Jeremy Proctor, Medicare Insurance Broker
Jeremy Proctor
Bill Proctor & Associates Insurance Services, Inc
Medicare Broker Licensed in CA, AL, AZ, CO, GA, HI, ID, IN, KY, MI, MN, MT, NC, NM, NV, NY, OK, OR, SC, TN, TX, UT, VA, WA, WI, WV and WY
20+ Years of Experience
Contact Details
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Location
Palm Springs, CA
Jeremy Can Help With:
About Me
Jeremy Proctor specializes in delivering customized insurance solutions to clients and the broader community. Recognized for his strategic leadership and client-centric approach, he has cultivated a strong and loyal client base. His unwavering commitment to transparency and education enables clients to make well-informed decisions regarding their coverage needs.
Directions to My Office
Q&A with Jeremy Proctor
Do I qualify for SEP if my health dramatically gets worse out of nowhere?
Answer: A sudden change in your health doesn’t automatically qualify you for an SEP. However, if you develop a qualifying chronic condition, you may be eligible for a Special Enrollment Period to enroll in an available Chronic Condition Special Needs Plan (C-SNP).
What are some ways to ensure your parents feel supported during the Medicare decision-making process?
Answer: Having helped my own mom navigate Medicare, I understand how personal and sometimes overwhelming these decisions can feel. I believe the best way to support a parent is to be patient, listen to what matters most to them, and help them understand their options without making the decision for them. Reviewing their doctors, prescriptions, healthcare needs, and budget together can help them feel more confident, while making sure they know they have someone they trust to turn to when questions come up.
What do you like most about being a Medicare agent?
Answer: What I like most about being a Medicare broker is building long-term relationships with my clients and helping make Medicare easier to understand. Medicare can feel overwhelming, and I enjoy helping people understand their options, make informed decisions about their coverage, and know they have someone they can turn to when they need help.
What are the signs that it's time for me to switch my Medicare plan, and how often should I review my options?
Answer: It’s a good idea to review your Medicare coverage every year, even if you're happy with your current plan. Consider making a change if your premiums or copays increase, your prescriptions are no longer covered as well, your doctors or hospitals leave the plan's network, or your healthcare needs have changed. Your plan can change from year to year, so an annual review helps make sure your coverage continues to fit your needs and budget.
I am on disability insurance Medicare now I will be 65 in October do I have to to sign up for Medicare again?
Answer: If you already have Medicare Part A and Part B because of a disability, you generally do not need to sign up for Medicare again when you turn 65. Your Medicare coverage continues automatically. However, turning 65 gives you a new opportunity to review your coverage options, including Medicare Advantage, Part D, and Medicare Supplement plans, so it’s a good time to compare what may be available to you.
I'm participating in a clinical trial for a new cancer treatment that uses personalized medicine based on my genetic profile. How does Medicare coverage work in this situation?
Answer: Medicare may cover certain costs when you participate in a qualifying clinical trial, including routine medical care, monitoring, and treatment of complications related to the trial. However, the experimental treatment itself and services performed solely for research purposes may not be covered and may instead be paid for by the trial sponsor. Because personalized cancer treatments and genetic testing can have specific coverage requirements, it’s important to confirm exactly which services will be covered before treatment begins.
What's the difference between a Medicare broker and a Medicare agent?
Answer: A Medicare agent and a Medicare broker are both licensed insurance professionals who can help with Medicare coverage. Generally, an agent may represent one or more insurance companies, while an independent broker typically works with multiple carriers and can compare options from the companies they represent. Neither necessarily represents every plan available, so it’s important to ask which insurance companies and plans they can offer.
When is the best time of the year to start looking at Medicare options?
Answer: The best time to start looking at Medicare options depends on your situation. If you're approaching age 65, it's a good idea to begin researching your options several months before your Medicare eligibility begins. If you're already enrolled in Medicare, reviewing your coverage each fall before or during the Annual Enrollment Period (October 15–December 7) can help ensure your plan continues to meet your healthcare and prescription needs for the coming year.
Is Medicare the same in every state, or does coverage vary?
Answer: Medicare is a federal program, so Original Medicare generally works the same nationwide. However, Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plan options, costs, provider networks, and availability can vary by state and service area. If you move or spend time in multiple states, it’s important to understand how your specific coverage works where you live and travel.
What are the reasons why I should work with a Medicare agent?
Answer: Working with a Medicare insurance broker can make navigating Medicare easier and less overwhelming. A licensed broker can help you understand your options, compare available plans, review your doctors and prescriptions, and find coverage that fits your individual needs and budget. Best of all, you'll have a knowledgeable point of contact to turn to when questions arise or your coverage needs change.