Shahwali Hotaki, Medicare Insurance Agent
Shahwali Hotaki
Medicare Agent Licensed in CA
Contact Details
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Location
West Hills, CA
Shahwali Can Help With:
About Me
Hi, my name is Shahwali and I am your local Medicare insurance agent. Medicare is my specialty and I am dedicated to helping you find the best plan that fits your specific needs and budget. I will take on the task of searching through plans from nationally and locally recognized companies so that you don't have to. Best of all, my services come at no cost to you. Get in touch with me today to explore your Medicare insurance options. Be sure to mention that you found me on Medicare Agents Hub!
Q&A with Shahwali Hotaki
What do you like most about being a Medicare agent?
Answer: Honestly, what I love most about being a Medicare agent with Ikhlas is knowing that I’m helping people when they need it most—especially our elders, who often feel confused or overlooked when it comes to their healthcare choices.
As a captive agent, I don’t just represent a product—I represent a mission. At Ikhlas, we serve with sincerity, and that means everything to me. When a client tells me, “I finally understand my plan, and I feel taken care of,” it reminds me why I do this.
It’s not just about sales. It’s about trust, clarity, and real human connection. I'm proud to be part of a team that leads with integrity and puts people first, every single time.
Can Medicare cover wearable medical devices like insulin pumps or seizure monitors for chronic conditions?
Answer: Yes, Medicare can cover certain wearable medical devices—but it depends on the device, the medical necessity, and the specific Medicare coverage you have.
I just got Medicare Part A, and I'm worried about hospital stays. How do I know if my overnight stay will be covered fully?
Answer: That’s a very smart question—and an important one to ask. Just having Medicare Part A doesn’t automatically mean every hospital stay will be fully covered. Here’s how it works, in simple terms:
Medicare Part A Covers Inpatient Hospital Stays
…but only if you are officially admitted as an inpatient by a doctor.
Key things to look for:
Admission Status Matters:
You must be admitted as an inpatient, not just kept for observation (even if you stay overnight).
Tip: Always ask, “Am I officially admitted as an inpatient, or under observation?”
What’s Covered Under Part A:
Semi-private room
Meals
General nursing
Drugs as part of your inpatient treatment
Necessary hospital services and supplies
What You May Pay:
$1,632 deductible (in 2024) for each benefit period
After day 60: daily coinsurance starts
After day 90: lifetime reserve days apply (you have 60 total in your lifetime)
How can I plan for Medicare costs if I expect to need long-term custodial care in a nursing home or assisted living facility?
Answer: Medicare doesn’t cover long-term custodial care in a nursing home or assisted living, so it’s important to plan ahead. Options include long-term care insurance, Medicaid planning, hybrid life insurance policies with care benefits, or using personal savings. Starting early with a financial planner or elder law expert can help protect your assets and ensure you’re prepared.