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Mike, was able to assist and answer all questions. He was very helpful and enrolled me in a plan that I could afford! Melinda G, Ventnor City, NJ Read more reviews
More about Mike
I was born in Bolivia and raised in the U.S. I am a proud father and husband. I have a one-year-old and he is my life!
Three words that describe me:
Charismatic, dependable, and outgoing.
Favorite thing to do when not at work:
Hang out with family.
Favorite place to visit and why:
The Caribbean! Blue water and white beaches! It’s paradise!
What I like most about helping people find the right Medicare plan options:
That I know I am helping people get the right protection for their health care.
My favorite sport is soccer, I am a big fan of Real Madrid and Real Salt Lake. I like any sort of music and love all action movies!
Medicare articles by Mike
Does Medicare Cover Carpal Tunnel Syndrome Surgery?
The National Institute of Neurological Disorders and Stroke (NINDS) notes that common symptoms of carpal tunnel syndrome include numbness, weakness, burning, tingling or sometimes pain in the hand and wrist. As symptoms worsen, you may have trouble grasping... Read more
How Many Hours of Sleep Do Seniors Need?
How many hours of sleep you need decreases with age but only up to 18 years, according to National Heart, Lung, and Blood Institute. Infants need up to 16 hours of sleep a day; teens need up to 10 hours of sleep a day, and adults aged 18 years and older need... Read more
What is considered high blood pressure?
When your health care provider takes your blood pressure reading, he or she compares your blood pressure numbers with a known standard, according to the National Institutes of Health. But that standard may be changing. What is the standard range for blood... Read more
How does Tricare work with Medicare Advantage?
Tricare for Life (TFL) is the health insurance program for qualified military retirees and their eligible dependents. This is different than Medicare, which is the national health care system for many people age 65 and older and for people with certain... Read more
Can Medicare Supplement Plans Help with Pre-existing Conditions?
If you have health problems, sometimes known as pre-existing conditions, could it help you to buy a Medicare Supplement plan? Could you even buy a Medicare Supplement plan if you have a pre-existing condition? As a Medicare beneficiary, you may be able to... Read more
Does Medicare Cover Compression Socks
Benefits of compression socks Swelling of the feet and ankles is a common problem among older people, reports the U.S. National Library of Medicine. If swollen feet is a problem for you, your doctor may recommend compression socks. Compression socks, also... Read more
Skilled Nursing Care and Medicare
Medicare defines a skilled nursing facility as "a nursing facility with the staff and equipment to give skilled nursing care and, in most cases, skilled rehabilitative services and other related health services." When could I need skilled nursing care? You... Read more
What is a prescription drug plan formulary?
If you have a stand-alone Part D Prescription Drug Plan or a Medicare Advantage prescription drug plan from a private insurance company, you may assume that all your prescription drugs will be covered. One way to know in detail what prescription drugs your... Read more
Medicare Supplement Plans and Moving Out of State
If you're currently enrolled in a Medicare Supplement (Medigap) plan and moving out of state, you may be wondering if there's anything you need to do. To avoid a lapse in coverage, read on to learn how Medicare Supplement insurance works if you're moving and... Read more
What is a Medicare Private Fee-for-Service (PFFS) Health Plan?
What is a Medicare Private Fee-for-Service (PFFS) Health Plan? Did you know that Medicare Private Fee-For-Service (PFFS) plans may give you the freedom to choose any doctor you want, as long as he or she accepts the plan's payment terms? And it gives... Read more
Medicare Premium Payment Process
Although Medicare is partially funded by the government, you may still be responsible for Medicare payments. If you have Original Medicare or a Medicare Advantage plan, you will pay a monthly Medicare premium for Medicare Part B (medical insurance). In... Read more
How does Medicare Part D work with other insurance?
Medicare Part D Prescription Drug Plans If you are a Medicare beneficiary, or will be soon, you might be concerned about getting prescription drug coverage under Medicare Part D. Anyone who has Medicare coverage –Part A (hospital insurance) and/or Part B... Read more
Are Medicare Advantage Premiums Tax Deductible?
