Jose Solis-Flores, Medicare Insurance Agent
Jose Solis-Flores
Medicare Agent Licensed in OH, CA, IN, NM, NV, OK, SC and TX
Contact Details
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Location
Cleveland, OH
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Phone
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Website
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Schedule An Appointment
About Me
Hello, I'm Jose, your friendly neighborhood insurance and financial advisor. Backed by a company with over 25 years in business and experience, we can navigate the array of plans available nationally and locally esteemed companies on your behalf. Don't worry, the insurance companies pay us directly so our services are provided free of charge! Contact me or schedule a meeting to ensure you have peace and confidence knowing you chose the correct plan.
Q&A with Jose Solis-Flores
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: Want results, not just promises? We deliver. For 25+ years, we've been focused on securing the best possible outcomes for our clients, leveraging our extensive network of healthcare providers to find the perfect fit for your specific needs. Forget cookie-cutter solutions; we're all about personalized strategies that maximize your financial security and healthcare access. Let us put our experience to work for you—you deserve the best, and we'll make sure you get it.
How do you educate clients who are completely new to Medicare?
Answer: We know this process can be extremely confusing with so much information out there and everyone sending you a bunch of crap in the mail.
In one convenient appointment, you'll:
- Get clear, personalized advice from our licensed insurance experts with over two decades of experience.
- Explore different Medicare parts and how the are relevant to you. We help find plans and options to find the perfect fit for you and your budget.
- Get answers to all your questions in a no-pressure setting.
I’m on Original Medicare with no supplement, and I’m wondering how much I’d pay if I need an ambulance ride to the hospital tomorrow.
Answer: Original Medicare generally covers ambulance services when they are medically necessary. This means that transportation in any other vehicle could endanger your health. This coverage applies to both emergency and certain non-emergency situations.
Your Potential Costs:
- If Medicare covers your ambulance trip, you'll typically be responsible for 20% of the Medicare-approved amount.
- You'll also need to meet your Part B deductible for the year before Medicare begins to pay its share.
The actual cost of an ambulance ride can vary significantly depending on factors such as:
- The distance traveled.
- The level of care provided during transport (e.g., basic life support vs. advanced life support).
- Your location.
What is the biggest disadvantage of Medicare Advantage?
Answer: While Medicare Advantage (Part C) plans might seem appealing, it's crucial to understand the potential downsides.
You'll be restricted to the plan's network of doctors, which can result in substantial costs for out-of-network care and difficulty accessing specialists. Although monthly premiums are often low or nonexistent, you'll face a hefty annual maximum out-of-pocket—potentially between $4,000 and $10,000.
The biggest disadvantage in our opinion, is you must expect delays. Specialist referrals and network limitations can hinder timely access to necessary care.
What’s one Medicare decision that too many people regret later?
Answer: One Medicare decision that too many people regret later is not enrolling in a Medigap (Medicare Supplement) plan when they were first eligible.
Here's why:
Guaranteed Issue Rights:
- When you first become eligible for Medicare Part B, you have a guaranteed issue right for Medigap plans. This means insurance companies cannot deny you coverage or charge you higher premiums due to pre-existing health conditions.
Later Costs:
- If you delay enrolling in a Medigap plan and develop health issues later, you may find it difficult or expensive to obtain coverage.
- Insurance companies can then use medical underwriting to deny coverage or charge significantly higher premiums.