Rigoberto Caballero, Medicare Insurance Agent
Rigoberto Caballero
Bilingual English & Español
Medicare Agent Licensed in FL
Contact Details
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Location
Palmetto Bay, FL
Rigoberto Can Help With:
About Me
¡Hola! Soy Rigoberto Caballero, agente de seguros independiente con licencia en el estado de Florida.
Mi misión es simple: eliminar la confusión que rodea al Medicare para que puedas tomar decisiones con total claridad y confianza. Entiendo que elegir un plan de salud puede sentirse abrumador; por eso, mi enfoque se basa en la educación primero.
Trato a cada uno de mis clientes con la misma paciencia, respeto y cuidado con la que ayudaría a mi propia familia. Mi objetivo no es simplemente venderte un plan, sino realizar un análisis detallado para encontrar la cobertura que mejor se adapte a tus médicos, tus medicamentos específicos y, sobre todo, a tu presupuesto.
Como agente local en Homestead, estoy aquí para ser tu guía y defensor durante todo el año, no solo durante el periodo de inscripción. ¡Espero conocerte pronto y ayudarte a asegurar tu bienestar!
Q&A with Rigoberto Caballero
Is Medicare Part A enough for hospital coverage?
Answer: No, Medicare part A covers inpatient hospital stays, but it is not enough , because it carries high out of pocket cost, and high deductible. Part A does not cover the doctor & surgeon fees which are billed under Part B.
You also need a Medigap, a private policy, to cover the copays and deductible.
No, la Parte A de Medicare cubre las estancias hospitalarias como paciente internado, pero no es suficiente, porque conlleva altos costos de bolsillo y un deducible alto. La Parte A no cubre los honorarios de médicos y cirujanos, los cuales se facturan bajo la Parte B.
También necesitas Medigap, una póliza privada, para cubrir los copagos y el deducible.
I keep hearing about Medicare Part D changes for 2025. Will these actually lower what I pay for my prescriptions?
Answer: If you take high cost specialty drugs, the new $2000 out of pocket cap will lower your costs.
Once you reach the limit, your covered drugs are taken care of the rest of the year.
Si utilizas medicamentos especializados de alto costo, el nuevo límite de gastos de bolsillo de $2000 reducirá tus costos.
Una vez que alcances el límite, tus medicamentos cubiertos estarán cubiertos por el resto del año.
I'm worried about affording my medications even with the 2025 changes. Are there additional assistance programs I should know about?
Answer: Yes, the person should look into the federal Extra Help program, which can lower your Part D premiums and copays if qualify based on income. Also many states offer State Pharmaceutical Assistance Programs to provide extra relief.
Sí, la persona debería informarse sobre el programa federal de Ayuda Adicional (Extra Help), que puede reducir las primas de la Parte D y los copagos si se califica según los ingresos. Además, muchos estados ofrecen Programas Estatales de Asistencia Farmacéutica para brindar alivio adicional.
Why might Original Medicare with a Part D plan be better than a Medicare Advantage plan for frequent travelers?
Answer: Original Medicare with the Part D prescription drug plan is a superior option for frequent travelers because it provides nationwide coverage, with no restrictions. All hospitals and medical centers in the country accept Original Medicare, Part A, Part B, and Part B prescription drug plan, D. Medicare Advantage plans have network restrictions; only affiliated medical centers and doctors accept these plans, they do not have nationwide coverage, they are more local.
Medicare Original con el plan de medicamentos recetados de la Parte D es una opción superior para los viajeros frecuentes porque proporciona cobertura a nivel nacional, sin restricciones. Todos los hospitales y centros médicos del país aceptan Medicare Original, Parte A, Parte B y el plan de medicamentos recetados de la Parte B, D. Los planes Medicare Advantage tienen restricciones de red; solo los centros médicos y médicos afiliados aceptan estos planes, no tienen cobertura a nivel nacional, son más locales.
If a senior is turning 65 but still working, should they enroll in Medicare or delay it?
Answer: This is a very important question for the persons arriving 65 and still working. To answer it correctly, it is necessary to know the size of your employer and if they provide health coverage. If the employer has more than 20 employees, the employer-sponsored group health plan serves as the primary coverage, and employees may defer their enrollment in Parts B and D without penalty.
If the employer has fewer than 20 employees, Medicare becomes the primary insurance, and employees must enroll upon turning 65.
What are the reasons why I should work with a Medicare agent?
Answer: Working with a specialized Medicare agent offers many strategic advantages that save you money, time, and a stress.
Medicare offers many plan options, which can vary from one zip code to another. Medicare agents utilize tools designed to input each individual's specific details—such as preferred doctors and prescription medications—to ensure that the plans available in their area of residence effectively meet their needs. The agent can compare these options and present them to you for your selection.
How do I compare Part D plans to minimize costs for a mix of generic and specialty drugs?
Answer: The best and most effective way to compare Medicare Part D plans—and minimize the combined costs of generic and specialty prescription medications—is by using the Medicare Plan Finder. This tool allows you to enter your prescribed medications, dosages, and preferred pharmacies, and then filter this information by cost, from lowest to highest.