Steven Rodriguez Giudicelli, Medicare Insurance Broker

About Me

Hi! My name is Steven, and I am your dedicated Medicare consultant and agent. My focus is on Medicare, and I am committed to assisting you in finding the most suitable plan that aligns with your unique needs and budgetary constraints. I will tackle the challenge of sifting through plans from nationally and locally recognized companies, so you don't have to. What's more, my services are entirely free! Reach out to me today to explore your Medicare insurance options and be sure to mention that you discovered me on Medicare Agents Hub!

Get in touch with Steven using this form

Q&A with Steven Rodriguez Giudicelli

What do you like most about being a Medicare agent?

Answer: The most rewarding part for me is definitely helping people navigate the complexities of Medicare and find a plan that truly meets their needs. It's a great feeling knowing I've made a confusing process much easier for someone and helped them secure important healthcare coverage.

Are Medicare Advantage plans really "free," or is that just clever marketing?

Answer: While some Medicare Advantage plans have a $0 monthly premium, they are not truly "free." You will still be responsible for other healthcare costs, including your Part B premium, deductibles, copayments, and coinsurance. It's crucial to look beyond the premium and carefully consider the plan's overall costs, benefits, network, and rules before making a decision.

I've been on a Part D plan for a while, and I'm wondering why my generic prescriptions suddenly cost more. Did something change?

Answer: There's a few things to consider: Generic drug costs might be higher because:

* Your plan changed its preferred drug list.

* Different pharmacies charge different amounts.

* The price of the generic drug itself went up.

* You've moved to a different phase of your plan's coverage.

* Insurance rules are shifting slightly.

What to do:

* Check your plan's drug list.

* Call your insurance company.

* Compare pharmacy prices.

* Ask your doctor about other options.

I'm on Medicare Part B, and I'm wondering how my physical therapy visits are covered. Do I have to hit my deductible first?

Answer: Yes, you do have to meet your Part B deductible first. For 2025, the Part B deductible is $257.

Once you've paid that $257 for the year, Medicare Part B will generally cover 80% of the Medicare-approved amount for your physical therapy visits. You'll be responsible for paying the other 20%, which is called coinsurance.

So, in short: Deductible first, then Medicare pays most of it.