Shivaram Swamy, Medicare Insurance Agent
Shivaram Swamy
Medicare Agent Licensed in NC
Contact Details
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Location
Cary, NC
Shivaram Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
Greetings! I'm Shivaram, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'll handle the research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities, and remember to mention you found me through Medicare Agents Hub!
Q&A with Shivaram Swamy
I’m 73, became an LPR May 16, 2024, and enrolled in Medicare A and B in May 2025, with B effective February 2026; my U.S. citizen husband worked here over 10 years. Why was my Part B penalty calculated from age 65 to LPR status when I lived abroad and was neither a citizen nor an LPR?
Answer: Your Medicare Part B penalty should be based on when you first became eligible for Medicare, not simply when you turned 65. Since you were living abroad and were neither a U.S. citizen nor a permanent resident, I recommend requesting a review from Social Security. Your husband’s work history may also affect your eligibility date. Ask Social Security to verify your original eligibility date and recalculate the penalty if necessary.
What are the reasons why I should work with a Medicare agent?
Answer: Working with a licensed Medicare agent can make a significant difference when choosing the right coverage. Medicare can be confusing, with different plans, benefits, costs, and coverage options. My goal is to simplify the process by taking the time to understand each client’s healthcare needs, financial situation, preferred doctors, and prescription medications before recommending suitable options.
As a licensed Life, Health, and Medicare insurance agent in North Carolina, I believe every client deserves personalized attention, honest guidance, and clear explanations without pressure or confusion. I help clients compare available plans, understand their benefits, avoid unnecessary expenses, and make informed decisions with confidence. My assistance comes at no additional cost to the client, and my commitment extends beyond enrollment. I strive to build lasting relationships by remaining available to answer questions, review changing needs, and provide ongoing support. My priority is not simply to help someone enroll in a plan, but to help them feel confident that their coverage meets their individual needs.