Luisa Alvarez, Medicare Insurance Agent
Luisa Alvarez
Jar Insurance
Medicare Agent Licensed in CA
Contact Details
-
Location
San Diego, CA
About Me
Located in San Diego and serving all California. As your Medicare advisor I'm dedicated to providing clear personalized support to help you confidently understand your health insurance options.
Ubicado en San Diego y sirviendo a toda California. Como su asesor de Medicare, me dedico a brindarle apoyo claro y personalizado para ayudarle a comprender con confianza sus opciones de seguro médico.
Q&A with Luisa Alvarez
My Medicare Advantage plan advertised dental coverage, but it barely covers anything. Is this normal?
Answer: It is normal that they may cover less than others but there are plans on the market that do cover more comprehensive services such crowns, restoration, implants, maxilofacial surgery etc.
Do Maximum Out-of-Pocket (MOOP) limits change every year?
Answer: Yes but how and why they change depends on the type of coverage. For Medicare Advantage plans, the federal government sets an annual maximum out-of-pocket limit, and that cap can change each plan year based on cost estimates, inflation, and CMS rules.
What are the reasons why I should work with a Medicare agent?
Answer: We are contracted with many different plans and we can help you choose the rights plan that suits your needs and help you navigate with the best options so you can make an informed decision.
I picked the plan with the lowest premium, but now every doctor visit feels like a surprise bill. Should I have gone with a higher premium instead?
Answer: It depends of which plan you are enrolled, there are low premium or zero premium plans which also have no copays for drs visits, which health plan are you with?