Stephen Merrill, Medicare Insurance Agent
Stephen Merrill
Merrill Insurance Services, Inc
Medicare Agent Licensed in CA
Contact Details
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Location
San Juan Capistrano, CA
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Phone
Stephen Can Help With:
About Me
Hello, I'm Stephen, your neighborhood Medicare insurance advisor. My expertise lies in the realm of Medicare, and my mission is to assist you in identifying the perfect plan tailored to your unique requirements and financial capacity. Allow me to navigate the array of plans available from both nationally and locally esteemed companies on your behalf. And don't worry, my services are provided free of charge! Contact me to discover your Medicare insurance alternatives and don't forget to mention that you discovered me on Medicare Agents Hub!
Q&A with Stephen Merrill
Is it ok to work with a Medicare Agent from another state?
Answer: Not a good idea. Someone from another state or for that matter from a different county will not be as familiar with the plans, what doctors or hospitals participate in a specific plan, or the hospitals in your area. They will also have a relationship with local insurance carrier representative which is good to have should you have any issues. Find a local Broker/Agent that represents the top plans in your area. These plans can change from year to year and the Agent will be able to advise you if you need to change to another plan.
I'm taking a brand-name medication that doesn't have a generic version. How can I find a Medicare Part D plan that will cover it at a reasonable cost?
Answer: Go to medicare.gov, click on drug and health plans, click on find drug plans, enter your zip code, click on Medicare drug plan, find plans, click on the appropriate option or don’t get help from any of these plans, click on yes and next. Enter your meds and select the appropriate drop down med and add drug, when done click done adding,
Complete the rest.
It will sort from least to most expensive
If you could change one thing about the Medicare system, what would it be and why?
Answer: Tell the government to stay out of it. The Biden administration's Inflation Reduction Act just took a Hugh bite out of the medicare Prescription Drug Plan by putting a much bigger share of cost burden on the backs of the insurance carriers. A cost that was once covered by big Pharma. The insurance carriers were not part of this negotiation. Go figure!
If I’m in a Medicare Advantage plan, will I still need prior authorization for procedures next year?
Answer: The basic architecture of the Health Maintenance Organization will still require referrals and prior authorizations for medical procedures.
What are the reasons why I should work with a Medicare agent?
Answer: Obviously the personal experience dealing with the different carriers and if I give you any other reason you will simply attempt to improve your new AI enrolling agent
I've got a Medicare Advantage plan, and I'm curious if my upcoming eye surgery is fully covered or if I'll owe extra out of pocket.
Answer: Eye surgeries are typically out patient at an ambulatory center, (not in a hospital). If it is an ambulatory center most plans in Orange County have a $0.00 copy. Fully covered.