Jeremy Purse, Medicare Insurance Broker
Jeremy Purse
Inland Empire Medicare Insurance
Medicare Broker Licensed in CA, AL, AZ, FL, MT, NV, SD and TX
13+ Years of Experience
Contact Details
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Location
Yucaipa, CA
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Phone
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Website
Jeremy Can Help With:
About Me
Hello! My name is Jeremy Purse and I have been serving the Inland Empire as a trusted Medicare Broker since 2012. My goal as an agent is to educate and help you find the most suitable plan for your individual needs. I take pride in providing consistent help year over year ensuring that your Medicare plan continues to be a good fit. Many of my clients have trusted me as their agent for 10+ years. As a broker contracted with multiple companies, I am able to compare many different plans. This ensures you have the most appropriate plan to meet your specific needs. I am licensed in CA, AZ, TX, FL, MT, SD and AL. I look forward to hearing from you.
Q&A with Jeremy Purse
I'm turning 65 next month and the amount of Medicare mail I'm getting is overwhelming. How do I sort through all this?
Answer: First thing is to confirm whether or not you need to apply for Medicare Part A & B. This will typically happen automatically if you are already collecting Social Security. If you are not, you will need to apply online at Medicare.gov or go in person to the Social Security Office.
Second will be to schedule a meeting with me either over the phone or in person. We can go over the plans that accept your Medical Group/Doctors as well as do a comparison on the cost of your prescription drugs. Give me a call with any questions.
I live in California but might move to another state next year. How will my Medicare coverage change if I relocate?
Answer: We will look up which companies are available in the new zip code you are moving to. If there is a particular Medical Group or doctor you would like to have, we can confirm which plans they accept. Finally, we will compare costs and extra benefits to narrow in on a new plan that is right for you.
Does Medicare Advantage cover home health care?
Answer: In some instances yes. A Medicare Advantage Plan can cover limited Home Healthcare after a surgery or hospitalization. Often times, your Primary Care Physician will need to request this type of care from the insurance company.
I'm still working at 67, and I don't know if I need Part B. Why is something so basic so hard to figure out?
Answer: If you are still covered under an Employer Group Health Plan, you can delay your Part B until you retire or lose your health insurance. Once you know your insurance through your employer will be ending, apply for Part B and submit CMS Form L564 to prove to Medicare that you had credible coverage from the time you turned 65. This will help avoid a Part B Late Enrollment Penalty.
I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?
Answer: First steps would be to apply for Medicare Parts A & B if you have not already done so. Second, would be to schedule an appointment with me to go over your needs and plan options.
I just enrolled in Medicare, and I've got my Part A and B, but I'm hearing there are gaps in coverage. What are these gaps exactly?
Answer: Without enrolling in a Medicare Advantage or Supplement Plan, you will have to pay the Part A Deductible when admitted to the hospital which is $1,676. You will also have to pay 20% for all of your outpatient procedures covered under Part B. When you are enrolled in a Medicare Advantage or Supplement plan, it will typically cover all of those out of pocket costs.
Why is the new $2,000 out-of-pocket maximum for drug costs important?
Answer: In years prior to 2025, the out-of-pocket maximum for drug costs was $8,000. It 2025 it was reduced to $2000.
Another important change for 2025 was the removal of the Coverage Gap (donut hole). Now members will pay a consistent copay all year long without potentially having a spike towards the end of the year.
What advice would you give to seniors who are feeling overwhelmed by all the Medicare options available?
Answer: Take time to meet with a trusted advisor like myself. We are able to help you narrow down potential plans by finding out your needs for doctors, extra benefits and prescriptions.
Do I have to apply for Medicare if I am still working past 65?
Answer: It depends. As long as you have credible health coverage you can delay applying for Medicare. If you don’t have credible health coverage, you will be penalized if don’t apply for Medicare when you turn 65.