William Murray, Medicare Insurance Broker
William Murray
Medicare Broker Licensed in CA, AZ, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MN, MO, MS, MT, NC, ND, NM, NV, NY, OH, OK, OR, SC, TN, TX, UT, WA and WY
Contact Details
-
Location
Poway, CA
William Can Help With:
About Me
I have been providing choices and solutions to the Medicare community since 2009 and have expanded to 37 states, now serving the needs of over 1000 clients. Prior to health insurance, I worked as a Chief Operating Officer, Vice President, and Division Manager in real estate finance for more than 30 years, managing and administering business groups for major corporations such as Bank of America, Crocker Bank, California Federal Savings and Loan, and Home Federal Savings and Loan. In addition, I also have experience in real estate development, where I built homes in several areas including Poway, Rancho Santa Fe and Ramona.
I am a proud parent of three children, all of whom are married, and my wife and I have six grandchildren.
Q&A with William Murray
What do you like most about being a Medicare agent?
Answer: Being a Medicare Agent since 2009 has given me an opportunity to help more than 2,000 seniors make the choices that connects them with plans that match their unique healthcare needs.
Educating seniors in the workings of Medicare and Medicare plans has given them peace of mind that they have control over making choices that they feel comfortable with.
It is and should be their choice.
And, that is the most important part.
How can I make sure I'm not overpaying for my Medicare plan, and are there any tools or resources you recommend?
Answer: Finding which plans are available in your area is the first solution.
Determining which of those plans you can use with your choice of doctors and other providers will narrow your choice of plans.
Making certain your prescriptions are covered will narrow the choices further.
The reputation and star ratings of the plans should be the next consideration.
Lastly, how do you feel about the company providing the plan.
This still may not narrow your choices to 1 plan. So, it is my opinion that the final reason for your choice is that size matters.
If you think you need more information than that, then we should have a conversation so I can answer your specific questions.
Can I backdate my Medicare enrollment if I missed my initial window due to a medical emergency?
Answer: Whether you missed your initial window for enrolling in Original Medicare Part A & B, or if you missed your initial window to enroll in a Medicare Supplement, Advantage or Prescription Drug Plan, you will need to call Medicare at 1-800-633-4227 and plead your case to them.
They are the only ones who may backdate effective dates.
I'm interested in nutrition counseling to help manage my diabetes. Will Medicare cover this as preventive care?
Answer: "Medicare covers medical nutrition therapy services if you have diabetes...and a doctor refers you for services. Only a Registered Dietitian or nutrition professional who meets certain requirements can provide medical nutrition therapy services. If you have diabetes, you may also be eligible for diabetes self-management training...You pay nothing for medical nutrition therapy preventative services because the deductible and coinsurance don't apply."
You can find this information on page 45 of the Medicare and You 2025 publication, which you can find on Medicare.gov.
If you had to pick just one, what's the worst Medicare-related decision someone can make?
Answer: The one worst decision which came 1st to my mind is for someone to decide not to enroll in Medicare Prescription Drug coverage because they don't take any prescriptions on a regular routine maintenance basis and don't see any reason, at this time, why they would use the coverage.
In your experience, what are the best Medicare Supplement insurance companies and why?
Answer: I don't mean to be evasive on this subject, but Medicare prohibits agents from using superlatives, like best, most, lowest and so on, to describe plans' details.
That being said, if the AARP Medicare Supplement Plan by United Healthcare is not, then I don't know which is.
The AARP by UHC is very highly advertised/recognized nationally. I have heard doctors and members praise their cost reimbursement timeliness. Their rates are competitive.
Rating plans can vary tremendously because the nation is packed with smaller regional plans which makes it difficult to rank them without knowing what service area an inquirer is interested in.
A good agent will often improve a members perspective in the insurance carriers quality of care by the quality and availability of service offered by the agent.
Some questions are answered best by telephone or in person.