Sergio Valenzuela, Medicare Insurance Broker
Sergio Valenzuela
VMA Health Plans
Hablo Español
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
15 Total Reviews (4.9 )
August 21, 2025
You have nothing to thank me for, on the contrary, I am the one who thanks you for your help and your time in guiding me and showing me what I needed to know about Medicare. You were very clear and explicit with the information provided. We will stay in touch and thank you again for giving me the confidence and security with which you support me. God bless you.
August 21, 2025
Hello Sergio, hope your summer is going well in all aspects possible and thought I'd fly you a message of goodwill, most always when I get Cigna mail I think how blessed we are for our meeting at Denny's. Your a good man and we'll always appreciate you directing our best options for healthy adventures. Diane and I have slowed down a bit in the prolonged summer heat. Thanks always... David B.
August 20, 2025
April 2, 2025
March 29, 2025
Q&A with Sergio Valenzuela
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.
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.
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.
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.
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.
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.