Christian Marti Del Campo, Medicare Insurance Broker
Christian Marti Del Campo
Si health
Bilingual English & Español
Medicare Broker Licensed in FL, OK, SC and TX
9+ Years of Experience
Contact Details
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Location
Fort Worth, TX
Christian Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Hello! I'm Christian, your trusted Medicare agent in the area. My specialty is Medicare, and I'm passionate about helping you select the ideal plan that caters to your individual needs and budget. I'll efficiently sort through plans from reputable national and local companies, saving you time and effort. Best of all, my services are provided at no cost to you. Contact me to discuss your Medicare choices and don't forget to mention that you found me on Medicare Agents Hub!
Directions to My Office
Q&A with Christian Marti Del Campo
Are there any changes I should expect for Medicare in 2026?
Answer: Yes — there are a number of changes and updates coming for Medicare in 2026. Some are relatively modest, others more substantive. Here’s a breakdown of the most important ones to watch (and how you should prepare for them).
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📌 Key Medicare Changes for 2026
Here are some of the biggest changes already finalized or expected. (Always double-check your state, plan, and carrier for specific impacts.)
Can you describe a time when you helped a client navigate a complex Medicare issue?
Answer: One of my clients, a 72-year-old gentleman with diabetes, was struggling to afford his insulin under his current Medicare coverage. He had been paying hundreds of dollars each month and wasn’t aware that there were Medicare Advantage plans and Extra Help programs that could significantly reduce his out-of-pocket costs.
I sat down with him and carefully reviewed his medications, his doctors, and his eligibility for savings programs. Together, we compared several plans available in his county that included enhanced Part D coverage for insulin at a capped cost. I also helped him complete the application for the Low-Income Subsidy (Extra Help) program through Social Security.
The result was life-changing for him: his insulin dropped to $35 a month, and he also gained dental and vision benefits he never had before. What mattered most to him wasn’t just the savings, but that he felt someone had taken the time to explain the options in simple terms and guide him step by step.
That experience reinforced why I love this work — helping people cut through the complexity of Medicare and find a plan that truly supports their health and financial well-being
How can insurance companies afford to offer Advantage plans with $0 monthly premiums?
Answer: Medicare Advantage plans are paid by the federal government (CMS) to manage members’ care.
• Instead of Medicare paying hospitals and doctors directly under Original Medicare (Parts A & B), CMS pays a fixed monthly amount (capitation) to the insurance company for each enrollee.
• This amount is risk-adjusted — meaning plans get more for members with chronic conditions and less for healthier members.
I want to switch to Medicare Advantage this year. How do I do this?
Answer: Good afternoon, you should contact an agent who has experience in that, as it is a process that requires a couple of steps, starting from a need analysis, though helping you to cancel whatever supplements you currently have
If you wish, you can contact me so that is can assist you in the process
Christian
Contact me.
Can you just have A and B and not enroll in anything else and still have good coverage?
Answer: Yes you can but you will be missing on lots of ancillary benefits like dental vision and hearing aids
I just moved to a new state. Do I need to do anything with my Medicare coverage?
Answer: You sure do
Starting from changing your address with social security all the way to review your benefits due to the fact that some times benefits changes on different zip codes
Please contact a representative or Medicare.gov or 1-800-Medicare
What's the likelihood of Medicare covering gene therapy as it becomes more common?
Answer: The likelihood of Medicare covering gene therapy as it becomes more common is moderate to high, but with significant conditions and constraints. Here’s a breakdown of how this is evolving:
My friend lives in a different city and has a much more detailed Medicare plan. Is their plan dependent on their location?
Answer: Yes, your friend’s more detailed plan is likely because:
• Their city or ZIP code has different available plans.
• Their state’s rules or insurer options might offer richer benefits or more competition.
If you’re ever considering switching or comparing plans, you can visit Medicare.gov and use their Plan Finder tool to compare options based on ZIP code.
Let me know if you want help understanding a specific plan or ZIP code!
My kids keep telling me to get a Medicare Advantage plan, but my friends say stick with Original Medicare. Who should I listen to?
Answer: That’s a great question — and one that many people wrestle with. Whether Medicare Advantage or Original Medicare is better depends on your personal health needs, budget, and lifestyle.
For better understanding of your options reach out a professional to help guide you through the process
How do I appeal a decision by Medicare or my plan if they deny coverage for a procedure or medication I need?
Answer: Step 1: Review the Denial Notice
You will receive a denial letter or Notice of Denial of Medical Coverage (for Medicare Advantage) or a Part D Explanation of Benefits. This notice should include:
• The reason for the denial
• Instructions on how to file an appeal
• Deadlines for submitting your appeal
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Step 2: Request a Redetermination (First Level of Appeal)
Original Medicare
• Fill out a “Redetermination Request Form” (optional— you can also write a letter).
• Send it to the address listed in the denial notice.
• You must file within 120 days of the date you received the denial.
• A Medicare Administrative Contractor (MAC) will review your case.
Medicare Advantage (Part C) or Part D Drug Plan
• You (or your doctor) can request a reconsideration.
• Call your plan or submit a written request.
• For urgent cases, request an expedited (fast) appeal if waiting could seriously harm your health.
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Step 3: Add Supporting Documentation
It’s helpful to include:
• A letter from your doctor explaining why the procedure or medication is medically necessary
• Relevant medical records
• Any prior approvals or evidence of similar cases being approved
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Step 4: Follow the Appeals Process Through the 5 Levels (If needed)
If your first appeal is denied, you can continue through these levels:
1. Redetermination/Reconsideration by the plan or Medicare contractor
2. Review by a Qualified Independent Contractor (QIC)
3. Hearing before an Administrative Law Judge (ALJ)
4. Review by the Medicare Appeals Council
5. Federal District Court Review
Each level has deadlines and procedures, and you’ll be notified how to proceed to the next step if necessary.
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Need Help?
• 1-800-MEDICARE — for guidance on appeals
• State Health Insurance Assistance Program (SHIP) — free, local help
• Your doctor or medical provider — can assist with medical justification
• Medicare.gov — has forms and additional details
Sample Medicare Appeal Letter
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