Quan Ngo

Medicare Advocate Agent

Areas Served

Specializes In

About Me

I worked at the Social Security Administration for 16 years, handling retirement, disability claims, and enrollment on Medicare Part A/B for clients.  I enjoyed helping clients, especially retirees, understand the basics of the complicated concept that is Medicare. I also believe in the importance of fully guiding them through the process in order to help them get the full enjoyment out of their retirement years.  Since becoming an insurance agent, I have enjoyed helping clients in many ways.
 
I was born in Vietnam, but have been a Utah resident for 43 years. I am fluent in Vietnamese as well as English.  I am married, and have two young adult children. They both attend the University of Utah and my son is majoring in mechanical engineering while my daughter is currently undecided.  
 
Family is my number one priority – and I treated my clients like they are my own family.

confidence. Give me a call today to get started!

Languages Spoken:English

Info

Hours

More than health insurance plans: A Health Partner For Life

Medicare Advantage Plans

Depending on the plan, you may enjoy coverage for Medicare Part A and Part B, prescription drug and routine dental, vision and hearing care—all in one easy to manage under the Medicare Advantage plan.

Prescription Drug Plans

Medicare Advocates offers Mutliple stand-alone prescription drug plans designed to help you manage the cost of prescription drugs.

Medicare Supplement Plans

These plans (sometimes called “Medigap” insurance) may help pay some of the healthcare costs that Medicare Parts A and B don’t, like coinsurance, copayments or deductibles.

Frequently asked questions about Medicare plans

Medicare Advantage plans are offered by private insurance companies—like Medicare Advocates—contracted by the federal government. Medicare Advantage, also referred to as Medicare Part C, covers the same healthcare services as Original Medicare, with the exception of hospice care. Many Medicare Advantage plans also include prescription drug coverage.
In addition, many Medicare Advantage plans include coverage for vision, dental and hearing care. Health and wellness benefits like fitness programs may be offered, as well.

With Medicare Advantage plans, instead of paying your healthcare bills directly, the federal government pays private insurance companies—like Humana—to administer your coverage.
While there is a monthly premium for Medicare Advantage plans, many private insurance companies choose to offer affordable or $0 plan premiums to compete for your business. They also set the guidelines for your deductible, coinsurance and copays. This information is readily available on private insurers’ websites, or you can make an appointment with a licensed Medicare Advocate sales agent to learn the details for Carrier plans.
As with Original Medicare members, Medicare Advantage members must continue to pay their Part B premium.

Medicare Supplement insurance, often called Medigap coverage, helps pay some of the healthcare costs that Original Medicare doesn’t cover. That may include:

  • Copayments
  • Coinsurance
  • Deductibles
  • Medical care when you travel outside the U.S., opens new window

You’ll pay a monthly premium for a Supplement plan in addition to your Part B premiums. A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

With Medicare Advantage plans, instead of paying your healthcare bills directly, the federal government pays private insurance companies—to administer your coverage.
While there is a monthly premium for Medicare Advantage plans, many private insurance companies choose to offer affordable or $0 plan premiums to compete for your business. They also set the guidelines for your deductible, coinsurance and copays. This information is readily available on private insurers’ websites, or you can make an appointment with a licensed Medicare Advocate sales agent to learn more
As with Original Medicare members, Medicare Advantage members must continue to pay their Part B premium.

With Original Medicare, a primary care doctor is not required. You can visit any doctor who accepts Medicare.
With a Medicare Advantage plan, your choice of doctor depends on whether you select a health maintenance organization (HMO) or preferred provider organization (PPO) plan.
With an HMO plan, you can choose your primary care physician from any doctor in the plan’s network. If you opt for a PPO plan, generally, choosing a primary care physician is optional. With both types of plans, you’ll usually save money by visiting a network provider.
It’s important to note that Medicare Advantage plans must offer emergency coverage outside of the plan’s service area, anywhere in the U.S.

Find a Medicare Advocate Agent

To serve our customers across the country, Medicare Advocate has dozens of local Agents

Overview

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.