Mary Rivera, Medicare Insurance Agent
Mary Rivera
Medicare Agent Licensed in FL
Contact Details
-
Location
Pinellas Park, FL
Mary Can Help With:
About Me
Hi! My name is Mary, and I am your dedicated Medicare consultant and agent. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!
Q&A with Mary Rivera
I have severe rheumatoid arthritis and my biologic medication costs $6,000 per month. How will the 2025 Medicare Part D changes affect someone in my situation?
Answer: In 2025, Medicare Part D has a new out-of-pocket cap of $2,000, meaning once you reach that limit, your plan will cover 100% of your drug costs for the rest of the year. This can significantly help people with expensive medications like biologics, reducing the financial burden even if your medication costs $6,000 per month.
I went to a free Medicare seminar and it felt like a timeshare pitch. Are any of those events actually helpful?
Answer: Some Medicare seminars can be helpful if they’re run by trusted, unbiased sources, like local SHIP programs or community centers, because they explain your options clearly. Be cautious of events that push specific plans or incentives, since those are often more about sales than education.
Who can help me figure out this Medicare "maze and alphabet soup" it's so confusing.
Answer: A licensed Medicare agent can help you navigate the “maze” and explain all the parts—A, B, C, and D—so it makes sense for your situation. You can also get free, unbiased guidance from your local SHIP counselors or Medicare.gov.
What states have the Medigap "birthday rule" and what is it?
Answer: It is a law in some states that lets people switch Medigap (Medicare Supplement) plans around their birthday without medical underwriting (no health questions). This helps beneficiaries change to a plan that may have lower premiums or better benefits without being denied for pre-existing conditions.
CA, ID, IL, NV, LO
What's the best way to avoid surprise bills for lab tests under Medicare Advantage?
Answer: The best way is to make sure the lab is in network with your MA plan before getting tests, and confirm that the doctor has submitted a prior authorization or referral if the plan requires it. Always ask both the provider and the plan directly to avoid unexpected charges.
My mom is considering switching to a Medicare Advantage plan because her friends say it's better. She's scared of losing her current doctors. How can we check?
Answer: You can check if your mom’s doctors are in network by calling the doctor’s office directly or using the plan’s online provider search tool. It’s important to confirm before switching, since Medicare Advantage plans usually require staying within their provider network.
Do I qualify for SEP if my health dramatically gets worse out of nowhere?
Answer: No, unfortunately, a sudden change in health does not qualify someone for a Special Enrollment Period (SEP) under Medicare
What do you like most about being a Medicare agent?
Answer: I enjoy being a Medicare agent because it gives me the chance to guide people through an important part of their lives.
Medicare can be overwhelming, and I love being able to explain it in a way that’s clear and simple. Most of all, it’s rewarding to know I’m helping families feel secure and confident about their health coverage