Peter Joseph, Medicare Insurance Broker
Peter Joseph
Joseph Insurance Broker LLC
Medicare Broker Licensed in CA, AL, AR, AZ, CO, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, VT, WA, WI, WV and WY
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Chino, CA
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About Me
Greetings! I'm Peter, a Medicare 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'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!
As the Owner and CEO of Joseph Insurance Broker LLC, I lead a team of over 10 agents who provide quality and customized insurance solutions to over 855 clients across 38 states. I am a licensed Medicare/Healthcare Broker with certifications in Life and Health and Accident Insurance and Property and Casualty Broker License. I have been in the insurance business for 8+ years, specializing in Medicare and healthcare insurance for the past 6 years.
My mission is to help my clients navigate the complex and ever-changing landscape of insurance, and to offer them the best options for their needs and budget. I also assist small businesses with group health insurance benefits, commercial property needs and individuals with long term care and life insurance. I have a passion for education and empowerment, and I regularly conduct workshops and seminars on topics such as education funding strategies and lifetime income strategies. I have been recognized and featured by BIZ TV Los Angeles, NYC Journal as one of 50 under 50, Readers' Choice Awards for 2023 in Chino Valley and other media outlets for my expertise and trustworthiness. I’m currently an ambassador for Chino Valley Chamber of Commerce and sit on the Board Of Directors with Paws4Success/Rebel Ranch. I am always available and accessible to my clients, and I strive to exceed their expectations.
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Q&A with Peter Joseph
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: The biggest mistake seniors make when enrolling into Medicare is they don't get a personal broker. A personal broker looks at plan changes that happen every year to make sure prescriptions are still covered at a reasonable cost and that the client's doctors are still in network. Medicare can be very confusing and a broker simplifies the process and becomes your advocate.
I signed up for a Medicare Advantage HMO, and I'm wondering if I can see a cardiologist out of network without paying everything myself.
Answer: You cannot see a cardiologist out of network on a HMO plan. You can on a PPO plan with higher out of pocket costs. You need to have the primary doctor on your HMO plan send in an authorization to see a specialist such as a cardiologist to be covered under that particular HMO plan
I'm worried about affording my medications even with the 2025 changes. Are there additional assistance programs I should know about?
Answer: Yes there are things you can do. You can apply thru social security for low income subsidy. You can also reach out to your insurance carrier to pay it over time (a period of a year). This doesn’t reduce your costs but there’s no interest and copays would be lower since they are spread out over 12 months. Please see me for more details.