Colton Fisher, Medicare Insurance Agent
Colton Fisher
ACI Advocates LLC
Medicare Agent Licensed in PA, FL, NC, NJ and SC
Contact Details
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Serving
Kunkletown, PA
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Phone
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Website
Colton Can Help With:
About Me
ACI Advocates was started to help individuals navigate the complex world of Medicare with ease and confidence. With a mission to empower seniors and beneficiaries, ACI Advocates strives to find the best Medicare plan tailored to each person's unique needs while effectively addressing their Medicare issues. With over 16 years of experience in the Medicare field, ACI Advocates brings a wealth of knowledge and experience to the table. As a licensed advisor, I work closely with clients to understand their medical requirements, financial circumstances, and personal preferences. Armed with this information, I conduct a comprehensive analysis of available Medicare plans to identify the most suitable options.
What sets ACI Advocates apart is our personalized and empathetic approach. I understand that everyone’s healthcare journey is different, and that's why I take the time to listen to clients and answer any questions they may have. Whether a person is new to Medicare, seeking to switch plans, or encountering challenges with their current coverage, ACI Advocates is there to support and guide them every step of the way.
In addition to helping clients find the best Medicare plan, ACI Advocates is also adept at resolving Medicare-related issues. I liaise with insurance providers and Medicare authorities on behalf of our clients, ensuring that concerns regarding coverage, claims, or benefits are efficiently addressed and resolved.
Q&A with Colton Fisher
What is the Medicare Advantage 5-Star Special Enrollment Period? Is this different from '"OEP'" and "AEP"?
Answer: Yes this different from OEP and AEP. You can enroll into a 5 star Medicare Advantage once per year between 12/8 to 11/30.
What is an HMO-POS Medicare Advantage plan, and how is it different from an HMO or PPO?
Answer: An HMO-POS plan is a type of HMO that lets you go out of network for some services, usually at a higher cost, giving you a bit more flexibility than a standard HMO but typically at a lower cost than a PPO.
It works mainly like a regular HMO: you choose a primary care doctor, stay in the plan’s provider network for most care, and may need referrals and prior authorizations.
The “Point of Service” feature means you can use certain out-of-network doctors or facilities for covered services, but you’ll usually pay higher copays, coinsurance, or a separate deductible when you do.
• An HMO (Health Maintenance Organization) Medicare Advantage plan requires you to use doctors, hospitals, and other providers in the plan’s network, except for emergencies, urgent care when you’re traveling, or temporary dialysis.
• A PPO (Preferred Provider Organization) also has a network, but you can see any doctor or hospital—inside or outside the network—without choosing a PCP or getting a referral.
Can I switch from a Medicare Advantage plan to Original Medicare with a Medigap plan mid-year if I’m diagnosed with a serious illness?
Answer: Most likely, you would be denied a Medicare supplemental plan outside of a guaranteed issue period. This is a conversation best served over the phone. Happy to help you. Contact me.