Michael Ryan, Medicare Insurance Broker
Michael Ryan
Ryan and Associates
Medicare Broker Licensed in CA, AZ, CO, FL, ID, IN, NV, SC, TN and TX
20+ Years of Experience
Contact Details
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Location
Corona, CA
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Phone
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About Me
Hello! I'm Michael, your trusted Medicare agent in the area. My specialty is Medicare, and I'm passionate about helping you select the ideal plan that caters to your individual needs and budget. I'll efficiently sort through plans from reputable national and local companies, saving you time and effort. Best of all, my services are provided at no cost to you. Give me a call at 951-479-1022 to discuss your Medicare choices and don't forget to mention that you found me on Medicare Agents Hub!
Q&A with Michael Ryan
What's one piece of advice you wish every senior knew before picking a Medicare plan?
Answer: Work with an Advisor that can research all available plans available to you. One that will prioritize your doctors and prescription not insurance companies.
What is one of the the most common misconceptions people have about Medicare?
Answer: That everything is free. Not true. There are many ways to get coverage for what Medicare doesn't cover.
Do I have to answer health questions when switching from one Supplemental/Medigap plan to another?
Answer: Typically no.. There will be some questions needed for underwriting some plans outside of the Guaranteed Issue windows.
What is the biggest disadvantage of Medicare Advantage?
Answer: Most are HMO plans that will restrict you to a provider network. The last several years there are PPO plans available in many areas that provide access to care outside of a network.
I have Original Medicare, and I’m wondering if I’d save more on my dental cleanings if I switched to a Medicare Advantage plan instead.
Answer: Quick answer is most likely. Do your research first.. Many Advantage plans have dental coverage. Coverage and benifits will vary.. I would not make dental coverage your primary focus in choosing an Advantage plan.. If one doesn't find what they need for dental care in an Advantage plan there are many stand alone plans that will.
I thought I was covered during my snowbird months in Florida, but apparently not. What kind of plan do I actually need for that?
Answer: You actually have several options. Sounds like you have a HMO Advantage plan where you live. One option would be to stay on original Medicare with a supplemental plan. That would allow you access to any provider that accepts Medicare across the country. Another option would be a PPO Medicare Advantage plan if its available in you area. Several national carriers have network providers across the nation and would also provide coverage out of network.