Robert Vaughan, R.Ph., MBA, Medicare Insurance Agent
Robert Vaughan, R.Ph., MBA
Robert Vaughan Insurance Solutions
Medicare Agent Licensed in CA, AZ, NM, NV and TX
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Oakdale, CA
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About Me
Robert Vaughan is a Medicare Health Plan specialist, licensed in 5 states. Robert has over 35 years of experience in healthcare and insurance. With his pharmacist background and insurance expertise, he can assist you in finding the optimal plan to meet your health needs and budget. He compares nationally and locally recognized plans and simplifies the process for you—at no cost.
Medicare does not have to be perplexing. As your Medicare agent, it is his duty to educate you about Medicare and present all available options to ensure you make an informed decision regarding your Medicare coverage.
Contact him today for a no-obligation consultation and mention that you found him on Medicare Agents Hub.
Q&A with Robert Vaughan, R.Ph., MBA
What do you like most about being a Medicare agent?
Answer: Using my knowledge and experience to educate people about Medicare. It is my responsibility, as a Medicare agent, to educate my clients about Medicare and lay out all of their options so they can make an informed decision about their Medicare coverage.
Are Medicare Advantage plans really "free," or is that just clever marketing?
Answer: It is true that many Medicare Advantage plans have zero dollar premiums, but there are costs associated with utilizing the plan's benefits. You will likely pay deductibles, coinsurance, or copayments when seeking medical treatment. Additionally, continuing to pay your Medicare Part B premium is necessary to remain enrolled in a Medicare Advantage plan.
Can I switch from a Medicare Advantage plan to Original Medicare with a Medigap plan mid-year if I’m diagnosed with a serious illness?
Answer: No, not mid-year. You can use the Medicare Advantage Open Enrollment Period (MA OEP), which runs from January 1 to March 31 each year, to return to Original Medicare and apply for a Medicare Supplement (Medigap) plan. The issue here is serious illness, which would likely disqualify you from Medicare Supplement plans. You have 6 months from your Medicare Part B effective date to enroll in a Medicare Supplement plan without going through underwriting. Insurance companies can deny your application for a Medicare Supplement if submitted outside of this 6 month window.