Tony Evangelista, Medicare Insurance Broker

About Me

Hi, my name is Tony and I am your local Medicare insurance agent. Medicare is my specialty and I am dedicated to helping you find the best plan that fits your specific needs and budget. I will take on the task of searching through plans from nationally and locally recognized companies so that you don't have to. Best of all, my services come at no cost to you. Get in touch with me today to explore your Medicare insurance options. Be sure to mention that you found me on Medicare Agents Hub!

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I acknowledge that a licensed insurance agent may contact me by phone, email, or mail, to discuss Medicare health plan options, including Medicare Advantage, Medicare Part D and Medicare Supplement plans. I accept the terms of service and privacy policy. This is a solicitation for insurance. Your information will ONLY be sent to Tony Evangelista. No other insurance agents or agencies will receive this inquiry.

Q&A with Tony Evangelista

What are the reasons why I should work with a Medicare agent?

Answer: Working with a licensed Medicare agent offers more than just help picking a plan — it provides peace of mind. Here’s why:

Trust: A good agent works in your best interest, not the insurance company’s. They build long-term relationships based on honesty, transparency, and dependability — so you always have someone in your corner.

Expertise: Medicare is complex. Between Original Medicare, Medicare Advantage, Supplements, and Part D drug plans — plus the yearly changes — a seasoned agent stays current and cuts through the confusion for you.

Personalized Guidance: Your health needs, medications, and doctors are unique. An agent takes time to understand your situation and recommends plans that fit you — not a one-size-fits-all solution.

Time-Saving: Instead of spending hours researching plans or navigating enrollment forms, your agent does the heavy lifting. That means fewer headaches and less chance of costly mistakes.

No Cost to You: Medicare agents are compensated by the insurance companies, not you. Their help is free — whether you enroll through them or not — so there’s no reason not to take advantage of the support.

Annual Reviews: Your health needs and plan options can change each year. A great agent checks in with you before the Annual Enrollment Period to ensure your coverage still works for you.

Help When You Need It: If a claim gets denied, your doctor switches networks, or you have billing issues — you’re not on your own. You have a trusted professional to call.

Local Knowledge & Carrier Access: Independent agents often represent multiple carriers, so they aren’t tied to just one company. They can compare plans across the board and help you find the best value based on what's available locally.

What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?

Answer: Bottom Line

Choose a PPO if you want the freedom to go out-of-network, travel frequently, or already see providers not in an HMO network.

Choose an HMO if cost savings are more important and you're okay with coordinating care within a specific network.

I'm participating in a clinical trial for a new cancer treatment that uses personalized medicine based on my genetic profile. How does Medicare coverage work in this situation?

Answer: What Medicare Does NOT Cover

❌ The Investigational Item or Service Itself

Medicare usually doesn't cover the actual experimental drug or treatment (the personalized genetic therapy in this case), unless it's already approved by the FDA for your condition.

However, the clinical trial sponsor typically covers the cost of the experimental drug or genetic therapy being tested.

I'm worried about affording my medications even with the 2025 changes. Are there additional assistance programs I should know about?

Answer: Yes! There are a number of programs both at the state level and federal level. We do the hard work for you on getting you assistance to qualify for these.

I picked a PPO for the flexibility, but now every time I go out of network the bills are outrageous. What's the point of even having a PPO?

Answer: Copays and cost shares will be higher on most PPO's if you go outside of the contracted network. All depends on the setup and the plan details. More of a reason to work directly with a broker to address every provider.

Tony Evangelista, Medicare Insurance Broker