Austin Boyd, Medicare Insurance Agent
Austin Boyd
Boyd Insurance Solutions
Medicare Agent Licensed in CA, AZ, ID, NV, OR and SC
10+ Years of Experience
Contact Details
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Location
Roseville, CA
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Phone
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Website
Austin Can Help With:
About Me
Your health should be your number one priority. Don’t compromise with mediocre insurance plans! At Boyd Insurance Solutions we'll take an in-depth look at your needs, provide the insurance plan that best fits and make sure you obtain comprehensive coverage by tailoring the right Medicare Health coverage designed with you in mind!
My Google Reviews
22 Total Reviews (5.0 )
November 3, 2025
5 STAR EXCELLENT !
October 7, 2025
My husband and I have worked with Austin for several years and always receive stellar performance. Austin is quick, very knowledgeable, and really cares about your insurance coverage's, helps you navigate the changes if you have to switch insurances with ease, we really appreciate what an excellent insurance agent he is.
May 28, 2025
December 2, 2024
Austin answered all e-mails quickly. He is on top of all the rules for Part D for next year. It was a pleasure working with him.
November 17, 2024
Austin is one of the best agent/brokers we have ever worked with. He is diligent, conscientious, and strives to provide the best plans that meet our individual needs and budgets...Austin is great!
Q&A with Austin Boyd
Is Original Medicare or Medicare Advantage better? Why do you recommend one over the other?
Answer: Option 1: Original Medicare with a Medicare Supplement (Medigap plan)
Pros:
- nationwide coverage
- anywhere that accepts Medicare accepts it
- no referrals needed
Cons:
- rates can go up yearly for Medigap
- they don't include extra benefits like dental, vision, and prescription
Option 2: Medicare Advantage
Pros:
- very affordable
- include benefits like dental, vision, and prescription
Cons:
- once you switch, you have to answer medical questions if you ever want to go to a Medicare Supplement (after a 1 year trial)
- they are made up of networks where you have to stay in the area for care (unless a PPO, but costs can be higher)
- you need a referral to see specialists if an HMO
I wouldn't recommend one over the other. Each option works better for each person depending on circumstances.
I signed up for part A. I'm still on my husband's insurance so I didn't sign up for part B. is there a form I need to fill out stating I'm still on my husbands insurance?
Answer: No, there is no need to fill out a form. However, I recommend letting your group coverage know that you will be starting on Part A.
Later, once you come off your husbands group coverage, then you would sign up for Part B with a Special Enrollment Period (SEP), and state that you have been covered under a group insurance.
I chose Original Medicare to keep my doctors, but now I'm drowning in bills. Should I have gone with Advantage instead?
Answer: The two best options are:
1. Original Medicare with a Medicare supplement (medigap) plan to assist with the out of pockets in Medicare. You still have the freedom like you do with Medicare only, but with added coverage.
2. Medicare Advantage plan and making sure that your doctors / prescriptions are covered by the plan.
I’m overwhelmed by conflicting advice on when to claim Social Security. Should I take it early at 62, wait for full retirement age, or delay until 70?
Answer: Yes it can be! I would recommend speaking with your accountant. They’ll be able to advise you on when the best time will be.
What are the reasons why I should work with a Medicare agent?
Answer: 1. They know the business and can give you insight as to what companies / plans will be the best fit.
2. It won’t cost you any extra out of pocket to have an agent since Medicare agents aren’t allowed to charge fees.
3. When you run into issues with your plan, they can assist.
4. As rates and plans change from year to year, they can shop the newest options to make sure you’re not overpaying.
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: Generally, a PPO will offer you more flexibility than an HMO.
PPO - you have a network of providers. However, you can also go out of network at a higher cost.
HMO - you have a network of providers. There is no coverage if you go out of network (unless in emergency situations). The benefit to an HMO is that you typically have a lower maximum out of pocket each year. Also, services can tend to be a lower cost than a PPO.