Peter Jannetti, Medicare Insurance Agent
Peter Jannetti
Broker
Medicare Agent Licensed in FL, NJ and PA
11+ Years of Experience
Contact Details
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Location
Orlando, FL
About Me
Licensed Insurance Consultant | PRJ Insurance Consultants
Finding the right insurance policy shouldn’t feel like guesswork. At PRJ Insurance Consultants, I specialize in taking the complexity out of insurance planning, helping individuals, seniors, and families secure the exact protection they need for every stage of life.
With years of dedicated industry experience, my approach is simple: education over high-pressure sales. I look at your unique health needs, financial goals, and lifestyle to tailor a comprehensive security blanket that gives you ultimate peace of mind.
Core Areas of Expertise:
Medicare Advantage & Planning: Navigating the complexities of Medicare, Supplement plans, and specialized coverage (including C-SNP and D-SNP plans) to ensure you maximize your benefits and minimize out-of-pocket costs.
Life Insurance: Protecting your family’s financial future with tailored term, whole, or universal life solutions.
Supplemental Health Coverage: Safeguarding your hard-earned savings against life’s unexpected moments with dedicated Cancer, Heart Attack, and Stroke plans.
Routine Care & Wellness: Bridging the gaps in your standard healthcare with comprehensive Dental and Vision insurance.
Q&A with Peter Jannetti
After a surgery, should I expect out-of-pocket costs?
Answer: This is a conversation you should have with your agent or your carrier. Some of your benefits through an advantage, supplemental, chronic illness or dual eligible plan may cover some, none or all of the costs.
Can you get Medicare if you never worked or didn't pay into the system?
Answer: You have to pay into the system for 10 years. This is also expressed as 40 quarters, each quarter is 3 months log.
I exercise regularly and maintain a healthy lifestyle. Does Medicare offer any incentives or additional benefits for preventive health behaviors?
Answer: Other than a once a year wellness exam some plans offer or that some plans have either a gym membership or silver sneakers I am not aware of any incentives or additional benefits.
Isn't it concerning that Medicare Advantage plans are taking over the system?
Answer: I believe the plans have gotten better, but Supplemental plans are also very popular. I’d look at both options before making a decision about your health care needs.
I picked the plan with the lowest premium, but now every doctor visit feels like a surprise bill. Should I have gone with a higher premium instead?
Answer: That depends on the plan. Is it a Medicare Supplement plan or a Medicare Advantage Plan? Just because the premium is lower doesn’t always warrant a bill from your doctor.
What are the reasons why I should work with a Medicare agent?
Answer: A Medicare agent could answer the more difficult questions and help someone not make a mistake and lose benefits because they didn’t know they exist.