Darlene Murphy, Medicare Insurance Broker
Darlene Murphy
DD Murphy Insurance Services
Medicare Broker Licensed in CA, AZ, ID, MI, MT, ND, NV, OR, TN and UT
Contact Details
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Serving
Magalia, CA
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Phone
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Schedule An Appointment
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LinkedIn
Darlene Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Thank you for stopping by to read about me. With over 30+ years of experience in the healthcare industry, 12 of those dedicated solely to insurance, Medicare is my Specialty. I take care of the daunting task of researching the plans in your area, to help you find the most suitable plan for you and your needs. As an independent advisor with Futurity First, I provide truly objective guidance. Rather than just offer a few solutions, I can access FFIG's massive portfolio including many of the top names in the industry. You will get a customized plan tailored to your specific needs. I am licensed in 10 states and have options with over 30 national carriers. I understand the complexities of Medicare and enjoy helping people understand it too. Best of all, my services come at no cost to you. Call me today at 530-949-1435 to explore your Medicare insurance options. I am ready to help you by being your friend and advocate throughout your Medicare experience and life.
Directions to My Office
Q&A with Darlene Murphy
Answer: You may be denied a Medicare Supplement, however, there are certain times of enrollment where no health questions apply. Supplements are covered by private insurance companies, so they can deny acceptance.
Answer: I like helping people know the differences in coverage throughout their area, and across the Nation. Serving many communities and giving back is what makes me happy.
Answer: That is specific to each individual person, and coverage area. No 2 cases are exactly alike, seek help from a trusted advisor.
Answer: Yes, it can and is worth it, if you like managing your own HealthCare. It may cost more, but it gives you more options too.
Answer: Good question, Yes, it is more expensive over time. Again, seek an advisor that can help keep down your overall costs with co-pays, deductibles, and monthly premiums, if allowed in your area.
Answer: There are several online programs that help support seniors with medication alerts, reminders, etc.
Answer: You May be penalized if you do not have other creditable coverage at the time you were to enroll. If you or your spouse are still working, you are able to defer Part B when you turn 65.
Answer: Yes, you may enroll, however; your premiums may be different than others enrolled in Medicare. You also must be a US citizen.
Answer: Your provider needs to submit for the equipment and get it covered by way of being medically necessary. Most times it is more than just writing an order for the device, it requires further documentation.
Answer: That is depending on the person, but most defer or delay signing up for Part B as their other coverage is just as good. Just be careful, as the employee coverage has deductibles, Medicare does not pay for.
Answer: Long-Term Care or extended rehab care in or out of facilities. There is no coverage for custodial or ADL care.