Philip Santucci, Medicare Insurance Broker

Answer: Being able to help clients better understand their benefits and how to maximize them. They can then worry less and enjoy the good years more.

Answer: Health care costs continue to rise and will most likely do so for the foreseeable future. However proper planning can help alleviate financial burden and strain.

Answer: Medicare plans are mainly US service based however there are plans that will have some international coverage. Most of the plans with coverage are Medicare supplements.

Answer: You can most definitely meet with multiple however be sure to vet each one. Not all agents do the same things or have the same access. You will also want to look for someone with at least 5 years experience as well. You can research before hand then save time and meet with the one that matches you best.

Answer: You can try to go to Medicare directly long process and cumbersome. You can try to ask the carrier for assistance some will help. You can also ask your agent if they may be able to assist or lead you in the right direction.

Answer: After your initial enrollment you will have to answer health questions. Each carrier will have a different appetite so best to work with a knowledgeable broker who can find the best fit for you.

Answer: This is best discussed with an Agent or Broker to better understand your situation and give you the right answer.

Answer: Working with an agent can save you time and headache. They are trained and licensed to understand the moving parts of Medicare which can be confusing. They also can look for the best options for you so you do not have to.

Answer: This depends on the type of plan you have. If it is a supplement your can change at any time but you have to health qualify for the new one. If it is an Advantage plan you can change once a year in October.

Answer: Go through everything step by step. How to enroll, what all the letters mean, costs, options, plans and how your health plays a role. Taking a simple approach and giving easy to understand information.

Answer: Usually the biggest mistake is trying to do it themselves and not truly understanding what they are getting into. There is not cost to sit down with a broker who can help you and make sure all the angles are looked at.

Answer: You meet new and interesting people all of the time with some amazing stories to share about their life experiences.

Answer: Many times it is asking for personal info over the phone with no conversation on plans or companies. Being rushed through a phone call can also be a red flag. Someone saying it will take 15 minutes and really does not good.

Answer: The simple answer is yes they will be covered. There are factors such as do you currently have your part B coverage. That will make a difference in how things are taken care of for you.