Donald Heath, Medicare Insurance Agent
Donald Heath
Brightstar Insurance Services
Medicare Agent Licensed in CA, AZ, CO, NM, NV, TX and WA
Contact Details
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Location
San Buenaventura, CA
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LinkedIn
Donald Can Help With:
About Me
25 years helping clients as their trusted advisor on Medicare supplements, Medicare Advantage plans and Part D drug coverage. My services are free and I can offer all carriers!
Q&A with Donald Heath
What do you like most about being a Medicare agent?
Answer: I really like knowing that I am helping clients navigate a confusing landscape of choices. I am very good at explaining how the plans work and helping them arrive at a selection that they understand and want.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: They are never free. Many plans are zero premium but they all have co-pays and co-insurance for certain services. They do, however, all have a annual max out of pocket to limit annual costs for the subscriber. The key point to know is that you are assigning your Original Medicare benefits to a private Insurance carrier...Humana, UHC, etc. The reason they are zero premium is because Medicare pays them a monthly fee to manage your health care. There are cases where this type of plan may not be a good fit.
How do you stay up to date with changes in Medicare policies and plan options each year?
Answer: Every year I have to re-certify with Medicare. This is a multi-hour process of study and then a final exam which must have a 90% score to remain certified by Medicare to be an agent that can sell Medicare products. Additionally, each carrier I represent (about 12-15 each year) has their own compliance study and tests to certify knowledge to sell their plans each year. These also have to be completed with a 85-90% score. I complete all this over a 1-2 week period each year to be compliant for Medicare Annual Enrollment which runs from Oct 1-Dec 7.