Cynthia Nakaya, Medicare Insurance Agent
Cynthia Nakaya
Medicare Agent Licensed in AZ, CA, CO, GA, MO and TX
Contact Details
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Location
Jurupa Valley, CA
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Phone
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Cynthia Can Help With:
About Me
I have a passion for serving clients with excellence. I have been helping others since junior high, when I tutored fellow students. After raising my 3 beloved children, I got my insurance license and now serve you.
For over 13 years, I have helped clients with their insurance needs, specializing in Medicare plans. My goal is to assist clients in finding the right product to save them money and serve their best interests. Clients often ask what the "best" company is. The answer depends on your needs! I do a thorough assessment before recommending a plan, which may be one company for you but a different company for someone else. If I find a plan suiting your needs that I don't represent, I'll contract with them just to help you!
I also help people through selling life insurance. When my life insurance clients pass, their families contact me. I assist them by finding the best prices for final expenses. I don't believe anyone should have to arrange a loved one's funeral alone. This is part of my ministry to help others, and I don't charge for these services.
I enjoy having regular contact with my clients and am always available to answer plan-related questions throughout the year.
Q&A with Cynthia Nakaya
What do you enjoy most about working with Medicare clients?
Answer: I previously specialized in Final Expense insurance, which was very important for my clients' and familys' peace of mind. However, my clients didn't see the benefit in their lifetimes.
With Medicare, I assist my clients immediately and have the potential to save them money and give them more benefits. I can often lower prescription costs through plan reviews. I can be a greater resource and build closer relationships by helping people with their health coverage.
How do you educate clients who are completely new to Medicare?
Answer: When helping clients new to Medicare, I go over their current coverage. If they have a retirement plan, I recommend they discuss their need for Part B Medicare with their benefits administrator. I walk them through the process of applying for original Medicare. Even if I don't sign them up for a plan, my reward comes from knowing they know what to do!
If a client has no retirement plan, I educate them on Original Medicare and go over options for additional coverage. This includes Medicare Supplement as well as Medicare Advantage. If the client is low income, I also help them apply for extra help, so the financial burden of prescription costs is lightened.
I like to begin the conversation about Medicare a few months before my client turns 65 so they don't stress over the process. I'm also happy to help people who are already 65 and need assistance immediately.
What are some lesser-known benefits or services that my Medicare plan might cover that I could be missing out on?
Answer: Different plans have different benefits, of course, but some benefits are more common than others.
For example, over-the-counter benefits are extremely common, with benefits amounts varying greatly from plan to plan. Your benefit may be as low as $15 per quarter or as high as $150 a month, sometimes more. Keep in mind, extra benefits vary depending on geographic location, Plan Sponsor, pre-existing conditions, and even vary by plans within each company!
A lesser-known benefit that some plans have is telehealth. It allows the patient to talk with a provider on a computer, tablet, smartphone, or even a regular phone. The convenience of this benefit cannot be overstated. After all, who wants to go to the doctor with a minor cold, flu, or pink eye? Be sure to follow your physician's advice and go to urgent care if you're feeling especially ill.
Some plans have technical help lines, so if you need help downloading an app on those confounded smart phones, you have someone to turn to.
If you are curious about your extra benefits, call your agent and get the details. I'm also available to help you!
How does moving to a new state affect my Medicare enrollment timeline?
Answer: When you move out of a service area, whether from one county to another, or a different state, you must change plans if you have a Medicare Advantage (MA) or Prescription drug plan (PDP). The ability to change plans after a move falls under a Special Enrollment Period (SEP).
If you don't notify your plan before you move, you have the month you move and 2 months after (3 months total) to change plans. If you notify your plan before you move, you have the month before, the month of, and 2 months after (4 months total) to make a change.
Plans vary greatly by service area, so don't be surprised if you have different benefits, including maximum out-of-pocket, deductibles, co-pays, and co-insurance. Extra benefits may also differ from area to area.
Be advised that some counties with low populations don't have MA plans, so adding a supplement and a PDP may be your only option. Medicare Supplement SEPs are similar but exclude the month before a move. You can join a Medicare Supplement plan the month you move and up to 2 months after. Guaranteed issue is available ONLY if there is no MA plan available in your new service area.
Sound complicated? Contact me and I'll walk you through it.
I picked a Medicare Advantage plan because of the dental and now I found out it only covers cleanings. Why didn’t anyone tell me this upfront?
Answer: I'm sorry to hear your expectations weren't met by your plan. The best way to prevent this issue is to look at the Summary of Benefits or the Evidence of Coverage. Your agent should have gone over this information with you. I recommend you get a new agent who will go over all benefits during sign up.