Fewee Bondad, Medicare Insurance Broker
Fewee Bondad
Medicare Broker Licensed in LA, AZ, NC, OK, SC and TX
Contact Details
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Location
Monroe, LA
About Me
Hi, I’m Fewee — your friendly neighborhood Medicare advisor. I know Medicare can feel confusing, so I’m here to make everything easier and help you find a plan that truly fits your needs and your budget.
I’m licensed in North Carolina, Texas, South Carolina, Oklahoma, and Louisiana, and I work with many trusted national and local insurance companies. I’ll walk you through your options in plain, simple language and help you feel confident about your choices. And the best part is — my help is completely free.
If you’d like to look at your Medicare options, I’m right here for you. And if you know someone else who could use a little guidance, I’d be grateful if you passed my name along.
Feel free to mention that you found me on Medicare Agents Hub.
Q&A with Fewee Bondad
Can I change my Supplemental/Medigap plan at any time?
Answer: Yes, you can choose change your supplement / medigap plan at anytime. However, it does not mean that you will be approved by the new medigap plan that you want to change to. Most states require underwriting for approval. Until that is reviewed, you could be denied or approved depending on what they find on your health history. So even if you apply, new coverage will not take effect until approval.
Are Medicare plans and requirements different for every state?
Answer: Medicare itself is the same in every state regarding Part A and Part B. However, Medicare options such as Advantage plans and drug plans can differ by state, zip code, or county. Those plans can differ in premium cost, networks, and extra benefits.
How much do agents charge to help clients to enroll
Answer: AGENTS DO NOT CHARGE TO HELP CLIENTS ENROLL. There are not extra costs added to a plan or no hidden charges. The cost of each individual plan is the same across all platforms. Having a personal agent that you can trust just makes it easier for seniors to call and talk to the same person all year long regarding their plan.
What should I do if I find out that my preferred hospital isn't in-network with my Medicare Advantage plan?
Answer: If you are in an enrollment period that allows you to change your plan, then you may try to find a plan that covers your preferred in network hospital. If you are not able to change your plan or can't find a plan in your financial budget, you must check with your plan and use an in-network provider or you could/ will be responsible for 100% of the cost going out of the network.
I'm worried about the 'donut hole' in my Part D plan. How do I manage my medication costs once I enter it?
Answer: There is no longer a donut hole for Part D plan. There is only a MOOP - Maximum Out of Pocket for covered medications on your drug plans formulary. For 2025 it was $2000. Once that out of pocket expenses was reached, all other meds on your drug plans formulary is 0 cost. For 2026 MOOP will be $2100.
Which Medicare Supplement plan (Medigap) offers the best value for most seniors, and why?
Answer: Plan G offers the best value for seniors. Average monthly cost is considerably less than Plan F. It only requires around $257 part b deductible depending on the plan year, then it helps covers most of the gaps on the 20% portion that is not covered by Medicare.
Why do some people regret choosing a Medicare Advantage plan over Original Medicare?
Answer: I would say that it is more of a misunderstanding in processing. Since advantage plans are managed care, certain services need to be preauthorized before services can be provided. Sometimes the wrong documents are filled or filled incompletely for approval so services are denied. On original Medicare, there usually are no pre-authorizations required. If its covered by Medicare, then if you have a supplement, your supplement will cover the coinsurance. However, that is changing for 2026. There will be pilot program in several states requiring pre-authorizations even with Original Medicare.
How do you explain to clients that "zero-premium" doesn't mean "zero-cost" with Medicare Advantage?
Answer: I would explain what premiums means first which is the monthly cost to keep the plan. But with the plan comes some expenses as you see your doctors or take exams. These would be copays coinsurances and deductibles. So I would explain what each of the terms mean so that they fully understand.
Does Medicare cover Breztri?
Answer: Normally, Medicare will cover it but it depends on the plan you are on and what formulary they use. So it’s important to ask the agent assisting in your enrollment to check. You may have to meet your deductible first and also pay copays.