Joey Gutierrez, Medicare Insurance Broker

About Me

Hi! My name is Joey, and I am your dedicated Medicare consultant and agent. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!

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Q&A with Joey Gutierrez

How can I estimate my total Medicare costs if I have a chronic condition like diabetes?

Answer: One I can assist with your drug costs because we use a drug cost estimator.

Two depending on the plan, we can review the costs for your services.

Is my Medicare deductible supposed change from year to year?

Answer: This is not a "yes" or "no" answer. This is a wait and see. Historically they have changed each year.

Is it ok to work with a Medicare Agent from another state?

Answer: If they are licensed in your state - yes. Is it recommended...No. Historically local agents are there to provide face to face service and understand the local networks best. This is my opinion and it is up to you to make your own decision using your own criteria.

I picked a Medicare Advantage plan based on the low premium, but now I'm facing high copays. Did I make a mistake?

Answer: I don't feel a mistake was made. I feel whoever helped you with the new plan did not present it thoroughly with all the additional benefits. But I don't know the exact situation.

What's your go-to strategy for helping someone decide between Medicare Advantage and Medigap?

Answer: A thorough needs analysis and benefit comparison and cost comparison where you understand the difference.