Heather Saiki, Medicare Insurance Agent
Heather Saiki
Heather Saiki Health Insurance Service
Medicare Agent Licensed in CA
13+ Years of Experience
Contact Details
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Location
Redding, CA
Heather Can Help With:
About Me
I’m a Medicare supplement agent who offers many carriers. We have multiple products to meet everyone’s needs. I’m also a RSSA (registered social security analyst). I can help you plan for your Social Security funds and apply for your benefits. Medicare and Social Security go together.
Q&A with Heather Saiki
Do I need long-term care insurance if I already have Medicare, and what age should I buy it?
Answer: Medicare does not cover long term care. You need to review your finances to see if you can afford long term on your own.
Will my prescription drugs be covered under any plan I choose?
Answer: No your drugs will not be covered with any plan. You will need to find a plan that specifically covers your medications. Each carrier covers drugs in each category but it may not be your medication.
I have Original Medicare, and I'm wondering if I'd save more on my dental cleanings if I switched to a Medicare Advantage plan instead.
Answer: It depends on where you live on what types of advantage plans are available. Also would need to confirm if your dentist is a provider for the Medicare advantage plan.
What are the pros and cons of Medicare Supplement Plan G VS Medicare Supplement Plan N?
Answer: Once you hit your deductible with plan G you do not have copays and Medicare excess charges are covered. Plan N you could be charged excess charges and will have copays after deductible was met.
How to know if a Medicare agent is legitimate?
Answer: Check their license status through the state board of insurance. Ask to see their license. It should be posted in their office.
Should I review my ANOC with my Medicare agent?
Answer: You should always review your ANOC each year with your agent. The plans change every year. You don’t want to get stuck in the wrong plan.