Daniel Salzman, Medicare Insurance Agent
Daniel Salzman
Emerald Wave Health
Medicare Agent Licensed in NJ, AZ, CA, FL, GA, PA, SC, TN and TX
Contact Details
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Location
Eatontown, NJ
About Me
Hey there, my name is Daniel, and I am your local Medicare advisor and agent. I worked in the Health Insurance field for years, working for a big Agency. I knew in my heart that I could be doing more for my clients. I started Emerald Wave Health for exactly these reasons. The Client must come first, and there is no such thing as a bad question. Let us assist you in your Health Insurance Journey. No need to get lost in the waves of the Medicare journey, contact me to be your Agent. Contact me.
Q&A with Daniel Salzman
How do Social Security and Medicare work together for people with disabilities?
Answer: If you become disabled and qualify for social security disability and are under 65 you automatically get Medicare two years after the first month of your social security check.
Can you change Medicare Supplement plans at any time?
Answer: No, If you want a Medicare supplement the best time to get it is during your IEP, that means when you are turning 65 for the first time. You have a seven month window to get it. When you get it during this time you do not need a underwriting to get approved . if you want to switch you can during your first year at any time but after that you will need to pas underwriting every time you want to change. If you have a new illness and really do not like your supplement, then it may be worth exploring Advantage plans.
My friend lives in a different city and has a much more detailed Medicare plan. Is their plan dependent on their location?
Answer: It sounds like your friend has a Medicare Advantage plans. Original Medicare A and B must offer the same benefits nation wide. The Medicare Advantage plans offer more detailed services like dental vision hearing and some times part d which is rx coverage. Also advantage plans have a max out of pocket
If a senior is turning 65 but still working, should they enroll in Medicare or delay it?
Answer: It all depends if the employer coverage is creditable. Part A is usually free if your worked a set amount of years. You should definitely get part A. When turning 65 and still working you should find out if your employer coverage is creditable for part B. If it is great if not then don’t wait when you turn 65 enroll in part a and b
What should I do if I find out that my preferred hospital isn't in-network with my Medicare Advantage plan?
Answer: The good news is a lot of Medicare advantage plans are PPO’s and you can go in or out of network. The issue should have been handled when you initially signed up for Medicare. I run a Dr and hospital search to make sure these issues do not pop up down the road.
What do you like most about being a Medicare agent?
Answer: Selling Medicare connects me with some of the nicest people in the United States. No need to be a used car salesman when it comes to the Medicare population. Americans turning 65 eligible for Medicare are always hard working and earned the right to qualify for this service. I get to become a teacher and teach these clients the best path for all their Medicare needs
What are the reasons why I should work with a Medicare agent?
Answer: Signing up for Medicare can be a process and having a licensed agent with you to help answer and navigate the process. Also there are penalties that an agent can avoid and help guide through
How do I appeal a decision by Medicare or my plan if they deny coverage for a procedure or medication I need?
Answer: You must contact the number on the back of the summary of Benefits form. If it is the first appeal, you can go to Medicare.gov and file a redetermination form within 120 days for original Medicare and 60 days if it’s an Advantage plan