Sergio Valenzuela, Medicare Insurance Broker
Sergio Valenzuela
VMA Health Plans
Medicare Broker Licensed in AZ, CA, FL, MI, OH, SC and TX
8+ Years of Experience
Contact Details
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Location
Nogales, AZ
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Phone
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Website
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About Me
Hey there, my name is Sergio, and I am your local Medicare advisor and Broker. I specialize in Medicare and am devoted to helping you find the best plan that matches your specific needs and financial situation. I will take care of the daunting task of comparing plans from well-known national and local companies for you. Even better, my services are completely free! Contact me today to explore your Medicare options, and be sure to mention that you found me on Medicare Agents Hub!
Directions to My Office
My Google Reviews
11 Total Reviews (4.9)
March 29, 2025
March 28, 2025
March 28, 2025
Excelente trabajo y excelente persona, el Sr. Sergio Valenzuela hace un buen trabajo y esta pendiente de que estemos informados de cualquier cambio que haya en Medicare.
November 19, 2024
Medicare Advantage plans made a ton of changes for 2025 and my existing plan had big increases in cost and more limited coverage. I needed to make a change. Sergio Valenzuela listened to my needs and helped me sort through the options to pick the best plan for my wife and me. He is a hard working guy that cares about his work and clients. I would highly recommend him. Edward McDonald Buckeye, AZ
August 9, 2024
Sergio and his team are always very professional and a pleasure to work with! Great people! I highly recommend VMA Health Plans!
September 22, 2022
I have received good service from Valenzuela, kind, cordial and patient with me. Very grateful thank you. Eulalia
September 22, 2022
Sergio is a very kind person and he helped me a lot to understand everything about Medicare, thank you Sergio!!
September 22, 2022
Sergio was very helpful and knowledgeable about our insurance coverage
Q&A with Sergio Valenzuela
What's one piece of advice you wish every senior knew before picking a Medicare plan?
Answer: Make sure the plan you picked has coverage for all your doctors and medicines, plans varies from networks and formularies. Also very important to pick a plan from value perspective rather than just benefits/copays.
What is one of the the most common misconceptions people have about Medicare?
Answer: Medicare is FREE and it covers everything. There are some premiums, deductibles, coinsurances and possible penalties if you don’t sign up on time. There some gaps in prescription, dental, vision and other benefits, Medicare itself it’s not enough.
If a senior is turning 65 but still working, should they enroll in Medicare or delay it?
Answer: You need to enroll in part A regardless if you still working or not after turning 65, however for part B, if you current employer offer a health insurance that is creditable as good as Medicare then you don’t need to enroll into the letter B and can be delayed without incurring penalties in future.
I picked a Medicare Advantage plan last year, and I’m not sure if my hearing aids are covered. How do I figure this out?
Answer: You can find out that in the summary of benefits or evidence of coverage for your current insurance carrier.
What are some ways to save on prescription drug costs?
Answer: There is a program called "Extra Help" or LIS (Limited Income Subsidy) that is administered by Social Security Office to help to reduce the cost of your prescriptions such a deductible, premiums or/and copays for your current prescription plan. There is no cost to apply.
Am I eligible for a Special Enrollment Period if I lose employer coverage?
Answer: Yes, usually to enroll into Medicare you have Enrollments Periods, if for some reason you missed your Initial Enrollment Period when you turned 65 or if you delayed part B, then you have a Special Enrollment Period when you lose employer coverage, the window is 8 months to enroll into Medicare part A and/or B and 2 months for Medicare Advantage Plans.