April Cintron, Medicare Insurance Broker
April Cintron
Medicare Broker Licensed in OH and WV
Contact Details
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Location
Pullman, WV
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Phone
April 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 April, 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 April Cintron
I live in Tennessee, turn 65 in August, and signed up for Medicare Part A only. I have coverage through my wife’s Blue Cross Blue Shield plan, which she’ll keep for about seven more years. Will I owe a penalty now or later if I wait until she retires to get Part B?
Answer: Yes you will. There will be a penalty for signing up for Part B later. It’s always good to get the part B when it is first offered to prevent penalties down the road.
Why does Medicare allow insurance companies to bombard seniors with confusing mail and TV ads?
Answer: It’s part of marketing. It allows the carriers to offer their products to you. Some agents will send out mailers too me being one of them. I only mail out post cards and birthday cards.
If I move to a rural area, how might that limit my Medicare Advantage plan options?
Answer: Depending on your location it may be difficult to get a physician that’s in your network. There are lots of plans to help with that though. So please contact an agent to find out more
I'm on Medigap Plan G, and I'm curious how my upcoming knee replacement surgery will be billed. Does the plan cover it all after my deductible?
Answer: Yes it will cover the total cost after your deductible has been met. One the original Medicare Part B deductible has been met the plan G will pay 100%.
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: Hi, the flexibility between PPO and HMO is the type of healthcare providers and the need for referrals. PPOs allow the beneficiary to see any doctors or specialists in or out of network with needing a referral.
My Advantage plan says I need a referral just to see a dermatologist. I thought PPOs didn't require that - was I wrong?
Answer: Depending on what plan you have, you may need a referral some plans require a referral if I knew more I could help more
I've been diagnosed with prediabetes. What preventive services does Medicare cover to help prevent progression to type 2 diabetes?
Answer: Medicare covers diabetes screenings, medication management, nutrition therapy and physical activity
Can you help me understand Maximum Out-of-Pocket (MOOP) limits in Medicare plans, from your experience as an agent?
Answer: Yes, MOOP limits means that’s the most you will have to pay for the year. For instance: if you have a MOOP of $7500 then once you reach that you shouldn’t have to pay any more. This includes Dr visits, hospital visits and meds.
If this did not answer your question please submit another question and I’ll try to answer it a little better
My doctor wants me to try acupuncture for my back pain. Will Medicare cover any of this?
Answer: Yes part B does cover acupuncture. Depending on the physician and if they take Medicare or the plan you have