Daniel Sarappo, Medicare Insurance Broker
Daniel Sarappo
Daniel Sarappo Insurance LLC
Medicare Broker Licensed in PA and NJ
6+ Years of Experience
Contact Details
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Serving
Willow Grove, PA
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Phone
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Website
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About Me
Daniel Sarappo is an independent insurance broker serving clients throughout Pennsylvania and New Jersey. He specializes in Home, Auto, Life, Health, Medicare, and Commercial Insurance, helping individuals and families find the right coverage at competitive rates through multiple top-rated insurance carriers.
A graduate of West Chester University with a bachelor's degree in Accounting, Daniel is committed to making insurance simple and ensuring his clients understand their coverage while protecting what matters most. His goal is to build long-term relationships by providing honest advice, personalized service, and ongoing support as his clients' needs evolve.
Outside of work, Daniel enjoys spending time with his fiancée, cheering on the Phillies, and giving back to his local community.
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Q&A with Daniel Sarappo
Can I use a health savings account (HSA) to pay Medicare premiums after I retire?
Answer: Yes, you can use your HSA funds to pay Medicare premiums after you retire. The money you contributed is yours and does not go away, but once you enroll in Medicare, you can no longer contribute to your HSA.
Can I have both Medicare and Medicaid at the same time?
Answer: Yes. You can have both Medicare and Medicaid at the same time. These are called Dual Eligible plans, and D-SNPs (Dual Eligible Special Needs Plans) are a common option for people who qualify for both.
Does Medicare cover Dexcom continuous glucose monitors?
Answer: Yes, Medicare can cover Dexcom continuous glucose monitors (CGMs) if you meet certain requirements, such as having diabetes, using insulin or meeting other Medicare eligibility criteria. Coverage depends on your specific Medicare plan and whether your doctor documents that you qualify.
Do capital gains from selling my home affect my Medicare premiums?
Answer: Yes, but only if the sale creates taxable capital gains that increase your income. If you qualify for the home sale exclusion (up to $250,000 single / $500,000 married filing jointly), it usually will not affect your Medicare premiums.
Does Medicare cover hip replacement surgery?
Answer: Yes, Medicare covers hip replacement surgery when it's medically necessary. If you have a Medicare Supplement (Medigap) plan, once your deductible is met, the plan will typically cover most or all of the remaining Medicare-approved costs. If you have a Medicare Advantage plan, coverage is included, but your out-of-pocket cost will depend on your specific plan's copay or coinsurance for that procedure.
What are the reasons why I should work with a Medicare agent?
Answer: A Medicare agent can help explain your options in simple terms and compare plans based on your doctors, prescriptions, and budget. They can also help you avoid enrollment mistakes and make sure you choose coverage that fits your needs.
Why do some agents push Medicare Advantage plans over Medigap-should I be skeptical?
Answer: You shouldn't automatically be skeptical, but you should ask why a particular plan is being recommended. A good agent will explain both Medicare Advantage and Medigap and recommend the one that best fits your health needs, budget, and preferred doctors.