Aloha, I’m Alan Young.
Get to know Alan Young.
- I’m an independent insurance agent, specializing in Medicare Advantage and Medicare Supplement plans.
- I am licensed to assist seniors like you located in California and Hawaiʻi.
- Let’s get to know each other!
About Me
I’d like to share a little bit of background about me, so that when we speak, and I hope we will, you have a better idea of who you’re speaking with.
During my 40-year career in retail automotive, I always wanted to know what was most important to my client. These questions were frequently asked by new clients before they purchased:
- Do you really care about what’s important to me?
- Can I trust you?
- Are you going to be considerate of my time spent with you?
- Are you going to help me invest in the car I want, not the one you want to sell me?
- Are you going to be here for me after the sale and take care of me?
Even after retiring from the automotive industry, I still talk to a number of my clients. Many have become friends for life.!
Why I Chose to Help Seniors with Health Insurance
Working a full-time job has its benefits, paid vacation, promotions and of course, health care. I never gave much thought about health care in my 30’s, 40’s and 50’s because it was part of my “Benefits Package”. In fact, my plan was to work well into my mid 70’s and just continue with company health insurance. Boy was I wrong! I didn’t understand what Medicare was and when I tried to figure it out, I became confused! At work, I could go to HR and get help, but who was going to help me with Medicare?
When I was about to turn 65, I was referred to a Health agent who walked me through the steps of enrollment. After signing up, I was still unsure about what I enrolled in, so I decided to become a certified Health Agent, specializing in educating myself, my future clients on their retirement healthcare options. I ended up changing my own plan coverage. This experience was a blessing, inspiring me to learn everything I could about Medicare and become a professional health advocate for seniors. Helping and serving the senior community has given me the opportunity to share my personal experience while educating Medicare eligible seniors and assisting them in choosing the plan right for themselves.
As a Medicare specialist, I continue to ask my clients what is most important to them and do my best to simplify a complex program that best suits their needs. I look forward to serving you!
A Hui Hou,
Alan Young
I’d love to meet and talk with you about Medicare Advantage and Medicare Supplement plans and which plan best suits your healthcare needs.
CA License # 4143849
HI License # 543858
Who I Help
I assist clients in every type of scenario. The most common ones are listed below.
- Turning 65
- Older than 65, but losing insurance
- Unsure whether to stay on employer
insurance or enroll in Medicare - Unhappy with your current coverage
- On social security disability
Making the best decision for you
The plan you choose is a personal decision based on cost, convenience, and health history. Consider the following questions:
- What am I willing/able to spend on premiums, deductibles, coinsurance, and copays?
- Does the plan I’m considering have all the benefits I’m looking for?
- How important is it to me to have vision, dental, and hearing services covered?
- Am I okay with having a restricted list of providers and hospitals within a network?
- Do I feel comfortable using this plan to manage any chronic health conditions I have?
FAQ’s
These FAQ’s do not give complete details. They are meant to be a starting point for a detailed conversation. Please contact me for a complimentary discussion on how to best plan for your Medicare needs. Click on the orange + sign to expand each section.
You have a 7 month window to enroll in Medicare. Up to 3 months prior to your 65th birthday month, you birthday month, and 3 month after your birthday month.
Step 1: Enroll in Original Medicare
WHAT DOES PART A COVER?
- Part A– Hospital Insurance
- Hospital rooms and meals
- Skilled nursing facility care
- Some home health care
- Intensive care
- Operating room services
- Rehabilitation services
- Some drugs & medical
- supplies.
WHAT DOES PART B COVER?
- Part B
- Doctor Visits
- Outpatient Care
- Mental Health Care
- Durable Medical Equipment
- Annual wellness visits & preventative care
- Ambulance services
- Occupational/Physical Therapy
Additional Coverage Options
Option 1
Add one or both to Original Medicare:
- Medicare Supplement Insurance
- Medicare Part D Plan
OR
Option 2
Choose a Medicare Advantage Plan:
- Part C
- Part D
About Medicare Supplement Plans
All the benefits of Part A and B. You’re still in the Medicare program but plans are offered by private insurance companies
- You must continue to pay Part B premiums
- You may have out-of-pocket copays and co- insurance
- Typically have an out-of-pocket maximum
- You may need a referral to see a specialist
- Coordinated care support with provider network
- Most plans include prescription drugs and offer additional benefits:
- Routine dental
- Routine eye exams and eyeglasses Hearing tests & aids
- Wellness programs
Coverage Stages
During the year you may go through drug coverage stages which impacts the amount paid per prescription.
2024 Deductible: $545 Up to plan deductibles (not all plans may have)
Up to $5030 total drug costs
25%
Up to $8000 TROOP costs (most never reach)
To end of the year
Up to $8000 TROOP costs (most never reach)
(starts over yearly)
Not affiliated with the U.S. government or federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800 MEDICARE to get information on all of your options
