David Ion, Medicare Insurance Broker
David Ion
Medicare Broker Licensed in CA, AZ, ID, KY, NM, NV, OR, UT and WA
22+ Years of Experience
Contact Details
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Location
Los Osos, CA
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Phone
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Website
About Me
David A. Ion, LUTCF, FSS
Founder | Ion Financial & Insurance Services (IFIS)
David A. Ion has been serving individuals, families, retirees, and businesses on California’s Central Coast and all Western States for more than 20 years. As the founder of Ion Financial & Insurance Services, he specializes in Medicare planning, health insurance, life insurance, long-term care coverage, disability protection, and employee benefits.
David is known for taking a practical, educational approach to helping clients understand their options and make informed decisions with confidence. His focus is not simply on finding a policy, but on helping clients prepare for the financial and healthcare challenges that can impact retirement and long-term security.
Throughout his career, David has worked extensively with Medicare beneficiaries, helping clients navigate Medicare Supplements, Medicare Advantage plans, Part D prescription coverage, and retirement healthcare planning. He also assists individuals who may have previously been declined for coverage by helping explore alternative solutions that fit their needs.
David is a longtime member of NAIFA (National Association of Insurance and Financial Advisors) and has served as a board member for NAIFA Central Coast. He is a graduate of the Leadership in Life Institute (LILI) and The American College of Financial Services’ LUTCF program. His FSS designation reflects his commitment to ongoing professional education and client service.
Q&A with David Ion
If I have Medigap or secondary insurance, does it cover my Medicare Part A and Part B deductibles?
Answer: No you are responsible for your deductibles. The Medigap/Supplemental plan covers the 20% not paid directly by Medicare after your deductible is met.
Do I need to notify Medicare or Social Security if I move to a new address?
Answer: You should at the least login to your accounts and update your contact information. If you have moved out of your service area or State it will most definitely affect your Part D or MAPD plan. You have 60 days to notify your Part D or MAPD insurance company.