Gina Delgado, Medicare Insurance Broker
Gina Delgado
Tx-Sure
Bilingual English & Español
Medicare Broker Licensed in TX
3+ Years of Experience
Contact Details
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Location
Corpus Christi, TX
About Me
Hi, my name is Gina and I am your local Medicare insurance agent. Medicare is my specialty and I am dedicated to helping you find the best plan that fits your specific needs and budget. I will take on the task of searching through plans from nationally and locally recognized companies so that you don't have to. Best of all, my services come at no cost to you. Get in touch with me today to explore your Medicare insurance options. Be sure to mention that you found me on Medicare Agents Hub!
Q&A with Gina Delgado
Can you help me understand Maximum Out-of-Pocket (MOOP) limits in Medicare plans, from your experience as an agent?
Answer: The Maximum Out-of-Pocket (MOOP) is a protection built into Medicare Advantage (Part C) plans. It sets a cap on how much you would ever spend out of pocket in a calendar year for covered Part A and Part B medical services.
Here’s how it works in practice:
Every time you see a doctor, specialist, or go to the hospital, you pay the plan’s copayments or coinsurance.
Those costs keep adding up until you reach the plan’s MOOP.
Once you hit that limit, the plan pays 100% of covered Part A and Part B services for the rest of the year, meaning you won’t have any more out-of-pocket costs for those services.
Prescription drugs (Part D) are not included in the medical MOOP. From my experience, clients often find this feature reassuring because it gives them a “worst-case scenario” number, so they know the most they could ever be responsible for in a year.
Does Medicare cover vision care?
Answer: Original Medicare doesn’t cover routine eye exams, glasses, or contacts. It only helps with eye care related to medical issues, like cataract surgery or glaucoma. For routine vision benefits, you’d need a Medicare Advantage plan or separate vision insurance.
What are the reasons why I should work with a Medicare agent?
Answer: Working with an agent gives you personalized guidance, plan comparisons, help lowering costs, and ongoing support and all at no extra cost to you.