Rodrigo Ferrer, Medicare Insurance Broker
About Me
Rodrigo S. Ferrer has been working with seniors and Medicare beneficiaries since 2003. He is fully licensed, independent, and accredited as a Certified Senior Advisor (CSA). He runs a family business Medicare insurance brokerage in Cromwell, CT. The goal of his family agency is to be objective and personalize counseling to Connecticut's senior and Medicare population.
Directions to My Office
Q&A with Rodrigo Ferrer
What's the most important question I should be asking about Medicare that I probably haven't thought of yet?
Answer: Is my state a guaranteed issue state for Medicare supplements? It's a very good idea to know how your particular state deals with Medicare Supplements. Many states only guarantee a person can enter a supplement without underwriting at extremely specific periods. If you fall out of those period you may be in for a shock when you try to enroll. My home state of CT for example is a guaranteed issue state year round and never requires underwriting. That means, a person can get on a plan pretty easily but the cost of those plans are definitely higher than non-guaranteed issue states. A good broker will know how a person can go onto a supplement when a person has just basic Medicare, when a person has Medicare Advantage, and when a person moves off or is cancelled from a private plan.