Sandra Duran, Medicare Insurance Agent
Sandra Duran
Medicare Advisor/ Pinnecle Sevices
Bilingual English & Español
Medicare Agent Licensed in NY, CT and NJ
Contact Details
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Location
Bronx, NY
Sandra Can Help With:
About Me
Licensed Medicare Insurance Agent proudly serving New York, New Jersey, and Connecticut. I specialize in helping individuals turning 65 and Medicare beneficiaries navigate their coverage options with clarity and confidence. Whether you’re new to Medicare, reviewing your current plan, or exploring Medicare Advantage, Medicare Supplement (Medigap), Part D prescription drug coverage, Medicare Savings Programs, or Medicaid, I provide personalized guidance tailored to your needs.
My commitment is to make the Medicare process simple, transparent, and stress-free by educating clients, answering questions, and helping them choose coverage that fits their healthcare and financial goals. I believe in building lasting relationships through honesty, professionalism, and exceptional service—before, during, and after enrollment.
Q&A with Sandra Duran
I live in California but might move to another state next year. How will my Medicare coverage change if I relocate?
Answer: If you move to another state, Original Medicare will generally continue to cover you nationwide, but Medicare Advantage and Part D plans are based on service areas. You may qualify for a Special Enrollment Period to choose a new plan available in your new state, so it’s important to review your options before or soon after you move.
How can I find out if Medicare will cover a specific procedure or treatment?
Answer: The best way to find out if Medicare covers a specific procedure or treatment is to check your plan’s coverage details and confirm that the service is medically necessary. It’s also a good idea to ask your doctor and the insurance company before scheduling the procedure, since some services may require prior authorization or have certain coverage rules.
My pharmacist mentioned the Medicare "donut hole" is going away in 2025. What does that actually mean for me?
Answer: The Medicare “donut hole” is going away because there is now a limit on how much you have to pay out of pocket for covered Part D prescription drugs each year. This means that once you reach that limit, you won’t have to keep paying for covered medications for the rest of the year, which can make prescription costs more predictable and affordable.
How do I report a suspicious Medicare billing error without getting in trouble myself?
Answer: You can answer:
If I notice a suspicious Medicare billing error, I would report it through the proper Medicare channels and provide the facts I have. Reporting something in good faith helps protect Medicare beneficiaries and the program, and I would avoid making accusations without evidence.