Dionisio Guillermo, Medicare Insurance Agent
Dionisio Guillermo
Medical Plans Hawaii
Medicare Agent Licensed in HI
Contact Details
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Location
Wahiawa, HI
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Phone
About Me
Hey there, my name is Dionisio, and I am your local Medicare advisor and agent. I specialize in Medicare and am devoted to helping you find the best plan that matches your specific needs and financial situation. I will take care of the daunting task of comparing plans from well-known national and local companies for you. Even better, my services are completely free! Contact me today to explore your Medicare options, and be sure to mention that you found me on Medicare Agents Hub!
Directions to My Office
Q&A with Dionisio Guillermo
Does Medicare fully cover nursing home care, and are there alternatives?
Answer: Yes if it is medically necessary as certified by a Doctor. Alternatives are Medicaid, Caregivers, long term care.
What do you like most about being a Medicare agent?
Answer: Being a Medicare agent is a great opportunity for me to help my co-senior citizens have the most appropriate health insurance plan available for them. I also like the earning potential as an independent Broker!
Are Medicare Supplement plans the same thing as "Medicare Secondary Insurance"?
Answer: NO, Medicare Supplement plans are complementary to Medicare, while Medicare Secondary Insurance refer to any insurance that pays after Medicare!
If I have been on disabilty due to an accident, do I qualify for Medicare Insurance?
Answer: YES, anybody who receives SSDI (Social Securitity Disability Insurance) benefits will be eligible for Medicare after 2 years of receiving those benefits including those who are disabled due to accident.
How do I know if a Medigap policy is right for me, and what's the best time to buy one?
Answer: Medigap is right for you if you frequently travel and can go to any doctor of your choice! There is an open enrollment for Medigap or Medicare Supplement plans
Isn't it suspicious that Medicare Advantage plans offer gift cards and incentives to enroll?
Answer: No, this part of their marketing strategy which is allowed by Medicare, however, prospective enrollees must consider the value of the plan such as coverage, cost, etc.
I'm on Medicare Part B, and I'm wondering how my physical therapy visits are covered. Do I have to hit my deductible first?
Answer: These visits are covered by Part B if it is ordered by a doctor as medically necessary. Part B covers 80% of the approved amount for the therapy service after applying the deductible and you are responsible for the 20% coinsurance.
I'm healthy and barely use my coverage, but I'm still paying more every year. Why isn't there a discount for people like me?
Answer: Your cost is based on several factors such as administrative costs, risk costs, etc and the need to cover the costs of those who n do require extensive medical care. Even the healthy Medicare members contribute to the pool to ensure that those who need more care can receive it.