Medicare Advantage Plans

Carriers Represented (Medicare Advantage Plans)

I am licensed to represent and assist you with Medicare Advantage (Part C) and Prescription Drug (Part D) plans from the following insurance companies:

• Aetna Medicare – Comprehensive regional networks offering HMO and PPO plans with bundled prescription drug coverage.

• UnitedHealthcare – Nationwide provider networks with robust ancillary dental, vision, and hearing benefits. (Note: UnitedHealthcare Medicare Supplement plan options are featured on a separate section of this website).

• Humana – Highly recognized, broad consumer network footprint offering diverse HMO and PPO plans emphasizing dedicated wellness guidance and competitive supplemental rewards.

• Cigna Healthcare / HealthSpring – Coordinated care networks designed to manage and optimize your personalized healthcare goals.

• SCAN Health Plan – Highly rated, not-for-profit Medicare Advantage plans focused on helping older adults stay independent.

• Imperial Health Plan of California – Dedicated clinical networks managing coordinated outcomes throughout California.

• Optimum HealthCare – Specialized HMO and chronic care infrastructure built extensively for regional beneficiary needs.

• Freedom Health – Value-driven HMO and PPO plans boasting strong supplemental allowances and wellness benefits.

• Devoted Health – All-in-one healthcare plans emphasizing dedicated clinical guidance and competitive personal allowances.

• Wellcare Plans of Florida – Specialized prescription drug alignments and diverse network options under the Centene portfolio.

• Wellpoint – Consumer-centric regional plans prioritizing accessible preventive care and deep local network partnerships.

• Simply Healthcare – Regionally tailored plans offering specialized managed care benefits built around local provider choices.

• Molina Healthcare – Focused managed care solutions specializing in high-utility, coordinated government-sponsored health benefits.

Required Compliance & Underwriting Disclosures

• Agent Credentials: Serviced by licensed agent John Riker (NPN: 615671). For inquiries or policy service, please contact Info@fullfinancialagency.com.

• State & Area Availability Notice: All insurance plans, product features, and carrier representations are strictly subject to the carrier being approved and the specific plan being approved for sale in the state of purchase. Benefits, premiums, copayments, and network availability vary by geographic area, state, and zip code.

• Aetna: Aetna Medicare is a HMO, PPO plan with a Medicare contract. Enrollment in Aetna Medicare depends on contract renewal.

• UnitedHealthcare: Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan's contract renewal with Medicare.

• Humana: Humana is a Coordinated Care HMO and PPO organization with a Medicare contract. Enrollment in any Humana plan depends on contract renewal.

• Cigna Healthcare / HealthSpring: Cigna Healthcare is a Medicare Advantage organization with a Medicare contract. Enrollment in Cigna Healthcare depends on contract renewal.

• SCAN Health Plan: SCAN Health Plan is an HMO plan with a Medicare contract. Enrollment in SCAN Health Plan depends on contract renewal.

• Imperial Health Plan: Imperial Health Plan of California, Inc. is an HMO plan with a Medicare contract. Enrollment in Imperial Health Plan depends on contract renewal.

• Optimum & Freedom Health: Optimum HealthCare, Inc. and Freedom Health, Inc. are HMO and PPO organizations with a Medicare contract. Enrollment depends on contract renewal.

• Devoted Health: Devoted Health is an HMO and PPO plan with a Medicare contract. Enrollment in Devoted Health depends on contract renewal.

• Wellcare: Wellcare plans are insured through WellCare Health Plans, Inc., a subsidiary of Centene Corporation, under a Medicare Advantage contract. Enrollment depends on contract renewal.

• Wellpoint & Simply Healthcare: Wellpoint and Simply Healthcare health plans are Medicare Advantage organizations with Medicare contracts. Enrollment in these health plans depends on contract renewal.

• Molina Healthcare: Molina Healthcare is a Health Plan with a Medicare contract. Enrollment in Molina Healthcare depends on contract renewal.

