Helping with Medicare and Health Questions
I am here to help make it easy.
With over a decade in the health care industry, I am able to make the transition to Medicare and Medicaid easy to understand. Everyone has different needs. Please give me a call and I can help.
Overcome your obstacles
Medicare 101
Part A is hospital coverage with a large deductible. Part B is medical coverage that has an upfront deductible then 20% coinsurance. Medicare dose not include part D or drug coverage.
Medicare Advantage vs. Supplement
Medicare Advantage (MAPD) has two main options: PPO and HMO.
The PPO is a nationwide network that does not require referrals. It also allows coverage in and out of network.
The HMO provides more coverage at lower cost, but you must stay in network.
Medicare Supplement plans
Medicare Supplement plans work as a secondary to Medicare, where the supplement plan covers the gaps in Medicare..
Using your Plan to its Full Potential
A lot of plans offer Gym memberships, OTC allowances, Dental & Vision Benefits. Many change every year.
Extra Assistance
There are two main assistance programs besides Medicare: Medicaid and Low Income Subsidy (LIS)
Medicaid is a state funded low income based program that will help cover the Medicare premium and copays for both medical and hospital.
LIS is a federal program which helps with prescription cost and plan premiums.
What My Members are saying
Helene Proffitt
“Brandon Ojala is my Humana Insurance agent. I am very pleased with his knowledge and professionalism.”
Laurie Voss
“Brandon is exemplary as a broker for the Medicare plans. Brandon goes the extra mile to ensure that his clients get the very best plan to suit that client's needs. Brandon is very professional, very caring, and extremely approachable.
Brandon makes certain that he is up to date on the latest changes for the entire Medicare catalog of plans and packages. Best of all Brandon makes a point of reaching out, personally reaching out, to his clients to make certain their needs continue to be met”