see them and pay a higher co-pay as an out-of-network doctor.
What's one Medicare decision that too many people regret later?
Answer: A: Not having asked for a licensed agent's help, facing such a complex maze by themselves, without proper education, considering the great importance of that step.
My doctor wants me to use a smartphone app for medication management and adherence. Are there any Medicare programs that support this type of digital health solution?
Answer: A: Most carriers offer their own app, which comes with several functions, including drug management, for free to their members.
I'm considering a smartwatch that monitors my heart rhythm for atrial fibrillation. Will Medicare help cover this type of wearable technology?
Answer: Original Medicare does not cover it. Some Medicare Advantage providers used to offer additional benefits that included wearables, however more and more rare nowadays, due to cost containment.
Do Medicare Advantage plans really save seniors money in the long run? Why or why not?
Answer: It depends on your needs. If you frequently see specialists and needs to do exams many times a year, then MedSup may be your best choice. Your monthly cost will be the Part B, the Drug plan and the Med Sup premium.
If you enjoy fairly good health, you can choose a Medicare Advantage plan that covers parts A, B and D (drugs) that costs $0 monthly premium. Your only cost will be whatever SSA charges for your Original Medicare part B costs (generally $185.00/mo)
How do you educate clients who are completely new to Medicare?
Answer: The best way is to schedule a 1-on-1 meeting with a licensed agent, either in person or by phone/video.
What is one of the the most common misconceptions people have about Medicare?
Answer: A: the most common misconceptions people have about Medicare are that Medicare is 100% free and it covers 100% of the cost of services.
I'm healthy and barely use my coverage, but I'm still paying more every year. Why isn't there a discount for people like me?
Answer: As far as Original Medicare Part B, the only way to reduce the monthly premium is to being eligible for L.I.S. (low income subsidy) or for Medicaid. Medicare Advantage covers parts A and B, prescription drugs and some additional benefits at no cost, for certain plans. Consult an agent.
How can I verify if a Medicare Advantage plan's advertised benefits are legit?
Answer: You may call the Carrier's customer service number, but from THEIR website, instead of from a google search, which may be scammer's phone number.
Who can help me figure out this Medicare "maze and alphabet soup" it's so confusing.
Answer: You may consult with a licensed agent. The agent's job is to educate you as to how the Medicare works, what are you dues and your options to get safely and affordably covered.
I have Medicare Advantage with a PPO, and I'm curious if my annual wellness visit is free or if I'll owe something for it.
Answer: The carriers generally provide the annual House Call at no charge to the member. They send a nurse to check your vitals and medicines. The information they obtain helps the carrier provide better services to members.
What's an underrated benefit of Original Medicare that many people overlook?
Answer: It's freedom to choose your health care providers without a referral or prior authorization for procedures, exams, etc, as long as they accept Medicare and the medical needs are covered by the Original Medicare.
What is Guaranteed Issue for Medicare Supplement plans, and when does it apply?
Answer: When you turn 65 and apply for Medicare part B, you have 6 months from the part B effective date to apply for Medicare Supplement . Within this 6 month period your acceptance is guaranteed. Past 6 months you are subject to underwriting process.