Calvin Vo, Medicare Insurance Agent
Calvin Vo
Haven Tax & Insurance Agency
Medicare Agent Licensed in CA
Contact Details
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Serving
Rossmoor, CA
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Phone
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Website
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Calvin Can Help With:
About Me
Hi, I’m Calvin Vo, a licensed insurance agent dedicated to helping Southern California residents navigate the complexities of Medicare. I know how overwhelming the 'mail pile' can be when you're turning 65. My goal is to simplify the process, taking the time to listen to your needs and ensuring your doctors and medications are covered. I represent multiple top-rated carriers, which allows me to find a plan that fits your unique budget and lifestyle. When I'm not helping neighbors with their healthcare or taxes, I enjoy bbq and spending time with my Maltese.
Q&A with Calvin Vo
What are the reasons why I should work with a Medicare agent?
Answer: Working with a Medicare agent provides clients with expert guidance at no extra cost.
Your cost of premiums stays the same whether a client goes direct or uses an agent while you get the service of an independent agent who compares the entire market instead of pushing one carrier.
It is the agent's job to shop for the best plans among the hundreds in your area; you simply just need to shop for an ethical and reliable agent. You do not have to spend time learning about which Medicare plan gives your specific lifestyle the best benefit.
What happens if I am unable to provide creditable coverage?
Answer: If you are unable to provide proof that you had creditable coverage for Part B and/or Part D, you will face a lifetime penalty when you want to sign up for Medicare Part B and Part D.
The penalty is a 10% increase in the Part B premium for each 12-month period that you did not have a creditable plan equivalent to Part B, and a 1% penalty for each month you did not have a creditable prescription drug plan.
Please note that COBRA coverage is not considered creditable for Part B, and you should find another plan to bridge the gap from your retirement to Medicare.