What is a tax deduction? If you meet certain conditions set by the Internal Revenue Service (IRS), you may be able to get a tax deduction for your Medicare Advantage premiums. According to the IRS, you subtract your tax deductions from your income before you... Read more
How to Handle Nursing Home Complaints and Problems
Whether you're a caregiver or the one who needs care, you might have concerns about quality of care in a nursing home. You might be looking for a way to file a complaint – for example, if: You feel that care isn't as good as it should be. You or... Read more
Why Might I Want to Enroll in a Medicare Supplement Plan?
Medicare Supplement plans are sold by private insurance companies to work alongside your Original Medicare (Part A and Part B) health-care coverage. (You generally cannot have Medicare Supplement insurance with a Medicare Advantage plan.) Perhaps the best... Read more
Can I get Medicare Coverage for My Children?
Generally, most people age 65 and over are eligible for Medicare as long as they are American citizens or legal permanent residents for at least five continuous years. There are also some situations where you might be eligible for Medicare before you turn 65.... Read more
Can my Insurance Company Cancel my Medicare Supplement (Medigap) Plan?
Usually, Medicare Supplement (also called Medigap) plans are guaranteed renewable – that is, the insurance plan can't cancel your plan, except in certain cases. Medicare Supplement plans are offered by private insurance companies and may help you pay... Read more
Medicare and Employer Health Insurance
Do I need to enroll in Medicare when I turn 65 if I’m still working? If you have health care coverage through your employer, you may choose to delay enrollment in Medicare Part B when you turn 65, since Part B includes a monthly premium. You may be able... Read more
Does Medicare Cover Scooters?
If you have mobility issues and are enrolled in Original Medicare (Part A and Part B), your Part B benefits may cover 80% of allowable charges for a power scooter after your Part B deductible is met. You'll have to meet certain eligibility requirements... Read more
When and How to Say No to Caregiving
Close family members or friends hold millions of unpaid caregiving roles in the United States, according to the Centers for Disease Control and Prevention (CDC). However, there may come a time when you will have to say “no” to caregiving and have your... Read more
Does Medicare Cover Eyeglasses?
As you get older, you may find that your eyesight isn’t what it used to be, and it’s likely you’ll need corrective lenses at some point. According to the Centers for Disease Control (CDC), 92% of adults age 70 and older wear prescription eyeglasses.... Read more
Does Medicare Cover a Colonoscopy?
According to the National Institute of Health's National Institute of Diabetes and Digestive and Kidney Diseases (NIDDK), a colonoscopy is often used as a screening tool for colon cancer and colon polyps. If you are enrolled in Original Medicare (Part A and... Read more
Does Medicare Cover Neurontin?
Does Medicare cover the epilepsy medication Neurontin? Original Medicare, which consists of Medicare Part A and Part B, doesn't usually cover Neurontin (except in certain situations described below). In order to cover this prescription medication, you... Read more
Alcoholism Overview: Symptoms, Prevention, and Treatment
According to a report by the National Institutes of Health (NIH), about 15 million adults in America show symptoms of alcohol use disorder and approximately 88,000 people die annually from alcohol-related causes. Perhaps the easiest way to define alcoholism... Read more
Can I save money by switching Prescription Drug Plans?
Although Medicare prescription drug coverage is voluntary, the Centers for Medicare & Medicaid Services (CMS) reports that as of 2017, over 57 million Americans are enrolled in Medicare. Of those, about 27%, or about 15 million, are not enrolled in a... Read more
Medicare Pilot Program
If you or a family member are enrolled in Medicare, you may have seen a notice for a Medicare pilot program, also called research studies or demonstrations. If you are interested in becoming part of a Medicare pilot program, this is what you might want to... Read more
Does Medicare Cover Nursing Home Care?
If you or a loved one needs nursing home care, you may have questions about Medicare coverage for your expenses. This article explains what costs Medicare will cover and what options are available for additional help. What nursing home... Read more
Medicare Coverage of Diabetic Neuropathy
If you have been diagnosed with diabetic neuropathy and you are enrolled in Original Medicare (Part A and Part B) or a Medicare Advantage plan, you may have questions about Medicare coverage for your treatment and tests. What is diabetic... Read more
Caregiving and Ambiguous Loss: When Your Loved One Is Mentally Absent
Are you a caregiver for a family member who suffers from dementia or another health condition that affects memory, cognitive abilities, or personality? Along with the many challenges of caregiving, including emotional or financial factors, you and other... Read more
Do Medicare Supplement (Medigap) Plans Cover Prescription Drugs?
