Christian Marti Del Campo, Medicare Insurance Broker

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!

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I acknowledge that a licensed insurance agent may contact me by phone, email, or mail, to discuss Medicare health plan options, including Medicare Advantage, Medicare Part D and Medicare Supplement plans. I accept the terms of service and privacy policy. This is a solicitation for insurance. Your information will ONLY be sent to Christian Marti Del Campo. No other insurance agents or agencies will receive this inquiry.

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Q&A with Christian Marti Del Campo

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 (1-800-633-4227) — 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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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

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!

Christian Marti Del Campo, Medicare Insurance Broker