Gina Landers, Medicare Insurance Broker
Gina Landers
Rogue Valley Insurance Partners LLC
Medicare Broker Licensed in OR, AZ, CA, NV and WA
28+ Years of Experience
Contact Details
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Location
Medford, OR
About Me
Hey there, my name is Gina, and I am your local Medicare advisor/broker. 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 Gina Landers
What's the most important question I should be asking about Medicare that I probably haven't thought of yet?
Answer: For Medicare Advantage plan beneficiaries: Are all my doctors, hospitals in the network and are all my medications covered and how much will my costs be?
For Medicare Supplement plan and Part D beneficiaries: What are my options when my Medicare supplement plan premiums increase?
When can I review and change my Medicare Part D plan?
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: With a Medicare Advantage HMO plan you are not able to access providers OUT of Network on a NON-Emergency basis, therefore you will not receive benefits for those providers.
If you have a Medicare Advantage HMO-POS, you may be able to access certain providers OUT of Network and receive benefits.
You can however, receive OUT of network benefits for a medical emergency or urgently needed care.
A Medicare Advantage PPO plan allows you to receive benefits for IN and OUT of network providers. You may pay a higher out of pocket amount for receiving care from an OUT of network provider.
The OUT of network "Out of Pocket limit" will be higher than if using ALL IN network providers.