Soledad Ramirez, Medicare Insurance Broker
Soledad Ramirez
SR Insurance Services Inc
Medicare Broker Licensed in CA, AZ, NV and WA
Contact Details
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Location
San Diego, CA
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Phone
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Soledad 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
Hello, my name is Soledad Ramirez and I am a Health and Life Broker who specializes in Medicare. I have been helping and educating seniors for over 14 years. As a local and licensed insurance agent, I can help make informed recommendations because I know the members and parts of our community important to Medicare plan selection and provide a detailed custom report. I provide access and knowledge on a wide variety of Medicare plans, assistance with all pertinent Medicare questions, plan selection, and enrollment. I also provide continued support year around especially during Open Enrollment to help with all the Medicare changes that will be occurring now and in the future.
As you embark on this new chapter, remember that a licensed, LOCAL Medicare agent is ready to assist you in understanding your options and securing the right coverage for your needs. So, please don't hesitate to reach out for personalized guidance and support, free of charge.
Directions to My Office
Q&A with Soledad Ramirez
What's one piece of advice you wish every senior knew before picking a Medicare plan?
Answer: It's very important if you are retiring and delaying your Part B, you will need form L-564 filled out and signed by your employer indicating you have had CREDIBLE COVERAGE from age 65 until you date you retire - OR Social Security WILL add a penalty to your Part B premium which is for the REST of your LIFE!
What is one of the the most common misconceptions people have about Medicare?
Answer: That is PAYS for EVERYTHING. That it covers Long Term Care - although you only have 100 total days (lifetime) of Assisted Living care after a surgery or stay in the hospital.
How will the new 2025 Medicare Part D out-of-pocket cap impact seniors and prescription drug costs?
Answer: It will help if you are taking many prescriptions that are high in costs - as it caps it at $2,000/year - if you are not, then it may impact you adversely as the drug plan premiums are now high in costs.
If a senior is turning 65 but still working, should they enroll in Medicare or delay it?
Answer: If they work for a company that has more then 20 employees and the coverage is being paid in FULL then YES delay until retirement - IF you work at a company with less then 20 employees, then YES enroll into Medicare - ALSO if you are paying a portion of your coverage at work - it's BEST to see what it would cost if you were on your OWN - it could be quite less and BETTER coverage and lower costs in general.
What are some ways to ensure your parents feel supported during the Medicare decision-making process?
Answer: Working with a local agent as we do NOT charge for our services - we are certified, licensed and trained on all products and can provide unbiased options and in-depth information that is very valuable.
Which Medicare Supplement plan (Medigap) offers the best value for most seniors, and why?
Answer: It depends on where you live and your age for the most part - so it's best to do a needs assessment and then shop around for the best plan rates as they are standardized by the Federal Government and can be used anywhere in the US that a doctor takes Medicare Assignment.
Why do some seniors end up paying lifelong penalties for Medicare Part B or Part D?
Answer: Because they didn't enroll in a timely manner for Part B and Part D - they were given poor information from their Plan administrators OR they had NO idea they had to enroll.
Do I have to answer health questions when switching from one Supplemental/Medigap plan to another?
Answer: Only when it's a NON - Guaranteed issue time frame - which are when you do it during the year and not on your birthday month or when you enroll after your 6 months of turning 65.
What is the biggest disadvantage of Medicare Advantage?
Answer: You have to stay in your network and if it's an HMO you have to obtain referrals to see your specialist doctors.