Frequently Asked Questions:

What insurance companies do you work with?

Health Insurance Carriers: Blue Shield, Anthem/Blue Cross, Kaiser, Western Health Advantage, Sutter Health Plus, Aetna, California Choice, Covered California Small Business, Health Net, Valley Health Plan, Oscar, Delta Dental, Vision Service Plan, and others.

Medicare Insurance Plans: Blue Shield, Anthem/Blue Cross, Humana, Cigna, Aetna, SilverScript, Health Net, Well Care, Western Health Advantage, Alignment, Brand New Day, Physicians Mutual, and others.

How do I find a good Medicare insurance agent near me in Sacramento?

Finding a trusted Medicare insurance agent in Sacramento is easier than you might think. Here are some tips to help you:

  1. Look for licensed and certified agents: Make sure the Medicare agent is licensed to sell Medicare plans in California and is up-to-date with certifications for various Medicare options (Part A, Part B, Medicare Advantage, Part D, and Medicare Supplements).

  2. Check for experience and expertise: A good Medicare insurance agent should have experience in helping seniors navigate the complex world of Medicare. Look for agents who specialize in Medicare, as they will understand the nuances of different plans and help you find the best coverage.

  3. Seek personal referrals: Ask friends, family, or other healthcare providers in the Sacramento area for recommendations. Word-of-mouth referrals can often lead to finding an agent who has a good track record with local clients.

  4. Read online reviews and testimonials: Search online for Medicare insurance agents in Sacramento and check their reviews. Websites like Google My Business or Yelp often have customer reviews that can give you insight into their services and customer satisfaction.

  5. Schedule a consultation: A good Medicare insurance agent will offer a no-obligation consultation to discuss your needs. This will give you a chance to ask questions, evaluate their knowledge, and ensure they are a good fit for you.

Why should I use Summit Insurance as my health or Medicare Insurance Agency?

  • Our services are free to you

  • We have over 35 years of local market experience

  • Our agents are Covered California and AHIP certified

  • We are independent with access to over 25 top carriers to choose from

  • We provide long-term personal service to make sure your plans continue to serve your needs

  • We have 90 5-star reviews on Google!

Will I be charged or see a premium increase for working with an insurance agent?

There are no fees for working with an independent insurance agent, nor will you see any increases to your premium from the carrier. As licensed independent insurance agents, we are paid by the insurance carrier and are able to make tailored plan recommendations based on your insurance needs by working with multiple major carriers.

Do I need to enroll in Medicare if I’m still working?

If you’re still working and have employer coverage, you may not need to enroll in Medicare immediately. Here’s what to consider:

  1. Employer Size:

    • If your employer has 20+ employees, you can delay enrolling in Medicare Part B but should consider enrolling in Part A (which is usually premium-free).

    • If your employer has fewer than 20 employees, you’ll need to enroll in both Part A and Part B.

  2. Special Enrollment Period (SEP):
    If you delay Part B, you can enroll later during the 8-month Special Enrollment Period after losing employer coverage.

  3. Avoid Penalties:
    Enroll on time to avoid late penalties for Part B and Part D.

Many people are eligible for premium-free Part A, so you may want to enroll in Part A while waiting to delay Part B of Medicare. Not sure what to do? Contact us for help navigating your options!

What do I do if I lose my health insurance coverage?

If you lose your health insurance, you may qualify for a Special Enrollment Period (SEP) to apply for new coverage through Covered California or a private plan. You have 60 days from losing coverage to enroll. If you miss this window, you may have to wait until the next open enrollment period.

To explore your options and avoid gaps in coverage, reach out to us for guidance on finding a new plan that fits your needs.

Can I switch my health insurance plan after open enrollment?

Outside of open enrollment, you can only switch your health insurance plan if you qualify for a Special Enrollment Period (SEP). This can happen if you experience a qualifying life event, such as losing coverage, getting married, or moving.

If you don’t qualify for an SEP, you’ll have to wait until the next open enrollment period to make changes.

Contact us to find out if you’re eligible for an SEP and explore your options!

Check out frequently asked questions below on Medicare and Health insurance. If you have any questions about Medicare or Health insurance, please know we are here to help! There are no fees for our services so give us a call or email us today for tailored, expert insight: (916) 346-4417.