Wendy Zapata, Medicare Insurance Agent
Wendy Zapata
NorCal Financial & Insurance Solutions
Medicare Agent Licensed in CA
19+ Years of Experience
Contact Details
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Serving
Grass Valley, CA
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Phone
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Website
About Me
I’ve been providing local and statewide MediCare planning for 19 years, I am an owner/CEO of NorCal Financial and Insurance Solutions. Located in Yuba City, CA, I serve not only as a community servant but as a resource for my clients, friends and community. I am proficient in assisting with Medicare choices as they change every year. I’m here to lend advice and get you into the right plans for your specific needs. I am also Registered Social Security Analyst so I can help you optimize your Social Security to fit you best. I look forward to working with you.
Q&A with Wendy Zapata
How do you approach educating clients who are new to Medicare versus those who are considering switching plans?
Answer: Good morning,
Every person has a different set of needs. I have a conversation with each individual and let them know what plans are available to them in their county. I break this down for them, including network choices, if this is important. This applies to the “new to Medicare” as well as folks wanting a plan change or options.
My doctor wants me to try acupuncture for my back pain. Will Medicare cover any of this?
Answer: Yes, Medicare covers acupuncture for chronic lower back pain. So Part B would cover a certain amount of treatments. Also, some Medicare Advantage plans offer acupuncture coverage.
I want to get a shingles vaccine. Will Medicare cover this preventive service?
Answer: Yes, Medicare now covers the shingles vaccine. Remember, it’s a series of 2 vaccines. So prepare for this.
Why is the new $2,000 out-of-pocket maximum for drug costs important?
Answer: Good morning,
This is important because it limits the out-of-pocket costs and has eliminated the coverage gap, which was very expensive to many.
Will I be penalized if I do not enroll in Medicare when I turn 65?
Answer: This depends upon if you are employed and if your employer provides your medical insurance and will they require you to enroll in Medicare or not. If you are self-insured, then most likely, if you do not enroll during your initial enrollment period, you can be penalized on Part B and Part D.
I hope this is helpful.