Nick Pursell - Medicare Specialist - Valley Center Insurance Agency

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

Licensed Advisor | Education 1st
Free Medicare Checklist ↓
www.vciainc.com/medicare-insurance
Valley Center Insurance Agency Inc CA Lic 0E48178, Agent CA Lic 4329654

03/21/2026

Turning 65 or already on Medicare?

Life insurance can still play an important role — helping cover final expenses, pay off debts, or leave a meaningful inheritance to your children or grandkids.

A properly structured policy isn’t about needing more insurance, it’s about protecting your legacy and giving your family financial certainty.



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

03/21/2026

You may still qualify for $0 Medicare Part A even if you never worked — as long as your spouse earned 40 work credits (about 10 years of work).

Medicare eligibility isn’t just based on your work history; spousal benefits can make you eligible at age 65.



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

03/21/2026

Most people think Medicare Advantage plans only cover doctor visits and hospital stays—but many plans include extra benefits like dental, vision, hearing, OTC allowances, fitness programs, and even transportation to appointments.

The key is knowing what benefits your specific plan offers, because they can vary depending on where you live and the plan you choose.

which benefit is your favorite?



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

03/20/2026

Hospital indemnity insurance can be worth considering if you have a high-deductible plan, ongoing health conditions, are planning a surgery, or want help covering gaps in a Medicare Advantage plan.

It pays a fixed cash benefit directly to you when you’re hospitalized, which can help with deductibles, copays, or even everyday living expenses.



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

03/20/2026

Sometimes Medicare Advantage plans leave certain markets because rising healthcare costs and regulatory changes make them less profitable for insurers to offer.

If a plan exits your area, you don’t lose Medicare—you’ll just choose a new Medicare Advantage plan or return to Original Medicare during the next enrollment period.



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

03/20/2026

PACE (Program of All-Inclusive Care for the Elderly) is a program available in some states that helps older adults who need nursing-home level care continue living safely in their community.

It combines Medicare and Medicaid services and provides coordinated care through a team of healthcare professionals who manage everything from doctor visits to medications.

Eligibility and availability vary by state.



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

03/20/2026

If your Medicare Part B and Part D premiums went up because of income from two years ago, you may be able to appeal the IRMAA surcharge if it was caused by a life-changing event like retirement, divorce, or the death of a spouse.

You can submit Form SSA-44 to Social Security to request a review and potentially lower your premiums.



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

David Spade and his opening acts were hilarious! 🤣Thanks for taking me Marc Nimetz Farmers Insurance Agency! 🙌I’ve know ...
03/20/2026

David Spade and his opening acts were hilarious! 🤣

Thanks for taking me Marc Nimetz Farmers Insurance Agency! 🙌

I’ve know Marc since way back in junior year at Poway High. He was one of my firsts friends when we moved to Poway. He’s a great dude, works hard, loves his family and friends and cares for his clients. Even though we’re “competitors” now, he’s still my agent and has been so for the last 15 years.

Grateful for our friendship buddy!

03/19/2026

You can only join, switch, or drop Medicare Advantage and Part D drug plans during specific enrollment periods, like your Initial Enrollment Period, the Annual Enrollment Period (Oct 15–Dec 7), or certain Special Enrollment Periods.

Understanding these timelines is key to making changes to your Medicare coverage.



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

03/19/2026

Medicare Advantage PPO plans offer more flexibility, allowing you to see doctors both in and out of the plan’s network—though you’ll usually pay less if you stay in-network.

Most PPO plans also include prescription drug coverage and typically don’t require referrals to see specialists.



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

03/19/2026

In case you were wondering 🤷, here’s a little bit about me, my background, what I do, how I can help and what my focus is on.



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

Part 2 of our Medicare Part B - Covered Preventive Services.Some of the items and services that Original Medicare doesn’...
03/19/2026

Part 2 of our Medicare Part B - Covered Preventive Services.

Some of the items and services that Original Medicare doesn’t cover include:
❌Long Term Care
❌Eye exams (for Rx eyeglasses)
❌Cosmetic surgery
❌Massage therapy
❌Routine physical exams
❌Most dental care



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://www.instagram.com/nickmedica

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