Joel Montilla, Esq., Medicare Insurance Broker
Joel Montilla, Esq.
Best Option Health & Legacy
Medicare Broker Licensed in FL
Contact Details
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Location
Orlando, FL
About Me
Hello, I'm Joel, 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 Joel Montilla, Esq.
What are the reasons why I should work with a Medicare agent?
Answer: You will receive personalized services throughout a complex process, and you would benefit by having an agent advocate on your behalf.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: It depends on the financial needs of the applicant. It isn't free in the sense that taxpayers pay into a fund throughout their workable (or "accumulating years"), which then pays to help maintain and manage our aging population's health needs when they are older. However, there are some plans that have $0 premiums.
Some applicants who receive state benefits or have a qualifying condition may qualify for financial assistance with Medicare Advantage plans. However, there are other costs, such as out-of-pocket costs, Part B premiums paid directly to the government, and other shared costs that have to be considered as well.
What's the biggest frustration Medicare agents have when helping clients enroll?
Answer: Helping clients differentiate between "price" vs "cost," and helping them understand insurance needs during maintaining your health is different from insurance during a need, urgent, or an emergency event!
How can I select the right healthcare company and representative to work with?
Answer: perform a needs based analysis of your health and the needs of an agent to help you meet those needs; then, interview and decide on an agent that isn't into high pressure sales rather helps you properly plan for when you need insurance
I want to be proactive about my health. What preventive services should I be taking advantage of with Medicare?
Answer: Exercising and receiving credit for doing so, if your plan offers it, and nutrition. Monitor your progress every year, year after year.