Janet Cruz, Medicare Insurance Broker
Janet Cruz
Hablo Español
Medicare Broker Licensed in FL
10+ Years of Experience
Contact Details
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Location
Fort Myers, FL
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Phone
About Me
Greetings! I'm Janet, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Janet Cruz
I've heard that once you're on Medicare, you might not need life insurance as much. Is that true?
Answer: It depends Medicare and Life Insurance are two separate entities.
Medicare covers:
Hospital Stays Part A
Medical Services Part B
Prescription Drugs Part D
Some preventive and outpatient care.
It does not provide Life Insurance.
Life Insurance provides a death benefit to your beneficiaries after you die.
Funeral/ Burial Expenses
Debts
Final Medical Bills
Estate Taxes
Bottom Line, Medicare doesn’t replace life insurance. You might want to have a small policy if you don’t want your loved ones burdened with final expenses or if you want to leave something behind.
I live in California but might move to another state next year. How will my Medicare coverage change if I relocate?
Answer: Medicare parts A and B is portable in all 50 states which means it doesn’t change.
If you have a Medicare Advantage Plan, a Medicare Supplements or a Part D they are all state specific. You may have to change your plan based on the state you move to if you have any of these.
Otherwise, just update Social Security with your address.
I picked a Medicare Advantage plan based on the low premium, but now I'm facing high copays. Did I make a mistake?
Answer: Many people choose Medicare Advantage (MA) plans based on low or $0 premiums, only to find out later that copays, coinsurance, and out-of-pocket costs can add up, especially if you need frequent care.
Here’s a breakdown of a Medicare Advantage Plan, in my opinion
1. Low premium = higher cost-sharing: Plans with $0 or low monthly premiums often have higher copays for services like specialist visits, hospital stays, or physical therapy.
2.If you’re generally healthy and rarely need care, these plans can save you money. But if your health needs increase, the out-of-pocket costs can spike.
3. Networks can be limited: Some MA plans also have narrow provider networks or require prior authorizations, which can affect access and costs.
Whenever you have a Medicare Advantage plan, pay attention to the maximum out of pocket costs, which is usually $4,000-$9,000 annually depending on the plan.Compare it to what you’re spending and see if it makes sense.
This wasn’t a mistake it was a trade off based on what you knew and expected.
I hope this helps.