Vincent Orender, Medicare Insurance Broker
Vincent Orender
Securio
Medicare Broker Licensed in PA, AL, AZ, DE, FL, MD, MO, NC, NJ, SC, TN, TX and VA
12+ Years of Experience
Contact Details
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Location
Philadelphia, PA
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Phone
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Website
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Pre-Appointment Form
About Me
Medicare is complex, but you do not have to navigate it alone. As an independent agent specializing in Medicare Supplement and Medicare Advantage plans, I work for you—not the insurance companies. I provide free, unbiased guidance to find top-tier coverage tailored perfectly to your doctors, prescriptions, and budget.
Directions to My Office
Q&A with Vincent Orender
Answer: This all depends on how long you plan to stay in each place. If you stay in either place for longer than 3 months, I would advise enrolling in a PPO. This will give you more flexibility in access to care. With an HMO plan, you must see providers that participate in the plan's network. A PPO will allow you to see providers out-of-network. Keep in mind that seeing providers out-of-network with a PPO often comes with a higher cost. It's important to understand your plan's specific coverage and limitations.
Answer: Each Medicare Advantage plan has a defined network of doctor. You can usually find this information via the carrier's website, calling the plan or a printed Provider Directory. Having a trusted broker is also a great resource to help navigate plan's networks.
Answer: Typically, you will be automatically enrolled in Part A. If you have continuous credible coverage from your employer, you can delay enrollment for Part B. If you do not have coverage through your employer, it is advised to enroll in Part B to avoid a Late Enrollment Penalty.
Answer: Medicare Advantage plans must send the Plan Annual Notice of Change (ANOC) no later than September 30 each year. It is important to open any mail sent from the plan around this time of year.
Answer: For Medicare Advantage, you have a 7-month window to enroll in a plan. The window is 3 months before, the month of, and three months after you turn 65. For Medicare Supplement, you have 6 month window beginning the month you turn 65.
Answer: You may have an election to enroll into a new plan. Annual Enrollment Period takes place from October 15th til December 7th each year. During this time you can explore what other options. If your existing coverage is a Medicare Advantage plan, you also have from January 1st til March 31st to make a plan change. Other special elections may be available to you throughout the year.
Answer: In the event of an emergency; yes. You may want to consider a flexible option such as a PPO if you plan to schedule doctor's visits in other states.
Answer: Varying by state, Medigap Plan N does not qualify as a guaranteed issue for individuals under 65 years of age. However, you may qualify for another option such as Plan G or even Plan F if you were eligible for Medicare prior to January 1st, 2020. It is important to understand each state's specific rules for eligibility.
Answer: Unless you are in your initial enrollment period or qualify for a guaranteed issue, your application for a Medicare Supplement with go through underwriting. Based on the carrier's assessment, you may be denied coverage based on your pre-existing condition.
Answer: When you move, your plan eligibility may change. Medicare Advantage plans are specific to each county. If your specific plan is not available in your new residence's county, you may be automatically disenrolled. You will be given a grace period, also known as a Special Election, to choose a plan that is available in your county.
Answer: A Medicare agent simplifies complex plan choices, matching your specific doctors and medications to save you money at zero cost.