Vincent Esposito, Medicare Insurance Broker
Vincent Esposito
Medicare Broker Licensed in NY, FL and NJ
Contact Details
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Location
Mineola, NY
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Phone
Vincent Can Help With:
About Me
Hi! My name is Vincent, 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!
Q&A with Vincent Esposito
What benefits are there to working with a Medicare Agent near me vs remote/virtual?
Answer: I feel working with a local agent is smilar to supporting your local community. The local agent will be most likely aware of any upcoming changes in it's local market place.
Can you describe a time when you helped a client navigate a complex Medicare issue?
Answer: You need to listen.. I like to have a conversation and see what is important to the prospect. Try to have a sense of humor.. laughter is good medicine
What is the biggest disadvantage of Medicare Advantage?
Answer: Advantage plans are network driven.. Advantage plans changed or can be discontinued from year to year.
What is one of the the most common misconceptions people have about Medicare?
Answer: Medicare pays all my cost and I will have no out of pocket costs. How much will medicare cost me? Do I need to enroll in medicare if I have coverage through my employer?
What role do annuities play in retirement planning?
Answer: A sense of guarantee and predicability. It's an asset that grows tax deferred. Different annuities for different individuals.. ie variable, index, fixed, spida
What role do you think technology will play in the future of Medicare?
Answer: I believe it will allow seniors that are turning 65 soon better access on plan designs and agents that they can contact. Please keep in mind some seniors are not tech savy and still want that kitchen table appoitment.
Can Medicare pay for my groceries?
Answer: I know some medicare advantage plans give members what is called an OTC allowance. Supplements cost more than most advantage plans and do not offer help with your grocery bill.
What's the difference between a Medicare broker and a Medicare agent?
Answer: Medicare brokers usually can show prospects different options. A insurance company medicare agent will only explain to members the plans that the company sells.
What happens if I am already retired and collecting Social Security when I turn 65?
Answer: if spouse is younger and working you may not need to enroll in medicare. If your still employed you can delay enrolling in medicare if your on an employer sponsored plan
What are some ways to ensure your parents feel supported during the Medicare decision-making process?
Answer: Have a conversation. Let them know that your there to help if issues arise. Explain to them what happens during AEP (Annual Enrollment Period) and what options they have.
Is Original Medicare or Medicare Advantage better? Why do you recommend one over the other?
Answer: Listen ...here's the short answer. Everybody want to save $$ when their healthy and when they have health issues they don't mind paying more to get more. Some pay more from day one knowing that they know what to expect for the what "ifs" in life
What's one piece of advice you wish every senior knew before picking a Medicare plan?
Answer: Don't allow yourself to be dictated.. Agents know that in most cases your not familar medicare arena. . talk to someone that gives you options and do what your gut tells you. Everyone has different needs.. hence different medicare options
How do discount cards and resources affect my Medicare Prescription Drug plan?
Answer: some seniors qualify for LIS (Low Income Subsidy or SPAP (State Pharmacy Assistance Program) ..... Pemiums coud be reduced
What do you enjoy most about working with Medicare clients?
Answer: There life experience is priceless. We can often learn from others . I enjoy putting them at ease knowing that I have their interest. Seniors know other seniors "do the right thing". Call them back answer their questions or find out the answers if asked. My parents are in their late 80's I understand their generation. As per generation Z that's another conversation. lol