Terry Nacion, Medicare Insurance Agent
Terry Nacion
Applied General Agency
Medicare Agent Licensed in HI and NV
3+ Years of Experience
Contact Details
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Location
Henderson, NV
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Phone
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Website
About Me
Your Trusted Medicare & Life Insurance Advisor
Serving Nevada, Hawaii, Texas & Florida
With years of experience helping individuals and families navigate the complex world of insurance, I specialize in Medicare, Medicare Supplements, and Life Insurance solutions tailored to your needs. Based in Henderson, Nevada, I’m licensed in Nevada, Hawaii, Texas, and Florida, giving my clients access to coverage across multiple states.
I work with multiple top-rated carriers to offer unbiased guidance and personalized plans—whether you’re turning 65, planning for retirement, or simply ensuring your loved ones are protected. My goal is to make the process simple, understandable, and stress-free so you can make confident decisions about your healthcare and financial future.
Services Offered:
✔ Medicare Advantage & Medicare Supplement Plans
✔ Prescription Drug Plans (Part D)
✔ Life Insurance & Final Expense
✔ Health & Supplemental Coverage
I pride myself on building lasting relationships through education, trust, and exceptional service. Let’s find the right plan for you and your family—coverage you can count on, from someone who cares.
Let me know if you’d like a more casual or more formal version, or if you want to include a name, phone number, or website at the end.
Q&A with Terry Nacion
What's the most cost-effective way for a healthy 65-year-old to structure their Medicare coverage?
Answer: You have 2 options - Medicare Advantage or Original Medicare + Supplement. Medicare Advantage minimizes monthly costs now, while Medigap provides greater cost stability and flexibility over time. Many people choose Medigap at age 65 to keep their options open in the future.
Are Medicare Supplement plans the same thing as "Medicare Secondary Insurance"?
Answer: Medicare Supplement plans, also called Medigap, are a type of secondary insurance, but not all secondary insurance is a Medicare Supplement plan. Medicare Supplement plans are standardized policies regulated by the federal government and designed specifically to work alongside Original Medicare (Part A and Part B). They help pay out-of-pocket costs such as deductibles, copayments, and coinsurance.
“Medicare Secondary Insurance” is a broader term that refers to any coverage that pays after Medicare. This could include employer group coverage, retiree benefits, Medicaid, or other private insurance. Medigap is one specific form of secondary coverage, while other types of secondary insurance may follow different rules and coordination of benefits guidelines.
How much do agents charge to help clients to enroll
Answer: Greetings!
Agents typically do not charge you a fee to help enroll in Medicare. Licensed Medicare agents and brokers are paid by the insurance company if you enroll in a plan, and their commission is regulated and built into the plan’s premium. That means you pay the same premium whether you use an agent or enroll directly with the insurance carrier. There is no additional cost for their assistance. An agent can help you compare plan options, review provider networks, check prescription drug coverage, and complete enrollment paperwork to ensure your coverage starts on time and fits your needs.
When can I change my Medicare Advantage Plan?
Answer: You may change your plan during Open Enrollment Period October 15- December 7th of every year.
You may do the following during Open Enrollment:
-Switch plans
- Drop Medicare Advantage Plan and return to Original Medicare
-Join, drop, or switch a Part D prescription drug plan
What are the reasons why I should work with a Medicare agent?
Answer: You should work with a Medicare agent to get personalized guidance and save time navigating the complex Medicare system, as they offer free, unbiased advice by comparing multiple plans from different insurance companies to find the best fit for your health needs and budget. Agents also provide ongoing support, assisting with enrollment and answering questions year-round, at no extra cost to the consumer.