Dominic Javier, Medicare Insurance Broker
Dominic Javier
DEAJ Insurance and Investments Consulting
Medicare Broker Licensed in TX
Contact Details
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Location
Arlington, TX
Dominic 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
1. Life, Health, Disability Insurance Licensed
2. AHIP Certified
3. Property and Casualty Insurance Licensed
Directions to My Office
Q&A with Dominic Javier
What do you like most about being a Medicare agent?
Answer: The Medicare process can be overwhelming. A licensed Medicare broker will listen to you and give you information about your coverage options that is based on your needs and preferences. Working with a trained broker can help you save time and money, ultimately helping you find the right health plan.
The Medicare process can be overwhelming. A Medicare broker is an independent adviser who represents multiple insurance companies and can help you evaluate plan options, along with helping you enroll into a plan.
Please note, I used 'broker' instead of 'agent' because I am here to represent the needs of the clients with a fiduciary obligation, whereas the later is an employee whose obligation is with an employing nsurance company.
I'm homebound and need remote monitoring for my heart condition. What Medicare benefits might apply to someone in my situation?
Answer: Medicare covers home health services under Part A and/or Part B. Medicare covers durable medical equipment, in your case, heart monitoring device, and medical supplies for use at home. You will pay nothing for home health services. However, for Medicare-covered durable medical equipment, you will pay 20% of the Medicare approved amount. The Part B deductible applies.
Why are people leaving Medicare Advantage plans?
Answer: Because Medicare (Advantage and Supplement) involves complicated rules and procedures, lest updates and revisions from time to time, most beneficiaries get confused, eventually frustrated. You will need to understand Medicare/Medigap benefits, coinsurance, deductibles, copayment, hospital benefits, blood pints, hospice, skilled nursing care, etc.
You will need a licensed, AHIP certified person who knowledgeable and experienced to guide you through the rules and procedures that will clearly give you practical options and solutions.
I went with Medigap because I travel a lot, but now I'm paying a fortune in premiums. Did I make a mistake?
Answer: Issuance and sales of Medigap (Medicare Supplement Insurance) plans are regulated by States, which have varying laws 'bluesky' like guaranteed issue rights, marketing, commissions, etc. And, depends on the medigap plan (A to F) you are subscribed with. For instance, the foreign travel benefit pays 80% of charges after the $250.00 deductible, up to a $50,000.00 lifetime maximum. Your premium depends on the plan you acquired.
Why are hospitals not taking Medicare Advantage plans?
Answer: Medicare plans that have Coordinated Care Plans have a network of preferred providers such as Health Maintenace Organization (HMO), Preferred Provider Organization (PPO) and Private Fee for Service (PFS). Check well if the area of coverage of your plan covers your home area.