Pete Randazzo, Medicare Insurance Agent
Pete Randazzo
Advisors In Health
Medicare Agent Licensed in CA, CO, GA, NC, NV, OR and TX
14+ Years of Experience
Contact Details
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Location
Santa Clara, CA
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Phone
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Website
Pete Can Help With:
About Me
Since 2012 Pete Randazzo has been serving the Medicare community with passion and heart. Pete is committed to his clients’ health and well-being and considers them more like family than clients.
"This business (healthcare) is about as personal as it gets and it's important to know what the senior market is looking for and how to respond to their unique needs."
Whether you are new to Medicare, turning 65 soon, retiring from the tech industry, relocating, etc, give Pete a call today and find out first hand why his clients are so thrilled with his service and personal attention to detail. You’ll be glad you did.
Pete says, “When you see me, don’t think Medicare. However, when you think Medicare, see me.”
Q&A with Pete Randazzo
Can I change my Supplemental/Medigap plan at any time?
Answer: Thank you for your question. This is a good one because so many get this one wrong.
First, you must already have a Medigap plan in order to use the birthday rule.
Medicare Supplements (Medigap) have an open enrollment period of 6 months from when you activate Part B. Currently, there are 16 states that offer the birthday rule for switching Medigap plans in which you have 60-63 days depending on the state (contact your current plan for exact time-frames) in which to select a plan that is equal or lesser than the plan you currently have.
For example, if you have a Plan G, you can purchase another Plan G in your service area that is at a lower price or you can purchase a lesser plan like Plan N. However, you cannot change from a Plan N back to a Plan G once you make that move so be sure that is what you want to do long-term.
Another way to qualify to switch Supplement plans is if you live in a state that allows you to switch at any time. Those states are currently Washington, Connecticut, New York and Vermont.
Below are some examples of qualifying events which qualify you to switch Medigap plans:
Your current Medigap insurance company goes bankrupt or misleads you. (rare)
You move out of your current Medigap plan's service area.
You are enrolled in a Medicare Advantage plan, move out of the service area, and decide to switch back to Original Medicare.
You dropped a Medigap plan to try Medicare Advantage for the first time, and you are still within your 12-month "trial period" right to switch back.
Thanks again for your question. I hope that this has been helpful.
What are the reasons why I should work with a Medicare agent?
Answer: Medicare can be a confusing topic for many people with many different pitfalls to avoid.
For example, enrolling late can be a costly mistake as there are life-long penalties involved.
Having a trusted agent or broker to help you through the process can help make the transition to Medicare much easier and a lot less stressful.
It is highly recommended that you work with a broker as a broker will be able to offer you many plans from many different companies so you will have a lot more choices than working with an agent that, say, only works for and offers plans from one company.
In addition, working with a broker costs nothing as the broker is paid by the insurance carrier for helping you enroll with them and explain the plan clearly. Enrolling directly with a carrier can be frustrating as you have no representation when you have problems or issues, just an 800 number with potentially an inexperienced representative on the other end of the phone.
Are mental health services like therapy fully covered under Original Medicare?
Answer: Great question.
While original Medicare does cover mental health and therapy services, it is NOT fully covered by Medicare A and B. You will still have to pay deductibles copays and coinsurance. Part A will cover psychiatric hospital stays of up to 190 total lifetime days. In addition, Part A also covers medication therapy and counseling.
Part B covers outpatient mental health services, psychotherapy, psychiatric evaluations and depression screenings as well. The Part B deductible for 2026 is $283 and must be met before all services apply.