Nick Pursell - Insurance Agent - Valley Center Insurance Agency

Nick Pursell - Insurance Agent - Valley Center Insurance Agency Helping folks turning 65 understand Medicare. Avoid costly coverage mistakes & confusion.

Licensed Advisor | Education 1st
https://www.vciainc.com/abcs-of-medicare-worksheet
Valley Center Insurance Agency Inc CA Lic 0E48178, Agent CA Lic 4329654

05/02/2026

If you go back to work after enrolling in Medicare Part B, you may be able to drop it if your employer has 20+ employees and you’re covered under their plan.

Then when you retire again, you can re-enroll in Part B without a penalty—as long as that employer coverage was considered creditable.



Valley Center Insurance Agency Inc CA Lic 0E48178, Agent CA Lic 4329654

05/01/2026

Up close and personal, lol!

Shout out to all my pizza loving beer drinking, Dad bod dudes out there! 🤣🤣🤣

Have a great weekend!

05/01/2026

You can start Social Security anytime between 62 and 70—but when you choose to take it can have a big impact on your monthly benefit.

If you take it early, your payment is reduced. If you wait, your benefit can grow—up to about 8% per year after full retirement age.



Valley Center Insurance Agency Inc CA Lic 0E48178, Agent CA Lic 4329654

05/01/2026

Before enrolling in dental insurance on Medicare, ask yourself—do you want to keep your current dentist?

Not all dentists accept all plans, so checking first can save you a lot of frustration.



Valley Center Insurance Agency Inc CA Lic 0E48178, Agent CA Lic 4329654

05/01/2026

If you’re on a Medicare Advantage HMO and have an emergency out of state, you’re still covered and will typically pay your in-network ER copay—not the full bill.

Just remember, follow-up care may need to be back in your home network.



Valley Center Insurance Agency Inc CA Lic 0E48178, Agent CA Lic 4329654

05/01/2026

When you are enrolling in a standalone part D prescription drug plan, medicare.gov has a wonderful tool to help you do so.

Just go to medicare.gov and on the top menu click on “health and drug plans” then click on “ find health and drug plans”.

Enter in your ZIP Code, then click on Medicare part D then click on yes to see and compare costs.

Then enter in your medication‘s and the dosage and when you’re done, click done adding drugs at the bottom of the page.

When you get to the next screen, it will show you all of the drug plan options starting with the least expensive. You’ll see the star rating, the premium and the total estimated cost for your medications in that calendar year so this year is 2026 obviously.

You can click on the blue button below the plan description to view the plan details. It will show you how all of your medications are covered if some of them aren’t covered, what your monthly share of cost will be for the rest of the year and if you have multiple pharmacies, it will show you which one may have cheaper costs. It’s a great tool.

Once you’ve reviewed a couple different plans then you have selected the one that you like you click on the green button that says enroll rand you follow the prompts to enroll. you will need your Medicare beneficiary ID (MBI) number or your red white and blue Medicare card.

if you aren’t collecting Social Security, you can select them to send you a bill which they will bill you quarterly and if you are collecting Social Security, you can have them deduct it directly from your Social Security benefit payment.



Valley Center Insurance Agency Inc CA Lic 0E48178, Agent CA Lic 4329654

05/01/2026

The max out-of-pocket on a Medicare Advantage plan is the most you’d pay for covered medical services in a year—but most people never actually hit it.

It’s a safety net, not the main reason to choose a plan.



Valley Center Insurance Agency Inc CA Lic 0E48178, Agent CA Lic 4329654

04/30/2026

If you’re turning 65 and worried about losing your doctor, here’s the good news—there’s a strong chance they already accept Medicare.

If you go with a Medicare Supplement plan, you can see any doctor nationwide that accepts Medicare.

With Medicare Advantage, many doctors do participate—but not all plans include every doctor, so it’s important to check.

That’s why I always recommend confirming which plans your doctor accepts before you enroll.



Valley Center Insurance Agency Inc CA Lic 0E48178, Agent CA Lic 4329654

04/30/2026

Our goal is to provide outstanding service to our clients. We want to be so much more than just their Medicare sales agent. We want to be their friend. We wanna be their guide. We wanna be available to them throughout the year not just on their birthday or during open enrollment. Readily available when they need us.

Wanted to take you behind the scenes to give you a quick little view into what we do on a daily basis here which is to reach out to everyone who has a birthday, wish them a happy birthday and then take a look and see if they’re getting the best rate on their Medicare Supplement plan.



Valley Center Insurance Agency Inc CA Lic 0E48178, Agent CA Lic 4329654

04/30/2026

Staying overnight in the hospital doesn’t always mean you’re admitted—your inpatient vs. outpatient status can impact both your costs and your coverage.

Always ask, because it matters more than most people realize.



Valley Center Insurance Agency Inc CA Lic 0E48178, Agent CA Lic 4329654

04/30/2026

If you receive care through the Indian Health Service (IHS) and have Medicare, you can usually continue getting your prescriptions at no cost through IHS facilities.

In some cases, enrolling in a Medicare Part D or Medicare Advantage plan can actually help support your local IHS clinic—while still keeping your coverage in place.



Valley Center Insurance Agency Inc CA Lic 0E48178, Agent CA Lic 4329654

Medicare can get confusing—but you don’t have to figure it out on your own.There are some great, trusted resources out t...
04/30/2026

Medicare can get confusing—but you don’t have to figure it out on your own.

There are some great, trusted resources out there that can help you compare plans, understand your benefits, and get answers when you need them.

In this post, I’m sharing 9 resources I recommend that offer things like free counseling, plan comparisons, financial assistance info, and local support.

Save this so you always know where to go when you need reliable Medicare help 👍



Valley Center Insurance Agency Inc CA Lic 0E48178, Agent CA Lic 4329654

Address

27252 Valley Center Road , Ste B
Valley Center, CA
92082

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4:30pm
Saturday 8:30am - 12:30pm

Telephone

+17607490622

Website

https://www.youtube.com/@NickPursell-MedicareSpecialist/, https://ww

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