Michele Wagoner, Medicare Insurance Broker
Michele Wagoner
Valora Insurance Agency
Medicare Broker Licensed in FL, AL, AZ, CA, GA, LA, MS, ND, NJ, SC and TX
Contact Details
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Location
Pensacola, FL
Michele Can Help With:
About Me
Hi, I’m Michele with Valora Insurance Agency. I help people make sense of Medicare and health insurance—without the stress.
If you’re turning 65, already on Medicare but confused about your benefits, or under 65 and need affordable coverage, I’m here to walk you through it in plain English.
No pressure, no overwhelm—just real help so you understand what you have, what you need, and what your options are.
If you are in Pensacola Florida, and would like to meet in person, I am at the Walmart on Navy Blvd full time, along with my team to help you in PERSON!
Directions to My Office
Q&A with Michele Wagoner
Answer: It absolutely was supposed to be a review of your plan and comparing the other plans to them. Unfortunately for us agents we don't get a memo that says after open enrollment ends the doctors choose to cancel certain carriers for their new year which happens often. You do have the option to call and cancel that plan and stay on the one that you are just call the Carrier to do so or call the agent that assisted you and they can help do that with you on the phone. If there is another plan that you would prefer that would offer to cover your primary care doctor and specialists, then you could enroll in a new plan in January and it would start on February 1st. Hope this helps!
Answer: You must change your coverage within 60 days of moving. First you will want to call Social Security and change it to your new address and then call an agent to get switched into your new zip code.
Answer: Medicare drug costs was capped at $2000 in 2025. In 2026 it will be $2100. It is going to be $100 more in 2026.
Answer: I can understand that! It can be confusing! Open enrollment period for the following years plans is Officially October 15th to December 7th. There are also SPECIAL enrollment periods such as getting Medicare for the first time, if you have moved to a new zip code or state, and several others. I hopes that helps to clarify a bit more understanding for you.
Answer: There are multiple plans for chronic conditions it's always a great idea to sit down with an agent to find out what your options are
Answer: It is always a good option to sit down with an agent and find out what options would be good for your parents.
Answer: Great question! Medicare covers at $0 all preventative vaccinations. Every carrier has zero dollar coverage for preventative vaccinations.
Answer: It really depends on your MA or MAPD plan. It will tell you if it has overseas coverage in the Scope of Benefits page of your plan.
Answer: We will have the answer to this by end of August as the new plans and information for 2026 plans start coming to us then.
Answer: Have an agent who cares go over all the available plans with you and can show you side by side comparison! This is what I do for all my clients.
Answer: Happy to help! All you need to do is find out what the plans number is. It usually does start with the letter H for example H4758-345 then you take that number and put it into google, and it will pull up all of the plan's specifications.
Answer: You should be able to contact your agent to assist you with finding a dentist that matches your plan.
Answer: If you are turning 65, make sure you call Social Security and request your red, white and blue Medicare card. This card is needed to get your enrollment. Next, please feel free to contact ME! I will guide you through the entire process, so it will make it seamless, and I will explain and answer any and all questions for you!