John Zentner, Medicare Insurance Agent
John Zentner
Medicare Agent Licensed in CA
Contact Details
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Location
Seal Beach, CA
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Phone
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John Can Help With:
About Me
Hello! I'm John, your trusted Medicare agent in the area. My specialty is Medicare, and I'm passionate about helping you select the ideal plan that caters to your individual needs and budget. I'll efficiently sort through plans from reputable national and local companies, saving you time and effort. Best of all, my services are provided at no cost to you. Contact me to discuss your Medicare choices and don't forget to mention that you found me on Medicare Agents Hub!
Q&A with John Zentner
What do you like most about being a Medicare agent?
Answer: Medicare can be very complicated and frustrating for consumers trying to figure it all out on their own. I very much enjoy assisting people navigating these complexities and simplifying the process for my clients. I love that using my many years of experience, we together can find the very best option for someones needs and budget concerns.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: While many Medicare Advantage plans have "Zero Premium", they are not "free" in that they do come with certain copays and out of pocket expenses that require some costs in most cases. While for many, they are the best way to go for coverage and protection, I like to always educate my clients on all options that could best be of benefit for their unique circumstances and needs.
I'm considering genetic testing to assess my cancer risk based on family history. Will Medicare cover this preventive approach in my situation?
Answer: Medicare can cover genetic testing to assess cancer risk based on family history, especially for individuals with a known issues in their family or who meet specific criteria for hereditary cancer risk assessment. However, Medicare generally doesn't cover genetic testing for pre-symptomatic screening or to simply determine an individual's risk of developing an inherited condition. It is always best to check your plan first to make sure there are no hidden cost surprises.
A Medicare supplement broker told me something about "extra lifetime reserve hospital days". What are those and how do they work?
Answer: Medicare will give you 60 lifetime reserve days for inpatient hospital care beyond the initial 90 days in a benefit period. These reserve days are used to cover some of the costs after the first 90 days of inpatient care have been used. After using all 60 lifetime reserve days, the individual is responsible for all costs.
How can I select the right healthcare company and representative to work with?
Answer: In most areas, there are many excellent Medicare plans to choose from. You can compare plans using tools like the Medicare Plan Finder on Medicare.gov. It is important to consider cost, coverage, benefits and provider network.
It is always a good idea to seek advice from a Medicare-certified professional, such as an insurance agent specializing in Medicare, or an independent Medicare consultant. Reviewing agents online reviews such as Google Reviews is always a good idea to make sure the individual is experienced and professional.
What's the difference between a Medicare broker and a Medicare agent?
Answer: A Medicare agent usually will only represent and work with one insurance company or possibly a select few, limiting benefit options. A Medicare broker, on the other hand, works for the consumer, comparing plans from multiple insurance companies to find the best fit for their needs and budget.