Charise Karjala, Medicare Insurance Broker
Charise Karjala
Charise Karjala Health Markets
Medicare Broker Licensed in CA, AZ, CO, PA and WA
13+ Years of Experience
Contact Details
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Location
Palm Desert, CA
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Phone
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Website
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About Me
Hi, my name is Charise Karjala, and I am your dedicated Medicare concierge, advisor, and agent. Navigating Medicare can be daunting, but I specialize in finding the best strategy and plan tailored to your unique needs and financial situation.
Why Choose My Services?
Expert Guidance: I will compare plans from well-known national and local companies, ensuring you get the best coverage.
Personalized Assistance: Your health and financial needs are unique. I provide a personalized approach to find a plan that fits perfectly.
Cost-Free Service: My expert services are completely free for you!
Contact Me Today!
Let's simplify your Medicare journey together!
Directions to My Office
Q&A with Charise Karjala
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: Granular market specific information is only available through a specialist that works in your community. Meeting face-to-face with your agent is an important way to assure yourself that you were getting specific, relevant, verified and accurate information regarding your network of hospitals, doctors, facilities, and prescription drug delivery systems
Furthermore, your agent can get to know you, personally, and thereby understand your needs more thoroughly than a phone call or a Zoom call.
Can you describe a time when you helped a client navigate a complex Medicare issue?
Answer: A present, my most pervasive challenge is navigating the dual eligible market. That means for people who are either aging in or have Medicare and Medicaid.
This market is always particularly challenging in my area because the networks are constantly shifting. Medicaid is going under massive changes and there’s a lot of uncertainty with the Provider networks. In addition, those networks are very busy and flooded with patients. So I’m consistently challenged to make sure that I have the most timeline and relevant information
I just got Medicare Part A, and I’m worried about hospital stays. How do I know if my overnight stay will be covered fully?
Answer: Your part A benefits are for hospitalization. Your medi-Gap policy should cover the majority of the patient coinsurance; or you Medicare Advantage policy will cover it per your explanation of benefits.
Please find a Medicare agent to assist with your needs analysis and policy description so you can rest easy without worry about the what -ifs.
What’s your go-to strategy for helping someone decide between Medicare Advantage and Medigap?
Answer: I have a seven question algorythm that is 99% accurate. Seven questions and the appropriate strategy is evident.
What happens if I am already retired and collecting Social Security when I turn 65?
Answer: Typically, Social Security will send out your Medicare Benefits card 3 months prior to your 65th birthday month.
You may also be eligible for Medicaid, which makes things a little more complicated in accessing different plans, or you may involuntarily be enrolled in a plan without your knowledge.
Get with a competent Medicare broker (non a salesperson); they can do a thorough needs and situation analysis and assist you to understand your options and develop a winning healthcare strategy.
How do I report a suspicious Medicare billing error without getting in trouble myself?
Answer: Call 1800 Medicare for assistance. Provide them with the information and your questions will be reviewed under compliance.
Am I eligible for a Special Enrollment Period if I lose employer coverage?
Answer: Yes absolutely. There's no need to use COBRA. You can activate your part B premiums if you are over 65 and then be in a plan very quickly. Please don't overspend on COBRA, except under certain circumstances.