David Quintal, Medicare Insurance Broker
David Quintal
Quintal Insurance Services
Medicare Broker Licensed in NH, AL, AZ, CT, FL, MA, ME, MI, NC, NE, OH, SC, TN, TX, UT, VA and VT
8+ Years of Experience
Contact Details
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Location
Hampstead, NH
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About Me
Hi! My name is David, and I am your dedicated Medicare consultant and agent. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!
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Q&A with David Quintal
I don't understand how my friend pays nothing for their plan and I pay over $200-are these plans just totally random by ZIP code?
Answer: Medicare plans are available based upon zip code but there are many types of plans available. Basically, there are three type of products that people can enroll in addition to Original Medicare. The three type of plans that are available are Medicare Supplement plans (also referred to as Medigap plans), Prescription Drug Plans, and Medicare Advantage Prescription Drug plans. Medicare Supplement plans do carry a premium whereas some Medicare Advantage Prescription Drug Plans may not carry a premium. Most likely, you are enrolled in a Medicare Supplement and your friend is enrolled in a Medicare Advantage Prescription Drug plan. It is, however, quite possible to be enrolled in a Medicare Advantage Prescription Drug plan that does carry a high premium. In order to best understand what coverage you have always reach out to a local broker for a quick review. Lastly, it is also possible to be enrolled in a zero premium Prescription Drug plan or a plan with a very high premium. Always check your cards and always reach out to a local broker for assistance.
I keep hearing about Medicare Part D changes for 2025. Will these actually lower what I pay for my prescriptions?
Answer: In 2025, Medicare Part D has several changes. The changes include a $2,000 annual out-of-pocket limit for prescription drug costs, the elimination of the coverage gap (aka "donut hole) and new options for spreading drug costs throughout the year.
I'm a green card holder who's been in the US for 4 years and turning 65 soon. Am I eligible for Medicare?
Answer: No, a green card holder would need 5 years residency in the USA to be eligible for Medicare.
This rule applies even if an individual is turning 65.
I'm confused by all the star ratings for Medicare plans. Do they actually mean anything for the care I'll receive?
Answer: Star ratings are used by the Centers for Medicare and Medicaid (CMS) to evaluate Medicare Advantage plans (part C) and Prescription Drug plans (part D). Star ratings range from one star to five stars. Star ratings assist individuals by allowing them to compare plans and choose the best one for their needs. The higher the star rating, in most cases, indicates better performance and may include additional benefits or programs.