• Solicitation Notice: This is a solicitation of insurance, and a licensed agent/producer may contact you.

Why Your Invitation and Call Recording Matter: Understanding Federal Protection Rules

The federal regulations governing Medicare are intentionally structured to protect you from being aggressively pursued or pestered by sales agents. Under these strict guidelines, licensed professionals are required to remain completely passive. We are legally forbidden from reaching out to you, cold-calling your residence, or soliciting your private healthcare details without your specific consent.

Furthermore, when we do connect via telephone, federal law mandates that independent brokers must securely record and time-stamp all marketing, educational, and enrollment consultations. This is a strict regulatory requirement designed to ensure complete transparency, protect your consumer rights, and verify your explicit verbal consent.

To bridge this gap and allow us to legally answer your specific coverage questions, the system utilizes these essential consumer protection tools:

• The Permission to Contact (PTC) Notice: Your signed authorization that securely permits us to call your phone line or send requested educational updates to your home.

• The Scope of Appointment (SOA) Form: A compliance baseline document where you select the exact product categories (such as Medicare Advantage, Prescription Drug Plans, or Standalone Long-Term Care) you wish to review.

• Consent-Verified Call Recording: A secure, time-stamped audio log of our consultation where your verbal agreement is documented in strict accordance with federal guidelines.

By filling out these documents, scanning our compliance QR codes, or authorizing a recorded consultation, you are not entering a high-pressure sales funnel. You are simply unlocking the gates so an experienced independent broker can legally sit down with you face-to-face or over the phone, review your unique prescription costs and doctor networks, and help you find the absolute highest structural guarantees for your household.

There is no "one-size-fits-all" when it comes to medical insurance coverage. Proper insurance coverage ensures you gain access to quality care while avoiding costly out-of-pocket gaps and lifetime penalties for lacking prescription coverage.

Your individual needs, geographic location, preferred doctors, specialists, prescriptions, and choice of hospitals all help a licensed specialist find the plans that closely match your life. No single plan is "number one" or the absolute best. No insurance covers everything—and neither will Medicare. If you have worked hard to accumulate assets, uncovered medical expenses from short-term illnesses or long-term care events can devastate your family's financial safety.

Essential Considerations for Financial Safety & Support:

• Medicaid Coordination: The ability to secure food and safe housing are critical considerations. Have you applied for or do you currently receive Medicaid coverage, and in what state?

• Long-Term Care Triggers: Have you been diagnosed by a medical professional with a chronic illness, dementia, or Alzheimer’s? Furthermore, do you face substantive challenges with at least two of the core Activities of Daily Living (ADLs), such as eating, bathing, dressing, toileting, transferring yourself, or managing chronic incontinence?

⚠️ Mandatory Prerequisite for Medicare Advantage:

You must be enrolled in both Medicare Part A (Hospital Insurance) and Part B (Medical Insurance)—and you must continue to stay enrolled in both. You must also permanently reside within the specific county or geographic service area covered by your chosen plan.

Understanding the 8 Instrumental Activities of Daily Living (IADLs)

When we conduct a strategic review of your or your loved one's coverage, we look beyond basic medical care. True foundational safety means assessing how well a senior can maintain independence. We evaluate support options for the eight key instruments of daily independence:

• Managing Finances – Balancing a budget and keeping up with bills.

• Managing Medications – Correctly taking and renewing prescriptions.

• Transportation – Driving or utilizing public/private transit safely.

• Shopping – Navigating stores for groceries and everyday essentials.

• Meal Preparation – Cooking and planning nutritious daily meals.

• Housework – Maintaining a clean, safe, and organized living space.

• Communication – Effectively using phones or keeping in touch with family.

• Managing Technology – Handling modern devices and digital tasks.

A strategic review with a licensed professional can help you navigate these complex healthcare realities and find options perfectly tailored to your exact needs.