Pamela Fugitt-Hetrick, Medicare Insurance Agent
Pamela Fugitt-Hetrick
DCD Financial & Insurance Services
Medicare Agent Licensed in CA
23+ Years of Experience
Contact Details
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Location
Santa Cruz, CA
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Phone
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Website
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Schedule An Appointment
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Pre-Appointment Form
About Me
Hi, I'm Pamela, a Health 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 LOVE unraveling the mysteries of health insurance for people. 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 Pamela Fugitt-Hetrick
What do you enjoy most about working with Medicare clients?
Answer: Medicare is like learning a new language. I love helping clients unravel the mysteries of Medicare. I don't want to just sign them up for things but really understand their choices.
If you had to pick just one, what's the worst Medicare-related decision someone can make?
Answer: Not having a free consultation with an agent on when, if and how to enroll in Medicare when you are turning 65 or leaving employer coverage after 65. The worst and sometimes impossible to resolve issues start with that error.
What happens to my Medicare coverage if I enter a skilled nursing facility for rehab but then need long-term care?
Answer: Medicare will cover up to 20 days of skilled nursing after a 3 day or longer inpatient stay. There is up to 100 days per incident of additional days that may be available for a daily charge after that. Medicare doesn't cover long-term care.
What are the reasons why I should work with a Medicare agent?
Answer: Independent agents can help you know when and how to enroll in Medicare. They can educate you on the differences between Medicare Supplement and the Medicare Advantage pathways. An agent in your region can also help you with local nuances like physician systems that don't accept new patients, where and how to find a primary care, etc. They can't charge you a fee so why not get a free guide.
Can I use my Medicare when I travel to another state?
Answer: You can use Original Medicare (Parts A and B) anywhere in the United States. Medicare Supplements also work Nationwide.
However, if you have a Medicare Advantage plan, typically you only have Emergency or Urgent care access out of your service area.
Part D plans also vary by provider. Some offer national pharmacy networks, allowing you to fill prescriptions in any state, while others may have limited networks. Always verify with your plan to avoid unexpected costs.