Melinda Moros, Medicare Insurance Agent
Melinda Moros
Medicare Agent Licensed in CA
Contact Details
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Location
Concord, CA
Melinda Can Help With:
About Me
Greetings! I'm Melinda, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Melinda Moros
What are the reasons why I should work with a Medicare agent?
Answer: Working with a Medicare agent provides you with expertise and guidance before AND after your enrollment! We must take and pass rigorous training and know the rules of Medicare, and we can guide you for all of your Medicare journey!
When people enroll with an insurance company telesales agent, by mail, or on a website directly with the insurance company and they need assistance or advice, they must use the general company member services for future advice and assistance. Each time they call, they will probably get a different service team agent. While they are helpful and know Medicare rules and their offerings, they don't know YOU and your history. They may not be familiar with YOUR local market and changes to it.
We're here to help you now and when you need us in the future as your Agent of Record.
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: A Medicare Advantage HMO means that your plan has contracted with specific medical providers in your local area. You are required to use these medical providers for your needs unless you're traveling out of the area your plan covers. You must get a referral from your Primary Care Provider before you can see a specialist, and that specialist must be an in-network provider. If there is not an in-network provider that covers the services you need, your Primary Care Provider will make arrangements for you to see an out-of-network provider. Your normal copayments/coinsurance would apply. Consult your plan's Evidence of Coverage for specifics.
With a Medicare Advantage PPO, there is a Preferred Provider network of local medical providers that will accept your plan. You can also use medical providers anywhere in the U.S.A. that accept Medicare and agree to treat you. However, in many cases, you will pay more if they are not Preferred Providers for your plan. With a PPO, you don't need a referral to a specialist, unless the specialist requires one. Sometimes providers are so specialized they want to know that you medically require their specific services. Consult your plan materials for specifics.
So if flexibility is important to you, or you have medical providers who are not all in the same HMO network, a PPO may be a good choice for your needs.