Who do I represent?

 

I represent YOU, the Medicare Beneficiary and Insurance client.  My main objective is to find the right plan and coverage that fits your needs.

 

As an independent licensed insurance agent, I work with many different companies to provide you with many choices.

 

What is a Medicare Broker?

 

A Medicare insurance broker is an independent agent who represents multiple carriers and can give you an unbiased opinion on your Medicare plan options. They are appointed by many different insurance companies so that they can find the right fit for you rather than having to push one carrier. A Medicare broker will be able to review the options available and search for a plan that most closely fits your individual needs and budget. The Medicare broker gets paid by the insurance companies they represent. There is no extra fee or cost for enrolling through a broker.

 

How can I apply for Medicare?

 

You can apply for Medicare by calling Social Security at 1-800-772-1213 or Click Here to apply.


 

How can I apply for assistance from the state?

 

You can apply for Hawaii Medicaid / Quest Integration. Click Here to apply.

 

What is the difference between Medicare and Medicaid?

 

Medicare is a federal health insurance program administered by the Center for Medicare & Medicaid Services (CMS).  People who qualify are age 65 and older, under 65 with certain disabilities, End-Stage Renal Disease, and ALS / Lou Gehrigʻs Disease.


Medicaid is a joint State and Federal Program that helps pay medical cost for certain groups of people with limited income and resources.  Hawaiiʻs State Medicaid program is called Quest Integration or Med Quest.


 

Where can I apply for Extra Help for my prescription drugs?

 

You can apply for Extra Help. Click Here to apply.

 

When can I enroll in Medicare and what are my enrollment periods?

 

Initial enrollment period:

 

When someone turns 65, they have 3 months before, the month of, and 3 months after to select a Medicare plan.

 

Annual Enrollment Period (AEP):

 

From October 15th to December 7th Medicare Beneficiaries get to add, drop or change their Medicare coverage for the following year.  This is an important time that beneficiaries can compare plans and find the plan that best fits their needs for the following year.

 

Medicare Advantage Open Enrollment Period:

 

From January 1st to March 31st Medicare Advantage members can make one more change, from a Medicare Advantage plan to a different Medicare Advantage plan, or from a Medicare Advantage plan to Original Medicare and a stand alone PDP.

 

Special Enrollment Period:

 

Medicare beneficiaries who have certain life events may be able to make changes to their Medicare Advantage or Prescription Drug Plans during a special enrollment period.


 

Do I need to sign up for Medicare, or will I be automatically enrolled? 

 

If you signed up for Social Security before age 65 (eligibility for full benefits currently begins at age 66), you will automatically be enrolled in Medicare parts A and B and receive your card three months before your 65th birthday.


 

My friend has a question about Medicare and Insurance, can I have them call you?

 

Absolutely! We love referrals and helping out friends of friends! Please feel free to share my contact and have them call me! Mahalo in advance!


 

Is it true, my services are 100% free?

 

Yes, as your licensed insurance agent, I get compensated by the Insurance carrier that is the right fit for you.  Our loyalty is to You, the client, not the Insurance companies.



 

Why have Kamaka Jingao as your servicing agent?

 

Kamaka will always look after your best interest, he is trustworthy and stands by his values and integrity.  He will be your servicing agent, trusted advisor and friend.  He will provide the utmost service and respond to your needs in a timely fashion.

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© Kamaka Jingao 2020 

kjingao@fbihi.com
808-286-0022

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