As you may already know, there's only limited prescription drug coverage under Original Medicare, Part A and Part B. Part A may cover medications given to you as part of your inpatient treatment in a hospital. Part B may cover some medications administered to... Read more
How does Medicare work with Obamacare?
Medicare and Obamacare: Is Medicare part of Obamacare? While the Affordable Care Act (Obamacare) brought some changes to Medicare, it doesn’t replace Medicare. Medicare isn't part of the federal Health Insurance Marketplace (sometimes called an... Read more
What Is Geriatric Care and How Do I Find a Geriatrician?
As people age and their health-care issues become more complex, they may see a number of different doctors and specialists. A doctor who specializes in treating the unique health needs of aging adults is called a geriatrician, and may be well suited to care... Read more
Five Tips for Finding a Primary Care Physician
The American Academy of Family Physicians defines a primary care physician as a doctor who specializes in being the patient's first point of contact. In addition, primary care doctors are trained in continued health maintenance, including prevention,... Read more
How to File Medicare Claims
A Medicare claim is a request for payment that you submit to Medicare when you receive health-care services and items you believe to be covered. In most cases, if you're a Medicare beneficiary, you won't have to file your own Medicare claims. However, there... Read more
Caregiver Tips for Patients with Brain Injury
Caring for a loved one with a brain injury can change your life in ways your family might not expect. The path for both caregiver and patient may vary day by day, leading you to learn from your successes and failures as you go. If you are... Read more
Where Can I Find Medicare Forms?
If you're currently enrolled in Medicare, or about to become eligible for Medicare benefits, you may have questions about where to find important forms and publications about your coverage. Here are some tips and resources to help you get the information you... Read more
What Is an Aortic Aneurysm?
Has your doctor told you that you're at risk for an aortic aneurysm? Medicare Part B may cover a screening test for you. Learn about aortic aneurysms and what you can do if you are at risk. What is an aortic aneurysm? An aortic aneurysm is a bulging... Read more
Psoriatic Arthritis Treatment
Psoriasis is a skin condition that produces red patchy skin with silver-colored scales. According to the National Institutes of Health (NIH), about 10 to 20 percent of people with psoriasis is at risk for developing psoriatic arthritis. Psoriatic arthritis... Read more
Can Medical Insurance Companies Drop Your Medicare Coverage?
When you are enrolled in the Medicare program, you have certain rights and protections under federal law. You may have Original Medicare (Part A and Part B) or a Medicare Advantage plan. Regardless, if you meet eligibility requirements, you have the right to... Read more
Does Medicare Cover Hepatitis?
If you have been diagnosed with hepatitis, you may have many questions about your disease and how your Medicare coverage pays for your treatment. There are five main types of hepatitis: A, B, C, D, and E; each has a different cause and a different course of... Read more
Is a Medicare Advantage Prescription Drug Plan from Humana the Same as a Standalone Medicare Prescription Drug Plan from Humana?
Understanding your coverage under the Medicare program is an important first step in understanding the benefits available through Medicare Prescription Drug Plans and Medicare Advantage plans from Humana. The Medicare program is divided into four parts:... Read more
Checklist for the Medicare Annual Election Period (Infographic)
The Medicare Annual Election Period (also called the Open Enrollment period) runs from October 15 through December 7 each year. See what you can do during the Medicare Annual Election Period, and use our checklist of things to keep in mind during this... Read more
Does Medicare Cover Gastric Bypass Surgery?
If you meet certain criteria and your doctor determines the procedure is medically necessary, then Original Medicare, Part A and Part B, may cover certain types of gastric bypass surgery. Typically this surgery is only approved for beneficiaries when previous... Read more
Does Medicare Cover Shower Chairs?
Original Medicare, Part A and Part B, generally doesn’t consider a shower chair to be durable medical equipment. So even if you qualify for Medicare by age or disability, a shower chair doesn’t qualify and would not usually be covered under Original... Read more
Does Medicare Cover Avandia?
If you have type 2 diabetes, your doctor might treat you with Avandia, or rosiglitazone (the drug's generic name), along with diet and lifestyle changes and sometimes other medications. That's according to the National Institutes of Health's Medline Plus... Read more
Does Medicare Cover a Vasectomy?
