Irma Lopez, Medicare Insurance Broker
Irma Lopez
Bulnes Insurance Services
Hablo Español
Medicare Broker Licensed in TX, AL, FL, LA, MI and NE
13+ Years of Experience
Contact Details
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Location
Allen, TX
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Phone
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Website
About Me
Hello, I'm Irma, your neighborhood Medicare insurance advisor. My expertise lies in the realm of Medicare, and my mission is to assist you in identifying the perfect plan tailored to your unique requirements and financial capacity. Allow me to navigate the array of plans available from both nationally and locally esteemed companies on your behalf. And don't worry, my services are provided free of charge! Contact me to discover your Medicare insurance alternatives and don't forget to mention that you discovered me on Medicare Agents Hub!
Q&A with Irma Lopez
What do you like most about being a Medicare agent?
Answer: Becoming a resourceful asset for those who don’t know where to begin is what I like the most about being an agent. My clients are not a number, they’re individuals looking for answers. A satisfied beneficiary is my reward.
Can you explain what "creditable coverage" means and when it applies?
Answer: Creditable coverage refers to the comparison of private insurance coverage through an employer that provides at least as good as the standard Medicare part D benefit. If you are receiving benefits from your current employer or from your spouse’s employer, that is as good as the Medicare part D benefits, then you shall not be penalized for not enrolling during the initial enrollment period. Once your private insurance cease you can enroll in Medicare Part D or a Medicare Advantage Plan with Prescription through a Special Enrollment process.
I applied for a Medigap plan and got denied because of my health history-how is that even legal when I've paid into Medicare for years?
Answer: Underwriting is required if you don’t enroll during the Open Enrollment which is 3 months before you turn 65 or by no later than 3 months after your birthday.
How has telemedicine enhanced personalized healthcare?
Answer: Telemedicine has been a great tool for people in remote areas or those who do not have a mean of transportation. These video conferencing sessions offer convenience and fast resolution to a health problem from the comfort of your own home. It enhances personalized service because it's still face to face (even though it's through videoconference) with your doctor.
What is one Medicare trend that you believe is having a positive impact on Medicare affordability? How is it making a difference?
Answer: One trend is the ability to sign up for a Medicare Advantage plans (some with $0 premium). These plans offer additional benefits such as dental vision & hearing coverage.
What role do annuities play in retirement planning?
Answer: At retirement the importance should be placed in principal protection and growth. These can be accomplished by looking into indexed annuities. If the market suffers a loss, your principal will not be affected. On the other hand, if the market goes up, your investment will grow.