Angel Feliciano, Medicare Insurance Broker
Angel Feliciano
Medicare Broker Licensed in NY, FL and OH
Contact Details
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Location
Auburn, NY
Angel Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Greetings! I'm Angel, 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 Angel Feliciano
What are the reasons why I should work with a Medicare agent?
Answer: Working with a Medicare agent can be beneficial for several reasons:
1. Expert Knowledge: Medicare can be complex, with various plans and options. An agent has the expertise to help you navigate these choices.
2. Personalized Guidance: They can assess your specific health needs and financial situation to recommend the best plan for you.
3. Time-Saving: Researching plans and understanding the details can be time-consuming. An agent can streamline this process and save you effort.
4. Access to Various Plans: Agents often have access to multiple carriers and plans, allowing you to compare options side-by-side.
5. Claims Support: If you encounter issues with claims or billing, an agent can assist you in resolving those problems.
6. Ongoing Suppor: Many agents provide continued support even after you enroll, helping you with any questions or changes that may arise.
7. No Cost to You:Typically, Medicare agents are compensated by insurance companies, so their services are often free for you.
Overall, working with a Medicare agent can simplify the process and ensure that you make informed decisions about your healthcare coverage.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: Medicare Advantage plans are often marketed as "free," but this can be misleading. Here's a breakdown to clarify:
1. **Monthly Premiums**: While some Medicare Advantage plans have low or even $0 monthly premiums, you may still be responsible for other costs, such as copayments, deductibles, and coinsurance.
2. **Medicare Part B Premium**: Even if the Advantage plan itself is free, you still need to pay your Medicare Part B premium, which is typically deducted from your Social Security benefits.
3. **Out-of-Pocket Costs**: Many plans have out-of-pocket expenses that can add up, especially if you require frequent medical care or services.
4. **Network Restrictions**: Many Advantage plans have specific networks of providers, and going out of network can result in higher costs or no coverage at all.
5. **Limitations on Coverage**: While these plans often include additional benefits (like dental or vision), they may not cover everything that traditional Medicare does, which can lead to unexpected costs.
So, while some aspects of Medicare Advantage plans can appear "free," it's essential to carefully review the details and understand all potential costs involved before enrolling. It’s always a good idea to compare plans and consider your healthcare needs.
Why are seniors losing Medicare Advantage plans?
Answer: Seniors may be losing Medicare Advantage plans for several reasons:
1. **Plan Changes**: Insurance companies may change their offerings, leading to discontinuation of certain plans in specific areas. This can force seniors to find new coverage.
2. **Network Changes**: Some Medicare Advantage plans may alter their provider networks, which can result in seniors losing access to their preferred doctors or hospitals.
3. **Cost Increases**: Premiums, deductibles, or out-of-pocket costs may rise, making the plans less affordable for some seniors, prompting them to switch to other options.
4. **Health Needs**: As health conditions change, seniors may find that their current Medicare Advantage plan no longer meets their needs, leading them to seek different coverage.
5. **Enrollment Limitations**: Seniors may miss enrollment periods or be unaware of their options, resulting in a loss of coverage when their current plan is no longer available.
6. **Regulatory Changes**: Changes in Medicare regulations or policies can also impact the availability or structure of Advantage plans, affecting seniors' access to these options.
Ultimately, it’s important for seniors to stay informed about their Medicare options and any changes to their plans to ensure they maintain appropriate healthcare coverage.