June Anguiano, Medicare Insurance Broker
June Anguiano
Solicitude Medical and Life Insurance Agency, LLC
Medicare Broker Licensed in IL
Contact Details
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Location
Mundelein, IL
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Phone
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Website
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About Me
Medicare shouldn’t feel like a sales pitch.
I’m an independent Medicare insurance broker who believes choosing Medicare coverage should start with a conversation—not pressure.
Whether you’re turning 65, reviewing your coverage during Annual Enrollment, or simply trying to understand your options, I take the time to listen, answer your questions, and explain things in plain English. My goal is to help you understand how Medicare works and feel confident making a decision that fits your needs.
As an independent broker, I can help you compare Medicare Advantage, Medicare Supplement, Part D, and ancillary coverage options from multiple carriers.
Have a question? Ask me. There’s no need to have everything figured out before we talk.
Q&A with June Anguiano
What are the potential issues for someone under 65 on SSDI who has Medigap Plan N in New York and wants to move to a lower-cost state?
Answer: Best case scenario is your current insurance carrier has the same plan in the new state. As long as you are not changing carriers and plans, then what is likely to happen is that you will get a rate adjustment based on your new zip code.
If you need (or want) a different carrier, the issue will be whether or not you get guaranteed issue protections. If you do, GREAT! If not, then you run the risk of not having a Medigap plan that will accept your current conditions OR a Medigap plan that is very expensive.
Best course of action is to "look before you leap." Before deciding whether or where to move, compare local rates and state-specific under-65 Medigap rules in the destination state.
My Part D plan won't cover the drug my doctor prescribed until I try a cheaper one first. Is that allowed, and what can I do about it?
Answer: I understand that is frustrating. But to answer your question, yes, that is allowed. Medicare has systems in place to keep costs down. If your doctor believes that the lower cost medication is harmful to you or medically inappropriate, you do have the right to appeal.
You or your doctor would ask your plan for a Formulary Exception through a standard request online, phone or mail. Your doctor can also give you or send in for you a statement or a Letter of Medical Necessity. The last thing to do is wait. It should take around 3 days. If that's too long to wait, you can send an Expedited Request. If it's still denied, you can file a Level 1 Appeal. You will have 60 days from the denial date to submit that formal appeal (Redetermination) through the drug plan.
I am not collecting Social Security yet, so why is my first Medicare bill for three months at once and how am I supposed to pay it?
Answer: Since you are not drawing Social Security benefits, you are receiving the bill for your Medicare directly. Their billing cycle is quarterly. Medicare has several ways to pay through an auto draft from your bank account (Medicare Easy Pay), going to Medicare.gov to pay directly online, by mail if you like sending checks or money order, or you can go through your bank to set up the bill pay. Once you start drawing Social Security benefits, Medicare will automatically deduct your premiums from that.
What is a Medicare OTC card, and how do I find out if my plan includes over-the-counter benefits?
Answer: For those who choose to have a Part C plan, they receive extra benefits as part of being members of that plan's network. The OTC card typically is a prepaid card that allows its members to buy eligible health and wellness products at no additional cost. When your broker explained to you your health plan, they should have shown you your plan's Evidence of Coverage which tells you if they have an OTC card and what is considered eligible. You could review that document (also called a Summary of Benefits), log into your member portal for your health plan, reach back out to your broker, or call your plan's Member Services line.
Can I be turned down for a Medicare Supplement plan because of a pre-existing condition?
Answer: When you turn 65 (or if you're older due to retirement) and enroll in Medicare Part B, you enter a period that will allow you guaranteed acceptance into a Medicare Supplement plan. This is good news if you know you have a pre-existing condition because you will not be turned down. It's a specific window of time that comes with that first enrollment into Part B. Outside of that window of time, the only other way to bypass medically qualifying for a supplement plan is by experiencing an event where you lose your health coverage at no fault of your own, or if you are in a 12 month trial period to see if you like Part C. If none of that applies, your pre-existing condition may be a determining issue.
What are the reasons why I should work with a Medicare agent?
Answer: Medicare can feel very complicated and frustrating when you are left to do it on your own. That doesn't mean it can't be done. Many people learn and figure it out. But having the peace of mind that you have your medical properly set up and (if you're working with a broker) a plan you may not have found without the insights of someone who understands the industry, can and does prove to make the process better each year that you review your coverage.