Angela Ellington, Medicare Insurance Agent
Angela Ellington
HealthMarkets
Medicare Agent Licensed in CA, AZ, FL, GA, ID, NM, NV, OH, OR, TX, VA and WA
Contact Details
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Location
Corona, CA
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Phone
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Website
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Schedule An Appointment
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LinkedIn
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Angela 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 Angela, 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 Angela Ellington
I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?
Answer: I would say the first step is to speak with a knowledgeable broker. Enrolling in Medicare depends on where you are currently receiving your Health Benefits, if you're able to keep them, and if you want to keep them and postpone your Medicare enrollment. If you have an employer sponsored plan, you may be able to keep it until you retire or lose your coverage for any reason. There may be good reasons to keep it based on many factors. There are also good reasons to switch over to Medicare. If you have Marketplace Coverage, you will have to enroll in Medicare if you are entitled to Premium Free Part A. If you are not collecting Social Security Retirement or Disability Benefits, you will need to enroll in Medicare Part A & Part B through SSA.gov as your first step. This step should actually be completed 3 months prior to turning 65 to ensure that you receive your Medicare Card in a timely manner to make your plan selections. If you're turning 65 and already have your Medicare card, I recommend spending some time with a broker who will give you a full education on all of your options and can explain the difference between Medicare Advantage & Medicare Supplements.
My friend gets SilverSneakers with her plan and I don't-how are we both paying for Medicare and getting such different stuff?
Answer: Silver Sneakers is a benefit that comes with some Medicare Advantage Plans and some Medicare Supplement plan. If your friend is enrolled in a different plan than you are, that would explain it!
I've had the same Part D plan for years, but this year my insulin shot up in price. Did the Inflation Reduction Act not fix this yet?
Answer: It's a good idea to review your Part D coverage every year with a Licensed Broker for this reason. Formulary covered insulins are capped at $35, but it's possible that the brand that you use is no longer on your Part D formulary. The Inflation Reduction Act created a $2000 catastrophic limit in 2025, but if your drug is not on the formulary, it won't count toward the calculation, either.
I'm a low-income senior who can't afford my prescription drugs even with Medicare Part D. What specific assistance programs should I apply for?
Answer: The first thing that I recommend is applying for Extra Help through Social Security. If you do not qualify for that program, you may save by using GoodRx or Optum Perks which offer coupons that may be more affordable than using your Part D coverage. I have also referred some of my clients to fill certain prescription from the Canadian Med Store. Lastly, Part D has a catastrophic limit of $2000 in 2025 and they have started a payment plan that's called M3P that's spreads your copays out through the rest of the year in the event that a drug costs more than $600 to fill due to the deductible or coinsurance having a high cost up front.
My doctor wants me to get several preventive screenings. Will Medicare cover all of these at once?
Answer: There is a long list of preventive screenings that are covered by Medicare, including an annual Wellness visit.
Will Medicare Advantage plans start offering more digital health tools like apps by 2030?
Answer: Medicare Advantage plans already use member apps and various digital tools. I'm sure these will improve and there will be more to come in the future!
Why would you not choose a medicare Advantage plan?
Answer: If you can qualify and afford a Medicare Supplement with Part D, you'll have the most freedom & flexibility to choose your providers, with access to any Doctor/Hospital that accepts Medicare in the entire US, with lower out of pocket responsibility than most Medicare Advantage PPO plans. Your authorizations come from Medicare, instead of an insurance company or medical group who will dictate where you can go and what will be covered. When facing a serious health issue, most people wish that they had this type of coverage if they are on Medicare Advantage and unable to purchase a Medicare Supplement plan. Medicare Advantage is not poor coverage, but there are limitations in their networks. They provide very comprehensive benefits, especially for people who prefer an HMO. Many people have adequate coverage on Medicare Advantage at a more affordable price.
How will the Inflation Reduction Act's Medicare drug pricing changes really affect seniors?
Answer: This is going to vary based on needs. For the seniors who used to hit the Coverage Gap, they will see a big savings. For those who do not take any medications, there are still some affordable Part D plans on the market, but the deductibles are higher. For those who are in the Middle Class Income range and used to get their specialty drugs paid for by Manufacturer Discount programs, they are now having to pay for these drugs until they hit their $2000 Catastrophic limit, when they used to get them for free.
What is the biggest disadvantage of the Medicare Advantage plans?
Answer: There are a couple of disadvantages to enrolling in Medicare Advantage. Having to wait for referrals and authorizations are the main issues that my clients run into. Another issue can be paying more to go out of network with PPOs.