October 2021 Main Event

Join us in October for two presentations from Marcelo Espiritu, Director, Health Insurance Counseling & Advocacy Program (HICAP) from Sourcewise. Marcelo Espiritu is director of the Health Insurance Counseling & Advocacy Program (HICAP) by Sourcewise. HICAP is a state-sponsored, volunteer-supported program that provides counseling to people with Medicare about their benefits, rights and options, and other health insurance-related questions. He received state certification for Medicare HICAP counseling in 2010. Since then he has been an advocate for the elderly and individuals with disabilities who struggle with the complexity of Medicare and the myriad of options and decisions they face. As the HICAP director, Espiritu supervises various HICAP counseling sites countywide. He is also responsible for recruiting and supervising HICAP volunteers, overseeing their counseling, outreach and community education activities.
SESSION 1: Medicare Explained
Health Insurance Counseling & Advocacy Program’s (HICAP) Medicare Explained workshop presentation is a comprehensive overview of all things Medicare. Medicare can be confusing and complicated. There is Part A & B of Original Medicare, and supplemental Medigap insurance plans. There is Part D, the prescription drug insurance plan with the infamous “Donut hole” now called the “Coverage gap”. There is Part C of Medicare, called Medicare Advantage, which typically combines Parts A, B and D into one plan. There is the enrollment process, as well as a myriad of rights and rules. HICAP can help current and prospective beneficiaries as well as concerned relatives and caregivers unravel the nuances of Medicare insurance choices. Learn which option may be best for you, Original Medicare or Medicare Advantage. HICAP Counselors do not sell, endorse, or affiliated with any insurance companies. Our goal is to inform and educate the community so you can make an informed decision on something as important as Medicare. Please join our California certified HICAP Counselors for an objective and unbiased Medicare presentation. Attend this meeting to learn:
  • What Medicare is, its benefits, and costs
  • About required and optional parts of Medicare insurance, including prescription drug and supplemental insurance coverage
  • What your options are and when you can make changes to your Medicare elections
SESSION 2: (Part1) Long-term Care & (Part2) Medicare.gov’s Part D Plan Finder Demo
  • (Part1):
  • Health Insurance Counseling & Advocacy Program’s (HICAP) Long-term Care (LTC) workshop presentation is a high-level overview of LTC insurance.
  • LTC insurance is an insurance product, sold in the United States that helps pay for the costs associated with long-term care. LTC insurance covers care generally not covered by health insurance or Medicare. Unlike traditional health insurance, LTC insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.
  • Join us if you’re considering LTC insurance to learn more.
  • (Part2):
  • Health Insurance Counseling & Advocacy Program’s (HICAP) Medicare.gov’s Part D Plan Finder Demo presentation will guide you on entering in your prescription medications, dosages, select preferred pharmacies and compare all stand-alone Part D plans available to you. HICAP's Plan Finder Demo will give you the confidence you need when choosing a plan that best meets your healthcare needs and financial situation.
  • Every year, Medicare Part D drug plans make changes to their coverage, costs, including the deductible, premium, and copayments / coinsurance. Medicare beneficiaries with Part D drug plans can change every year.
  • Join us to learn how to save money and compare all Part D drug plans available to you.
  • Attend this meeting to learn:
  • About Long-term Care, Medicare and Long-term Care insurance
  • How to save money on your Part D drug plan
  • When you can change your Part D drug plan

How to Attend:

Our Main Events are webcast. Please see below to register on EventBrite, and then join remotely online via Zoom. You must pre-register on EventBrite: To attend by web:
  • Zoom meeting instructions will be emailed to all registered participants.
Please join our AAII Silicon Valley Meetup group to be notified of all upcoming events!