Ray McCauley, Medicare Insurance Broker
Ray McCauley
Ray McCauley Insurance
Medicare Broker Licensed in CA, AZ, FL, ID, NV, SC and TN
Contact Details
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Location
Orangevale, CA
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Phone
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Website
About Me
My name is Ray McCauley. I am a local broker.
By representing many companies, I get to work for you & your best interests rather than a company’s. I can:
• Find you rates with any company or program in your area
• Help you to understand all the rules, deadlines, & penalties associated with Medicare
• Secure any potential discounts to meet your personal healthcare needs today & in the future.
It does not cost you anything extra to use my knowledge & expertise. So, don’t frustrate yourself trying to find the best program alone, just give me a call, & we can navigate through it together.
Q&A with Ray McCauley
I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?
Answer: call social security and get your part B in place and send me a list of your drs and rx and let’s schedule an appointment to review all your options
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: several carriers offer zero premium plans for medicare advantage plans. they can do this because they get paid by medicare to coordinate your medical care
If I need long-term care in the future, how does Medicare fit into that plan, and what should I be doing now to prepare?
Answer: medicare does not provide long term care however i would suggest purchasing long term care now while your young to keep the premiums lower because they raise the older you are when you sign up for a plan
What's one Medicare decision that too many people regret later?
Answer: purchasing a medicare advantage plan because they don’t see the need to pay for a medicare supplement plan while they are healthy thinking they will buy a medicare supplement plan when they experience health issues but then no longer qualify for gauruntee issue
Which Medicare Supplement plan (Medigap) offers the best value for most seniors, and why?
Answer: plan G because it it limits your out of pocket medical expenses to an affordable annual deductible set by medicare
Does Medicare cover health care services on a cruise ship?
Answer: a medicare supplement will but a medicare advantage plan would only help with emergency care and you would need to pay for that care up front then seek reimbursement from your health insurance provider
What is one of the the most common misconceptions people have about Medicare?
Answer: it is expensive and doesn’t provide quality care . plans are much less expensive than obama care and pre 65 plans
I've been on my employer's health plan but am retiring soon. What should I consider when moving to Medicare?
Answer: Number one is cost
every morning number two our Benefits I will help you navigate to Medicare minefield please call me 916-628-5244
What do I need to do if I didn't take Medicare at 65 and am now retiring?
Answer: go to medicare.gov and request your part b coverage then call me at 916 628 5244 there at important steps to follow and i will walk you through them
Why is the new $2,000 out-of-pocket maximum for drug costs important?
Answer: previously an individual would have unlimited out-of-pocket cost for their prescription drugs so there was ultimately no cap which could cause some people to go broke the new $2000 limit gives you a pen but don’t break situation where you know you have a maximum out-of-pocket of $2000 helps you budget yourself better and they will allow you to spread that $2000 out. If you are going to meet it based on your specific drugs you can spread it out over the whole year to lower your upfront cost.