Carlos Gamiz, Medicare Insurance Agent
Carlos Gamiz
Medicare Agent Licensed in FL
Contact Details
-
Location
Davie, FL
Carlos Can Help With:
About Me
My name is Carlos, and I am your local Medicare advisor based out of Fort Lauderdale. I specialize in Medicare Advantage Plans & Supplements. My goal is to help you find the best plan that matches your specific needs and financial situation. You don't have to "go it alone", I will check your physicians and compare plans from top rated companies. Even better, my services are completely free! Contact me today to explore your Medicare options, and be sure to mention that you found me on Medicare Agents Hub!
Q&A with Carlos Gamiz
How do I know if a Medigap policy is right for me, and what's the best time to buy one?
Answer: If you do not want to to deal with referrals, prior authorizations, network changes, then a Medigap may be right for you. Guaranteed issue occurs when an individual first turns 65 and it las for 6 months.
Hey, I keep hearing about Medicare Advantage plans everywhere. What's the real deal with those compared to regular Medicare?
Answer: Medicare Advantage Plans also known as MA or MAPD. Typically they include Prescription Drugs . They offer all the benefits of original Medicare, have maximum Out of Pocket protection. MA plans are offered thru private insurance companies that have Medicare contracts.
Plans usually come in HMO or PPO.
What are the reasons why I should work with a Medicare agent?
Answer: Medicare agents should have access and knowledge of multiple carriers. This allow for flexibility in plans and provider networks.
I am planning out my mothers Medicare and long term care and it is quite stressful. What is some advice to make this process more manageable?
Answer: I would recommend looking at a supplement as there is only a fixed amount of time in which one can have the guaranteed issue period. Medicare Advantage plans have yearly enrollment periods from Oct 15 to Dec 7. MAPD does not require any underwriting. I would contact a licensed, certified Medicare broker who has contracts with multiple carriers.