Vonda Peralez, Medicare Insurance Broker
Vonda Peralez
Kern Golden Girls
Medicare Broker Licensed in CA and WA
9+ Years of Experience
Contact Details
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Location
Bakersfield, CA
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Phone
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Website
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LinkedIn
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Vonda Can Help With:
- Medicare Advantage
- Medicare Supplement
- Prescription Drug
- Dental Plans
- Vision Plans
- Hearing Plans
- Individual / Family Plans
- Group Benefits
- Life Insurance
- Final Expense Insurance
- Critical Illness
- Long Term Care Insurance
- Short Term Care Insurance
- Disability Insurance
- Hospital Indemnity Insurance
- Annuities
About Me
As a native of Kern County, I know the community you live in. With a combined Medicare experience of over 30 years, our agency can help you find the right plan to fit your needs. Navigating the complexities of Medicare can be challenging and frustrating. We work closely with local doctors, medical groups, and other senior community programs to help the client find the best care for their needs. We are not just agents but we are advocates for our clients. Call me with any questions.
Directions to My Office
Q&A with Vonda Peralez
What should people know about Medicare and its parts?
Answer: Medicare is federal health insurance for people 65+, certain disabilities, and specific conditions. It has four parts: Part A (hospital), Part B (medical), Part C (Medicare Advantage), and Part D (prescriptions). Original Medicare includes A and B, while Advantage plans often bundle extra benefits. Understanding these parts helps you choose coverage and avoid unexpected costs.
It can be confusing, so I would advise you speak to someone like me, an independent agent, to help you navigate the options and help you with your choices.
What happens if my dad’s income changes? Can his Medicare plan or costs change too?
Answer: That's a good question. Most people pay the standard premium for Part B. However, if Modified Adjusted Gross Income (MAGI) from two years prior is above certain thresholds, Income-Related Monthly Adjustment Amount (IRMAA) applies. This adds a surcharge to both Part B and Part D premiums. So if you father is in a higher tier now and his income changes, it is a good idea to appeal the amount with Social Security. You can use form SSA-44 to request a lower IRMAA. You can also call your local Social Security office for help.
Does everyone over the age of 65 qualify for Medicare?
Answer: Well, that is a question I get quite often. And there are layers to that.
First, you must be a U.S. citizen or a legal permanent resident who has lived in the U.S. at least five consecutive years.
You or your spouse must have paid Medicare taxes for at least 40 quarters (about 10 years).
If you meet the work credits requirement, you're usually eligible for premium-free Part A.
Those who don't meet the work requirement may still purchase Part A and must pay Part B premiums, provided they meet the citizenship/residency rules.
If you are still working and covered by your group insurance, you need a good agent to help you decide if you should stick with the group coverage or move to Medicare.
What role do you think technology will play in the future of Medicare?
Answer: Technology is already integral to Medicare and will continue to shape its future. Currently, we utilize our platforms to compare plans and identify the best options for our clients. With the increasing influence of AI, companies are leveraging it for in-depth comparisons in the Part D market. Some are even using AI to interact with clients, review their medications, and recommend the most suitable plans. The role of technology in Medicare is only set to expand further.
How can I get dental and vision coverage with Medicare?
Answer: That's easy! As your broker, I also can show you different stand alone dental/vision plans to fit your budget and needs. It's always a good idea to have a dental plan because oral health is important.
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: Not using a local experienced broker. We test and certify yearly in Medicare regulations and changes. Don't call the 800 numbers on TV, call a broker in your community.
What should I do if I miss the Medicare Open Enrollment period, and I want to change my plan?
Answer: You should always reach out to your local agent. Even if you think you missed an enrollment period, a good agent can educate you on your options. It's our job to stay updated on all the tricks of the trade.