Julio Palencia, Medicare Insurance Agent
Julio Palencia
Julio Palencia Services
Bilingual English & Español
Medicare Agent Licensed in TX
Contact Details
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Location
Fort Worth, TX
Julio Can Help With:
About Me
Greetings! I'm Julio, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Julio Palencia
I just moved to a new state. Do I need to do anything with my Medicare coverage?
Answer: Yes
You should do an evaluation in your new Zip code about what is the best plan in base in your needs
Part A Inpatient Hospital deductible $1,676 but if I have Part C Advantage Plan, the hospital $350 copay per day 1-7 so how does this work?
Answer: If you have Original Medicare (Part A and Part B), you’d normally pay the Part A inpatient hospital deductible, which in 2025 is $1,676 for each benefit period. After that deductible is paid, Medicare covers most of the cost for your hospital stay.
However, if you have a Medicare Advantage (Part C) plan, that plan replaces Original Medicare coverage. You do not pay the Part A deductible — instead, you follow your plan’s own cost-sharing rules.
For example:
If your Medicare Advantage plan says $350 copay per day for days 1–7, that means each day you’re in the hospital (up to 7 days), you pay $350 per day. After that, the plan usually covers 100% for the rest of your stay (days 8–90), depending on the plan’s terms.
So in short:
You don’t pay both the Part A deductible and the $350 per day.
The Part C plan’s copay schedule replaces Medicare’s deductible and coinsurance.
Always check your Evidence of Coverage (EOC) for your plan’s exact inpatient hospital costs.
Are there any guidelines I should follow when filling out my Medicare application?
Answer: Guidelines for Seniors Filling Out a Medicare Application
Filling out a Medicare application is an important step in securing your health coverage as you age. To help make the process smoother and avoid mistakes, here are some key guidelines to follow:
1. Know when you’re eligible and what enrollment periods apply
You’re generally eligible for Medicare when you turn 65, or earlier if you have certain disabilities, end-stage renal disease (ESRD), or ALS.
The Initial Enrollment Period (IEP) is a 7-month window: 3 months before your 65th birthday, the month of your birthday, and 3 months after.
If you miss the IEP, you may have to apply during a General Enrollment Period (January 1–March 31 each year) and could face late enrollment penalties.
If you (or your spouse) are working past 65 and have employer group health coverage, you may qualify for a Special Enrollment Period to delay Medicare without penalty.
Center for Medicare Advocacy
2. Gather all required documentation ahead of time
Before you begin filling out the application, make sure you have:
Your Social Security number
Proof of citizenship or legal residency
Your date of birth
Information about your current health insurance (if any)
If applying for Part B separately, the CMS-40B form is required.
Centers for Medicare & Medicaid Services
If your employer or spouse’s employer had group health coverage, you may need to submit CMS-L564 to document when coverage ends.
Having everything ready reduces delays and mistakes.
3. Fill out the application carefully and completely
Write legibly and avoid leaving blanks
Does Medicare cover chiropractic appointments?
Answer: Here’s a clear answer
Yes — Medicare does cover some chiropractic services, but only under certain conditions and with notable limits.
Here’s what you should know:
Medicare Part B will cover manual manipulation of the spine by a chiropractor when it is considered medically necessary to correct a “subluxation” (spinal misalignment).
UnitedHealthcare
However, Medicare does not cover other chiropractic services such as X-rays, massage, physical therapy, or acupuncture that the chiropractor may order.
Once your Part B deductible is met, Medicare pays 80% of the approved amount for the covered manipulation, and you are responsible for the remaining 20%.
Humana
If you are in a Medicare Advantage (Part C) plan, the coverage could differ. Some Medicare Advantage plans offer extras or broader coverage for chiropractic care beyond the basic Part B benefit.
GoodRx
Here’s how Medicare Advantage (Part C) handles chiropractic coverage:
✅ Medicare Advantage (MA) and Chiropractic Care
All Medicare Advantage plans are required to cover everything Original Medicare covers, including spinal manipulation for subluxation (when medically necessary).
👉 That means at least the same coverage Part B provides — manual spinal adjustments to correct a subluxation.
But here’s the extra part:
Many MA plans go beyond that. Depending on the insurer (like UnitedHealthcare, Aetna, Cigna, Humana, etc.), your plan may include additional chiropractic benefits
What is the biggest disadvantage of Medicare Advantage?
Answer: 1) Can no be used outside the country
2) They cut dental benefits increasing copays when the plans have money give back
As a senior, what should I know about the differences between Original Medicare and Medicare Advantage before I choose?
Answer: What Are They?
Feature Original Medicare Medicare Advantage (MA / Part C)
Who runs it Federal government (CMS), Private insurance companies contracted with Medicare
Structure: You have Part A (hospital) + Part B (medical). You can optionally add Part D (prescription drugs) and/or Medigap (supplement) to fill gaps. It replaces Original Medicare; MA plans must cover what Original Medicare covers (Parts A & B) and often include drug coverage (Part D) plus extras.
National Council on Aging
Coverage & Benefits
Core services
Medicare Advantage must provide at least the same benefits as Original Medicare (hospital, outpatient, etc.).
Medicare Interactive
But the way services are delivered (e.g., network restrictions, prior authorizations) can differ.
Medicare Interactive
NerdWallet
Additional benefits
Many MA plans offer extras that Original Medicare doesn’t (or only in limited form), such as vision, dental, hearing, fitness programs, telehealth, etc.
NerdWallet
UHC
Anthem
Prescription Drugs (Part D)
With Original Medicare, you must enroll in a separate Part D plan if you want drug coverage.
Medicare
Medicare Interactive
Most MA plans include drug coverage built in (MA-PD).
UHC
Wikipedia
Costs & Out-of-Pocket Exposure
Premiums
With Original Medicare, many people pay no premium for Part A (if they qualify) and a standard Part B premium.
Medicare
NerdWallet
With MA, you still pay the Part B premium and may pay an extra premium to the plan (some plans have $0 extra premium).
UHC
Wikipedia
Medicare Interactive
Cost sharing (deductibles, copays, coinsurance)
These vary quite a bit, especially in MA plans. You’ll want to look carefully at how much you’d pay for doctor visits, hospital stays, etc.
NerdWallet
Medicare Interactive
Out-of-Pocket Maximums
Original Medicare has no cap on how much you might have to pay in a year (unless you have supplemental coverage, li
I'm considering a smartwatch that monitors my heart rhythm for atrial fibrillation. Will Medicare help cover this type of wearable technology?
Answer: Medicare does not cover consumer smartwatches (like Apple Watch or Fitbit), even if they track atrial fibrillation. These are seen as wellness gadgets, not medical equipment.
But Medicare can cover heart-rhythm monitoring if your doctor prescribes a medical-grade device (like a Holter monitor or remote heart monitor) and oversees your care. In that case, Medicare Part B may pay for both the device and the monitoring service.
👉 If you just want a smartwatch, you’ll pay out of pocket.
👉 If you need medical monitoring for AFib, ask your doctor — Medicare may cover an approved device.
👉 Some Medicare Advantage plans may also offer wellness perks that include wearables, so check your plan.
Bottom line: Smartwatches aren’t covered, but doctor-ordered medical devices for AFib usually are.
How does losing a spouse impact my Medicare plan if I was on their employer coverage?
Answer: : When your spouse passes, your employer coverage through them usually ends. This gives you a Special Enrollment Period to sign up for Medicare or adjust your plan without late penalties. It’s very important to take action within those time limits to avoid gaps in coverage.