Tony Esponde
ESPONDE INSURANCE SERVICES, INC.
With more than 25 years of dedicated experience serving Medicare clients, Tony combines deep expertise with a personal touch to provide clear, comprehensive guidance. Whether you are new to Medicare or reviewing your current coverage, he works with most major carriers in your area to help you find the plan that best fits your needs.
What sets Tony apart is his hands-on approach and commitment to personal service. He takes the time to meet with clients, answer every question, and ensure you feel confident in making informed healthcare decisions.
In addition to annual reviews and personalized assistance with Prescription Drug Plans, a service his clients consistently value, Tony’s agency also offers a full range of insurance solutions. These include Small Group Insurance, Dental, and Vision coverage, as well as Federal Marketplace options for individuals under 65.
Medicare Advantage Plans:
Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private insurance companies approved by Medicare. These "bundled" plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare drug coverage (Part D).
Important distinction between Medicare Supplement and Medicare Advantage plans:
With a Medicare Advantage plan, the insurance company manages your care. Pre-authorizations are often required, and second opinions may be limited. Additionally, once you enroll in a Medicare Advantage Plan, you may need to meet medical underwriting requirements in order to return to a Medicare Supplement plan in the future.
Call Esponde Insurance Services today at (530) 345-8872 for a free Medicare consultation.