Robert Loyd, Medicare Insurance Broker
Robert Loyd
Local Medicare Agents
Bilingual English & Español
Medicare Broker Licensed in CA
10+ Years of Experience
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Serving
Huron, CA
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About Me
Our goal is to help people understand the Medicare landscape so they can make the right choices for their healthcare. We do all things Medicare.
My Google Reviews
340 Total Reviews (5.0 )
October 28, 2026
I couldn't be happier with Robert....he goes above and beyond and provides the best information so I can make the correct decision for my needs.
October 27, 2026
October 27, 2026
October 26, 2026
Excellent help, very knowledgeable
October 26, 2026
Robert Loyd made choosing and switching to a new insurance plan for next year a snap. I would gladly recommend him ( and LMA) to anyone.
Q&A with Robert Loyd
I’m on Medicare and still owe medical bills. Can they be forgiven if I’m below the poverty level, and what’s the income limit with Social Security and a small pension?
Answer: Some doctors' offices, and especially hospitals, will often have a hardship program or something similar with a different name. They each have their own individual income requirements. I would recommend that, if you do have a bill that you can't afford, you reach out to the provider who's billing it and see if they have any individual programs that you might be eligible for.
Generally that's probably the question you're asking: Do you qualify for Medicaid? If that's the case you'll want to reach out to the social services office in your state and confirm the income limits. If you qualify it might be in your benefit to apply so that way they can take care of those bills for you. As far as your eligibility for Medicaid, that varies by state. Generally if you qualify for Medicaid, there are opportunities where they might be able to backdate the start date a month or so.
What advice would you give to seniors who are feeling overwhelmed by all the Medicare options available?
Answer: Much of the confusion assumes that all of the options are applicable and a fit for each individual. The truth is there are really only two kinds of options: Medicare Advantage or a Medicare supplement. Once you make that A or B decision, you can then further filter the options based on the ones that work for your needs on each side. It's basically a filtering issue.
When shopping for a car we rarely say there are all these options and you have to pick which one. We usually start by narrowing down budget and need and then that usually filters down to the options that actually make sense for you. In the same way I think people should approach Medicare that way. In reality there are really only a handful on each side that are going to be a good fit for you and once you're looking at those, the choice becomes a lot clearer.
Of course this is where the value of a broker comes in to help navigate the lay of the land and what actually applies to you personally.
Why not just call the insurance carrier directly?
Answer: This will get you the same coverage that you would get from an independent agent. You will pay the same and have the same coverage, but you will be missing the help you are likely looking for. Many people will call a carrier and expect some level of neutrality. The health insurance carrier owes you absolutely no unbiased opinions. Their reps are paid to sell their product only, whether it's a good fit for you or not. An independent agent works for the customer. Our goal is to find what is best for your needs and circumstances and support you not only in enrollment, but with navigating issues, benefits, and many of the nuances people know a corporation will not provide.
The fear people have of brokers is that they will get forced into a plan that isn't a good fit and that individual will disappear after. This could be said for calling the carrier as well. You will likely never talk to the same rep twice, and the company won't take responsibility for any falsehoods the original person said.
An independent agent who has some sort of social proof (recommendation from friends, providers, online presence, an office, etc.) and who focuses on educating you (not telling you what you need) will want to be found by you again since they are looking to service their customers and build a business on their reputation. If the agent you find checks some or all of these boxes, you will be in good hands.
What is the Medicare Advantage (Part C) Open Enrollment period?
Answer: This is another enrollment period available only to individuals who are currently enrolled in a Medicare Advantage plan. It allows them to make one change between January 1st and March 31st. We like to think of it as a "redo" after the Annual Enrollment period that comes at the end of the year. You get one opportunity to make a change during this time, and you will have to keep that plan you change to until the next annual enrollment period at the end of the year.
Does Medicare part A and B cover urgent care office visits?
Answer: Yes, Original Medicare will cover urgent care visits under your Part B of Medicare. Part A would be for all hospital visits.
I chose Original Medicare to keep my doctors, but now I'm drowning in bills. Should I have gone with Advantage instead?
Answer: Many people make this choice under the guidance of the staff at their doctor's office. Depending on your health and circumstances, you may be eligible for a Supplement plan that would have paid for many of the bills you are receiving. If you don't qualify, then yes, an Advantage plan may have helped with those bills, but you may not have gotten the same care. If your concern was keeping your doctors, then an Advantage plan may or may not have been able to do that, depending on networks available in your area. With a good agent, you would have been able to review that scenario before having received care to help plan ahead.
Many providers like Original Medicare because there are no restrictions on the care they want to provide, but they also fail to take into consideration the 20% that will be left for you to pay. Your needs, both medical and financial, should be considered. Find a local agent in your area who may be able to see if you qualify for a Supplement (aka Medigap) or review Advantage options, depending on your circumstances.
An agent asked me to sign a scope of appointment for before we could discuss my Medicare insurance or part D plan. What is an SOA? Is this normal? Are call centers exempt from this practice?
Answer: This is very normal. Medicare requires agents to collect a SOA when scheduling an appointment, and it has to be collected 48 hours before the appointment. The goal of a SOA is to give the client control over what products are specifically discussed at the appointment to prevent agents from trying to sell and discuss products you are not interested in.
Call centers are technically not exempt, but a SOA is not required for an inbound call. They usually will transfer you to an agent, so you would be an inbound call for the agent, therefore removing the requirement for a SOA.
In what situations will Medicare pay for medical services in a foreign hospital?
Answer: Medicare covers foreign hospital only when that hospital is closer than any other U.S. option. Typically, this will be for "emergency" level services only. Urgent care and walk-in clinic services will not be reimbursed. Lastly, foreign hospital is covered in Canada when a medical emergency happens when travelling on a direct route through Canada when headed to Alaska.