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Medicare Insurance Agent Torrance California

Integrity Now Insurance Brokers has been in the insurance industry for over 20 years.  We have helped thousands of Medicare Beneficiaries in and around Torrance, CA obtain their needed Medicare insurance coverage. 

Our Medicare insurance agents are local to Torrance California, which means we have access to all of the national and local Medicare plans.

Our insurance agents are Medicare Certified Health Insurance Agents who have taken and passed their annual AHIP certifications.  

This annual certification allows us the ability to help you understand your Medicare benefits you earned.  

No matter if you are New to Medicare and you are about to turning 65 or you are already covered by Medicare we got you covered.  

We can help answer all your questions and help you enroll into the Medicare plan that best meets your needs. 

Medicare Insurance Agent Torrance California

Working With A Local Medicare Insurance Agent Torrance California

Do you need help you evaluating your current Medicare plan?  That is what we are here for.  Let us know which plan you are currently covered under, and we can review your plan and see how it compares.

Torrance is centrally located in Los Angeles County which means you have numerous Medicare options to choose from.  If you are wanting to join a Medicare Advantage plan, there are no shortages of options to pick from.  

While most Medicare advantage plans are HMO plans, we should be able to find a plan that covers most of your doctors and prescription Medications.  It is important to review all cost associated with the advantage plan you select.  

However, if you are wanting the freedom to choose any doctor and medical facility then you can stay on Original Medicare and purchase a Medicare Supplement plan.  Many of our clients prefer this option as they don’t want to be tied to a network and they want to self-refer themselves to specialist.   

As your Medicare Insurance agent, we can help you find a Medicare plan that is best for you and your medical needs.

Have you enrolled in both Part A and Part B of Medicare

For a local Medicare Insurance Agent Torrance California to help you sign up for a Medicare plan, you will need to first make sure you have fully signed up for both Medicare Part A and Part B.  Once you have received your Red, White, and Blue Medicare card that shows an effective date next to each of these Parts of Medicare we can then help you pick a plan. 

For those who are most interested in a Medicare Advantage plan, we will need for you to provide a list of all your medications and Doctors that you are wanting.  Once we have this information, as your Medicare Insurance agent we will begin to search all available Medicare Advantage plan options in and around Torrance, CA area.

If you are wanting to stay on Original Medicare and obtain a Medigap plan, we will only need your list of prescription drugs as all doctors that accept Medicare will be included under your plan.  You will also be able to choose from a list of Part D plans and select the one that provides the most coverage based on the prescriptions drugs you currently take.

To get started, either give us a phone call or fill out our form and we will begin the process of finding a Medicare plan option based on your individual health needs.  One of our certified Medicare Insurance Agents, looks forward to talking with you.

How To Avoid A Part D Late Enrollment Penalty

When you first sign up for Medicare Part A and Part B, you will also need to sign up for Part D of Medicare.

Part D covers your prescription drugs obtained at a pharmacy. 

If you do not have creditable coverage from your employer, you will need to purchase Part D coverage.

You can obtain your Part D coverage on a standalone plan, if you are enrolled into Original Medicare.

If you leave Original Medicare and sign up for a Medicare Advantage plan, most will include your Part D coverage within the plan itself.

Medicare beneficiaries are not allowed to enroll into an Advantage plan with a Part D benefit, and sign up for a better standalone plan.

Your Medicare Insurance Agent Torrance California, is here to help you enroll into the appropriate plans.  This way we can help you avoid any late penalties in the future.

Avoid Part D Late Enrollment Penalty

Get Help From A Medicare Insurance Agent Torrance California

We know that Medicare is very confusing, and sometime we may not have all of the answers to your questions.  This is largely due to the fact that Medicare is constantly changing from year to year.  

If we don’t have all of the answers and we are experts in this industry, how can you be expected to understand Medicare.

The great news is, we are constantly working through thousands of questions related to Medicare day in and day out.  This means we have a firm grasp on most questions.  

Working with a Medicare Insurance Agent Torrance California, will give you the peace of mind you need.  With hundreds of plans to choose from, make sure you are using a local expert.

We are here to help you make an informed decision on what Medicare plan is best for you.  Reach out ot one of our local Medicare insurance agents, and we will help walk you through the process.