Anthony Scott, Medicare Insurance Broker
Anthony Scott
Medicare Broker Licensed in CA
Contact Details
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Location
Fontana, CA
Anthony Can Help With:
About Me
As a trusted Medicare, Life Insurance, and Long-Term Care broker, I have dedicated over 12 years to helping individuals and families navigate their insurance options. With a strong commitment to providing personalized, unbiased guidance, I specialize in tailoring solutions that meet the unique needs of each client. Whether you're approaching Medicare eligibility, seeking comprehensive life insurance coverage, or planning for future healthcare needs with long-term care insurance, I’m here to ensure you make informed decisions that protect your health, wealth, and peace of mind.
Throughout my career, I’ve built a reputation for excellence, always putting the needs of my clients first. My goal is to simplify the complexities of insurance and help you understand your options, so you can confidently plan for the future.
Let me guide you through the process, offering expert advice on the best insurance solutions for your specific needs, with a focus on transparency, integrity, and customer care.
Q&A with Anthony Scott
I went to a free Medicare seminar and it felt like a timeshare pitch. Are any of those events actually helpful?
Answer: Yes, they are actually helpful, IF they are conducted in an educational manner. I conduct Medicare T-65(turning 65)Dinners as well as Medicare 101 meetings/events regularly. These meetings are strictly to provide information on how Medicare works and what the options are. These are strictly non sales events!
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: HMOs usually cost less but restrict your choices, while PPOs offer more choices but come at a higher price, especially for out-of-network care.
What are the red flags I should look for when interviewing agents? I want to make sure I'm not just getting sold to but genuinely advised.
Answer: A red flag to look out for would be if they don’t even attempt to do a full needs analysis of the prescriptions you take, your preferred pharmacy, Primary care Physician, specialists, Hospital… and don’t take the time to explain how Medicare works and what your options are.
I'm confused about when I can change my Medicare plan. Can you clarify the different enrollment periods for me?
Answer: I’m going to assume from your question that you currently have Medicare and that it’s a Medicare advantage plan so I’m only going to list the enrollment periods particular to your scenario.
1.) Annual Election Period (AEP) This runs from October 15 through December 7 each year. This is where you can switch your Medicare advantage plan or prescription drug plan and the changes will take affect on January 1 of the next year.
2.) Open enrollment period (OEP) This runs from January 1 through March 31. This is where you’re able to switch to a different Medicare advantage plan then what you had during the previous year or even from the one you just selected during the annual election period. You’re also able at this time to return to original Medicare with or without part D prescription drug plan. Whichever you choose to do, you can only make one change during this period.
3.) Special enrollment period (SEP) if you have a qualifying life event (moving out of a plan area, lose other coverage… among other specified, qualifying life events) you may be able to change plans.