Justin Sonon, Medicare Insurance Broker
Justin Sonon
Sonon Insurance, LLC
Medicare Broker Licensed in PA, DE, FL, IL, MD, NJ and SC
Contact Details
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Location
Exton, PA
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Phone
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Justin Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Affordable. Reliable. Experienced. We work with multiple carriers in several states, including PA, NJ, DE, MD, IL, SC and FL. We work with Medicare supplements, advantage plans and prescription drug plans, as well as other lines of personal and business insurance, giving you a true one-stop shopping experience.
Directions to My Office
Q&A with Justin Sonon
What's one Medicare decision that too many people regret later?
Answer: One regret people can have with Medicare is if they sign up for an Advantage plan and later after being diagnosed with health problems trying to apply for a Medigap plan, forgetting that they are subject to medical underwriting approval.
What is one of the the most common misconceptions people have about Medicare?
Answer: People have the misconception that they cannot switch their Medigap plans throughout the year, when in fact, you can.
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: Choosing a Medicare prescription plan or Advantage plan based solely on the plan premium can be a costly mistake.
I've been on a Part D plan for a while, and I'm wondering why my generic prescriptions suddenly cost more. Did something change?
Answer: Plan formularies can change from year to year, as well as plan deductibles and copays, so it's always best to check your prescription options annually or as your prescriptions change.
Can I change my Supplemental/Medigap plan at any time?
Answer: Contrary to popular belieft, Medigap plans can be changed throughout the year. You can also change them when moving to a different state throughout the year if desired.
How do Medicare Savings Programs help with Medicare costs?
Answer: Medicare Savings Programs (MSP) can help people with limited income cover their Medicare premiums, deductibles and other costs like co-insurance. This is also known as a Medicare Buy-In program.
Eligibility can be vary by state. Extra help with Medicare Part D drug costs can by applied for simultaneously with the MSP. Income and resources can also vary by state, however most states use income and resource limits based on the Federal Poverty Level (FPL).
Types of MSPs include:
Qualified Medicare Beneficiary (QMB) which helps pay for Part A and B premiums, and covers cost- sharing for Medicare-covered services.
Specified Low-Income Medicare Beneficiary (SLMB) which helps pay for Part B premiums.
Qualified Individual (QI) which helps pay for Part B premiums.
Qualified Disabled Working Individual (QDWI) which helps part Part A premiums for individuals under age 65 who a disabled and have returned to work recently.
You can apply through your State Medical Assistance office (Medicaid).
How does life insurance contribute to financial planning?
Answer: Life insurance can provide a tax advantaged way to pass on wealth and lower your final expense costs without financial risk.
What do seniors often misunderstand about Medicare's coverage for long-term care?
Answer: Seniors often don't realize that long-term care coverage is not typically covered by Medicare plans.