Carmen Zorrilla, Medicare Insurance Broker
Carmen Zorrilla
KAS Insurance Agency
Medicare Broker Licensed in FL, AZ, KS, LA, MD, MI, OH, SC, TN and TX
Contact Details
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Location
Poinciana, FL
About Me
Greetings! I'm Carmen, 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 Carmen Zorrilla
I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?
Answer: As you approach your 65th birthday, it's essential to take the first steps towards Medicare enrollment. Here's what you should do:
First, check if you'll be automatically enrolled in Medicare. If you're already receiving Social Security benefits, you'll likely be enrolled in Medicare Part A and Part B.
If you're not automatically enrolled, you'll need to sign up during your Initial Enrollment Period (IEP). This period starts three months before your 65th birthday and ends three months after.
You can enroll online through the Social Security Administration website, visit your local Social Security office, or call them directly.
It's also important to consider your current health coverage. If you're still working and have a group health plan, you might be able to delay Medicare enrollment without penalties.
Once you've enrolled, you can explore additional coverage options, such as Medicare Part D for prescription drugs, Medicare Advantage plans, or Medicare Supplement Insurance.
Remember, navigating Medicare enrollment can be complex. If you need personalized guidance, don't hesitate to reach out.
Call me directly at 407-244-6951 for a personalized consultation. I'll help you navigate the Medicare enrollment process and ensure you make informed decisions about your healthcare coverage.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: Medicare Advantage (MA) plans are not entirely "free." While some MA plans have $0 premiums, they often come with other costs and limitations.
What to Consider
Premiums: You'll still pay your Medicare Part B premium.
Out-of-Pocket Costs: Copays, coinsurance, and deductibles apply.
Network Restrictions: Seeing out-of-network providers may result in higher costs.
Maximum Out-of-Pocket (MOOP): You'll pay up to a certain limit annually.
Before Enrolling
Research: Compare plans and review the fine print.
Ask Questions: Clarify doubts with the plan provider or a licensed insurance agent.
Confused About Medicare Advantage Plans?
Don't worry, I'm here to help. With so many plans available, it can be overwhelming to choose the right one.
Call me directly at 407-244-6951 for a personalized consultation. I'll help you navigate the complex world of Medicare Advantage plans and find the best fit for your healthcare needs.
What do you enjoy most about working with Medicare clients?
Answer: Working with Medicare clients is a true passion of mine. I cherish the opportunity to empower individuals with the knowledge to make informed decisions about their healthcare, and to build trusting relationships through transparent and personalized guidance. There's no greater reward than witnessing the relief and gratitude on a client's face when they finally understand their Medicare options and feel confident in their choices. If you're seeking personalized Medicare guidance, I'm here to help - call me at 407-244-6951.
Does Medicare cover hearing aids, or do I have to pay out of pocket?
Answer: Medicare doesn't typically cover hearing aids or the exams needed to fit them. However, some Medicare Advantage plans may offer benefits that include the cost of hearing tests and hearing aids, along with fittings and repairs.
If you're looking for affordable options, you can consider over-the-counter (OTC) hearing aids, which are generally more affordable.
Need Help Navigating Medicare and Hearing Aid Coverage?
Don't worry, I'm here to help. With so many options available, it can be overwhelming to choose the right one.
Call me directly at 407-244-6951 for a personalized consultation. I'll help you explore your Medicare coverage options and find affordable solutions for your hearing needs.
Are there any tax benefits tied to paying Medicare premiums as a retiree?
Answer: As a retiree, you're eligible for tax benefits tied to paying Medicare premiums. Medicare premiums can be tax-deductible as medical expenses, but only if they exceed 7.5% of your adjusted gross income (AGI).
For instance:
1. Medicare Part A, Part B, Part D, Medicare Advantage, and Medigap premiums can be deducted.
2. Self-employed individuals can deduct Medicare premiums pre-tax, even if they don't itemize deductions.
3. Health Savings Accounts (HSAs)* allow tax-free withdrawals to pay Medicare premiums after turning 65.
To claim these deductions, you'll need to itemize deductions on your federal income tax return (Form 1040) and complete Schedule 1.
As someone who's passionate about helping seniors navigate the complexities of Medicare, I'd love to help you make the most of these tax benefits.
If you have questions or would like to schedule a consultation, please don't hesitate to reach out. You can call me directly at 407-244-6951.
I'm looking forward to helping you optimize your Medicare coverage and maximize your tax savings!
How do you educate clients who are completely new to Medicare?
Answer: Educating clients who are new to Medicare can be a daunting task, but I believe it's essential to empower them with knowledge to make informed decisions about their healthcare.
When working with clients who are completely new to Medicare, I take a step-by-step approach to ensure they understand the basics.
First, we start with the fundamentals:
1. What is Medicare, and how does it work?
2. The different parts of Medicare (A, B, C, D, and supplements)
3. Eligibility and enrollment processes
Next, we dive deeper into the specifics:
1. Understanding the costs associated with Medicare (premiums, deductibles, copays)
2. How to choose the right Medicare plan for their needs
3. The importance of timely enrollment to avoid penalties
Finally, we review and discuss:
1. How to navigate the Medicare system
2. Where to find additional resources and support
3. How to review and adjust their Medicare plan as needed
If you have questions or would like to schedule a consultation, please don't hesitate to reach out. You can call me directly at 407-244-6951.
I'm looking forward to helping you optimize your Medicare coverage and maximize your benefits!
I picked a PPO for the flexibility, but now every time I go out of network the bills are outrageous. What's the point of even having a PPO?
Answer: I totally understand your frustration!
Having a PPO (Preferred Provider Organization) plan is supposed to give you flexibility and freedom to choose your healthcare providers, both in-network and out-of-network. But, when the out-of-network bills start piling up, it can be overwhelming.
The point of having a PPO is to have access to a wider network of providers, including specialists, without needing a referral. However, it's essential to understand that out-of-network care usually comes with higher costs.
To avoid surprise medical bills, it's crucial to:
- Carefully review your PPO plan's network and coverage
- Verify the network status of your healthcare providers
- Understand the out-of-network costs and billing procedures
If you're feeling overwhelmed or unsure about your PPO plan, I'm here to help!
As a licensed health insurance broker, I can guide you through the complexities of Medicare and health insurance. Let's work together to find a solution that fits your needs and budget.
Call me today at 407-244-6951 to schedule a consultation. Let's navigate the healthcare system together and find a plan that gives you the flexibility and affordability you deserve!