Cynthia Allen, Medicare Insurance Agent
Cynthia Allen
Allen Ins. & Financial Services
Medicare Agent Licensed in CA, GA, ID, NC, OK, PA, SC, TX and VA
5+ Years of Experience
Contact Details
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Location
Valencia, CA
About Me
We specialize in Medicare so that individuals turning 65 can better understand their options.
Medicare Made Simple:
If you find Medicare is a little confusing, you are not alone, there are a lot of choices but we are here to help simplify it for you. We are independent agents who are certified in Medicare, and who represent many different insurance companies but will always give you unbiased information as to what your options are.
You deserve a Medicare Plan that not only supports your continued good health but also your peace of mind. Essentially, meet your health needs and budget.
If you would like to have a free consultation, please call me. There is no obligation.
Look forward to talking with you and the best to you on your 65th Birthday!
Serving clients in California, Pennsylvania, Virginia, Georgia, Idaho, Texas and more.
Q&A with Cynthia Allen
I need help at home after my surgery. Will Medicare cover a home health aide or am I on my own?
Answer: Go onto google and search - does medicare cover home health care after surgery and it will bring up the information that you need,
What do I need to do if I didn't take Medicare at 65 and am now retiring?
Answer: If you have had creditable medical coverage, i.e. a medical plan from your employer, then you would need a letter from your employer stating that you have had coverage along with the starting date of coverage and when it will end. You will need that to sign up for Medicare Part A and B within 8 months of you leaving your employment to avoid any penalties. You would need to contact Social Security if you plan on taking those benefits, and then you could have the Part B premium taking out of Social Security as an option. It all depends upon when you want to take social security. You can go to medicare.gov to find out information or contact an agent to help explain things further to you which is best since every situation can be different.
Why do some clients ignore your advice and end up in bad Medicare plans-what makes them resistant?
Answer: I would think that because some people feel that they can figure it out for themselves or they just don’t trust the agent has their best interest at hand, they decide to go their own route. As a result, sometimes the plan they have chosen, while not knowing information that primarily agents know, they might experience a plan they thought would be the best for them but turns out not to be….there really aren't any “bad plans” — but agents help with selecting plans that accommodate a person’s needs. That said, I make sure that the client knows all their choices and gear towards the least out of pocket costs but also getting what they need in coverage.