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.