If you’re a male Medicare beneficiary who wants to make sure he doesn’t cause a pregnancy, you might be wondering about Medicare coverage of a vasectomy. A vasectomy is almost 100% effective at preventing pregnancy, according to Planned Parenthood.... Read more
Medicare and LASIK Eye Surgery
If you’re a Medicare beneficiary hoping to improve your vision with Lasik eye surgery, Medicare doesn’t cover this procedure. What is LASIK eye surgery? According to the Food and Drug Administration, LASIK eye surgery changes the shape of the cornea... Read more
Does Medicare Cover Glucophage?
Original Medicare (Part A and B) typically doesn't cover prescription drugs like Glucophage. Generally, you'd need a Medicare plan that includes prescription drug coverage if you want help paying for medications that you fill at the pharmacy and take at... Read more
How Your Medicare Part D Late-Enrollment Penalty Is Calculated
Medicare Part D is prescription drug coverage. It's optional, but if you delay enrolling in a Medicare Part D Prescription Drug Plan, you may be charged a late-enrollment penalty if you decide to enroll later. Here is how that penalty is calculated and... Read more
Does Medicare Cover Knee Replacement Surgery Costs?
Knee replacement surgery, along with hip replacement, are the most common types of surgery for those enrolled in the Medicare program, according to the Centers for Medicare & Medicaid Services. More than 400,000 Medicare beneficiaries had knee or hip... Read more
Medicare in Arizona
While shopping for a Medicare plan in Arizona, let Medicare.com be your go-to resource. You can enjoy complimentary access to our plan comparison tool that allows you to evaluate plan options nearest you. About Medicare in Arizona Arizona beneficiaries may... Read more
Medicare in Idaho
While shopping for Medicare in Idaho, Medicare.com can be your resource for plan comparisons and other information. About Medicare in Idaho Beneficiaries in Idaho generally have two options when enrolling in a Medicare plan: You may enroll in Original... Read more
Medicare in Mississippi
Are you shopping for a Medicare plan in Mississippi? This may feel like a daunting task, but Medicare.com strives to be your resource for Medicare information. We offer the obligation-free use of our plan comparison tool so that you can review available... Read more
Medicare in New Jersey
plans. Medicare.com can provide resources so you can compare plans in your area and decide what works for you. About Medicare in New Jersey Eligible Medicare beneficiaries in New Jersey can enroll in Original Medicare (Part A and Part B) or join a private... Read more
Medicare in New Mexico
Beneficiaries in New Mexico generally have two main options for receiving their Medicare benefits: Original Medicare, Part A and Part B, or Medicare Advantage, also called Medicare Part C, offered by private Medicare-approved insurance companies. Original... Read more
Medicare in South Dakota
If you’re a Medicare beneficiary in South Dakota, it can be a good idea to get familiar with all the available coverage options. Keep in mind that your Medicare options will depend on where you live, but may include the options of Medicare Advantage,... Read more
Medicare Advantage Election and Disenrollment Periods
Generally, you can only enroll in, switch, or disenroll from a Medicare Advantage plan during specific times of the year. Outside of when you first become eligible to enroll, and election periods that happen annually, your opportunities to make changes to... Read more
Medicare Part A – Hospital Insurance
What is Medicare Part A coverage? Medicare Part A is health insurance offered by the federal government to United States citizens and legal immigrants who have permanently resided in the U.S. without a break for at least five years. You’re eligible if... Read more
Medicare Supplement (Medigap) Guaranteed Issue Rights
When you apply for a Medigap policy (Medicare Supplement insurance), you have certain rights, which, by federal law, can protect you from being denied coverage. If you already have a policy, you also have rights to protect you from having to keep a plan that... Read more
Customer reviews of Mike
Michael was very knowledgeable and courteous. My wife and I actually enjoyed the experience and that is very rare these days when dealing with customer service representatives. Thank you for the time spent with us.
Anonymous, Murphy, TX
experienced, knowledge of available policies and was a great listener, answered every question, he spoke English, I wouldn't hesitate to contact Michael O. if I had any questions or issues
Anonymous, Newport, TN
He was very. Professional, a great listener, knowledgeable and above all a wonderful representative of your service to seniors like myself and my husband.
Anonymous, Indianapolis, IN
Michael was extremely helpful, patient and kind. He has an excellent phone manner.
Leighrey T, Spring Hill, FL
Mike was great very helpful!
Robert R, Minneapolis, MN
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