Marisol Adamo, Medicare Insurance Broker
Marisol Adamo
Marisol Adamo Insurance
Bilingual English & Español
Medicare Broker Licensed in WA, AZ, CA, NV and OR
6+ Years of Experience
Contact Details
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Location
Washougal, WA
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Phone
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About Me
Hello, I’m here to help you — in English or Spanish — understand Medicare and feel confident in your coverage choices. I began my insurance career in 2016 as a Life Insurance Agent, and during COVID I worked at a UnitedHealthcare call center assisting people with Medicare questions and enrollments. That experience showed me how many people felt confused or overwhelmed by their plans, and it inspired me to start my own business focused on education and support.
My goal is to make Medicare easier to understand and to guide you through each part of the program so you know exactly how your benefits work. I truly enjoy helping people and being a trusted resource for clear, up‑to‑date information. I also offer additional coverage options to help protect you from life’s unexpected events — and all of my services are free.
My Google Reviews
7 Total Reviews (5.0 )
March 7, 2026
Marisol is very knowledgable in her craft and her personality goes right along with it. Searches for best product for you and answers all questions in a timely matter. Love her a lot. Great lady!! She’s just not our agent she’s our friend !!!
February 16, 2026
Marisol is so responsive and helpful. She has a great attitude and is prompt in responding. Very thankful for her!
January 29, 2026
January 27, 2026
Marisol helped me change insurance. She throughly checked all the options and we came up with an alternative insurance that has served me well. Marisol is easy to talk to and she listened to what I need. She made suggestions and made clear all the minor points in the policies I would have e missed. She came to my home where I was comfortable. When the enrollment period came she explained all the changes. She is a joy to work with. She didn’t make me feel dumb.
January 31, 2025
A seemingly difficult enrolling procedure was made simple and stress-free by Marisol's extensive understanding of Medicare Advantage programs. Her patience and expertise were crucial!
Q&A with Marisol Adamo
What is the Part D out-of-pocket limit for 2026?
Answer: Hi there,
For 2026, the Medicare Part D out‑of‑pocket limit is $2,100. Once you’ve spent that amount on covered prescriptions — including your deductible, copays, and coinsurance — your plan pays 100% of your covered medications for the rest of the year. Premiums don’t count toward that limit, but everything you pay out of pocket for covered drugs does.
I moved to a different parish in Louisiana. Can I keep my Medicare Advantage plan, or do I need to choose a new one?
Answer: Hi there,
Medicare Advantage plans go strictly by home address and ZIP code, not the parish itself. So when you move, the key question is whether your new ZIP code falls inside the service area of your current plan.
If your new home ZIP code is still in the plan’s service area:
You can keep your current Medicare Advantage plan without making any changes.
If your new ZIP code is outside the plan’s service area:
Your move triggers a Special Enrollment Period, and you’ll need to choose a new Medicare Advantage plan that’s available where you now live.
If you want, I can check the ZIP code for your new address and tell you exactly which plans are available there.
I have a SCAN Medicare Advantage plan and turn 66 in November. Can I switch back to Original Medicare during this enrollment period?
Answer: Hi there,
Yes, you can switch from your SCAN Medicare Advantage plan back to Original Medicare during this enrollment period. The Annual Enrollment Period runs from October 15 to December 7, and during this window, anyone on Medicare can move from Medicare Advantage to Original Medicare. Any change you make now will take effect January 1 of the upcoming year.
If you decide to switch back, just remember you’ll also need to enroll in a stand‑alone Part D prescription drug plan, since Original Medicare doesn’t include drug coverage.
And depending on your health history, getting a Medigap supplement may require medical underwriting, since the guaranteed‑issue window usually ends six months after you first start Part B.
If you want, I can walk you through what switching would look like for your specific situation and help you compare your options for 2027.
What do you enjoy most about working with Medicare clients?
Answer: What I enjoy most is being able to truly help people understand something that can feel confusing or overwhelming. Medicare has a lot of moving parts, and I love seeing that moment when things finally click and someone feels more confident about their choices.
I also really enjoy the relationships I build. My clients aren’t just names on a list — I get to hear their stories, learn about their families, and be someone they can trust when questions come up. Being able to support people in both English and Spanish is especially meaningful to me because it lets me help even more members of my community.
At the end of the day, knowing I made the process easier and gave someone peace of mind is what I enjoy the most.
What should people know about Medicare and its parts?
Answer: People should know that Medicare isn’t just one program — it’s made up of different parts, and each part covers something specific. Original Medicare includes Part A, which helps with hospital care, and Part B, which covers doctor visits, outpatient services, and preventive care. Then there’s Part D for prescription drugs, which is separate and offered through private insurance companies.
You also have the option to choose a Medicare Advantage plan, known as Part C. Those plans bundle your hospital, medical, and usually your drug coverage into one plan, and many include extra benefits like dental, vision, hearing, or gym memberships.
The biggest thing I tell people is this: Medicare gives you options, and understanding the parts helps you choose what fits your health needs and your budget.
I've heard that once you're on Medicare, you might not need life insurance as much. Is that true?
Answer: Honestly, it depends on your goals. Medicare helps with health care, but it doesn’t replace what life insurance is designed to do. Life insurance is about protecting the people you love, covering final expenses, and making sure you don’t leave a financial burden behind.
A lot of my clients keep some form of life insurance even after they’re on Medicare because they want to make things easier for their family or leave a little something behind. Others choose a smaller policy that fits their budget and still gives them peace of mind.
So, it’s not that you “don’t need it” anymore — it’s more about what you want it to accomplish for you and your family.
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: Medicare Advantage, PPO plans offer more flexibility in choosing providers (including out-of-network). HMO plans require staying within a network, but often at lower costs.
What are the reasons why I should work with a Medicare agent?
Answer: Working with a Medicare agent is beneficial because they can help you navigate the complex Medicare system, compare plans, and find the coverage that best suits your needs and budget, often saving you time and money.