Hector Oceguera, Medicare Insurance Agent
Hector Oceguera
Medicare Agent Licensed in IL and WI
Contact Details
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Location
Chicago, IL
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TikTok
About Me
Hi! My name is Hector, and I am your dedicated Medicare consultant and agent. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!
**¡Hablo Español!**
Q&A with Hector Oceguera
What do you like most about being a Medicare agent?
Answer: What I love most about being a Medicare agent is the opportunity to make a real difference in senior's lives. I get to guide them through an often confusing process and help them find coverage that fits their needs. There’s nothing better than seeing the relief and peace of mind on their faces when they realize they’re in good hands.
How do you educate clients who are completely new to Medicare?
Answer: When I work with clients who are completely new to Medicare, I start by simplifying the process and focusing on what matters most to them. I break Medicare down into its basic parts A, B, C, and D then explain what each one covers in everyday terms, avoiding slang. I also help them understand important enrollment timelines and how costs like premiums, deductibles, and copays work.
Then, I take time to understand their personal health needs, budget, and any medications they take. This helps me guide them through their plan options and make sure they feel confident in their choices. I always remind them that there’s no such thing as a silly question. I’m here to support them every step of the way.
My Medicare Advantage plan listed my doctor, but now they say he's out of network. How is that even allowed?
Answer: Unfortunately, Medicare Advantage plans work with networks that can change at any time. Just because a doctor was listed as in-network when you enrolled doesn’t guarantee they’ll stay that way for the entire year.
Doctors can leave the network, or the plan might update their list—sometimes without much notice. That’s why it’s so important to review your plan each year.
If this causes a real issue with your care, there may be options like requesting continuity of care or considering a plan change during an enrollment period.
How can I estimate my total Medicare costs if I have a chronic condition like diabetes?
Answer: Great question! Managing a chronic condition like diabetes does come with ongoing healthcare needs, so it’s important to understand what costs you might face. Here’s how you can estimate your total Medicare costs:
1. Know What Parts of Medicare Cover
• Part A (Hospital Insurance): Covers hospital stays, skilled nursing, and some home health care. Most people don’t pay a monthly premium for Part A.
• Part B (Medical Insurance): Covers doctor visits, lab tests, outpatient care, and diabetes supplies like blood sugar monitors. There is a monthly premium, plus 20% of the Medicare-approved amount after the deductible.
• Part D (Prescription Drug Coverage): Helps with the cost of insulin and other medications. Costs vary based on the plan.
• Medicare Advantage (Part C): Some seniors choose these all-in-one plans that often include extra benefits for managing diabetes, like care coordination or fitness programs.
2. Estimate Your Costs
Here’s what to look at:
• Monthly premiums for Parts B, D, or a Medicare Advantage Plan.
• Deductibles – the amount you pay before Medicare starts covering costs.
• Copayments/Coinsurance – your share of the costs for services or prescriptions.
• Out-of-pocket maximums – some Medicare Advantage Plans limit how much you pay in a year.
3. Use Tools
• Medicare’s official website has a cost estimator.
• You can also speak with a licensed Medicare advisor who can help calculate your specific costs based on your medications, doctor visits, and plan options.
4. Ask About Extra Help Programs
There are programs that help with Medicare costs, especially for people with limited income. It’s worth checking if you qualify!