Greetings, and Happy 65th Birthday to those turning 65. This website was designed as an information source
to help you be better informed about Medicare and answer many of the questions you may have. There is an
overwhelming amount of information to absorb.
Notice for Seniors: Veterans and those on Medicaid can add Medicare Coverage at no cost.
Those looking for Compay
GOOD NEWS! With the recent changes due to the Coronavirus (Covid-19) many are concerned about
their current health coverage's as well as future health costs.
Covid-19 - Coronavirus Update:
Several major insurance carriers as well as the federal government have waived deductibles and
costs related to the impending virus. What the the future hold?
This website was designed and is constantly being updated to help answer questions to inform those interested in
learning about Medicare and the coverages and deductibles or Medicare and related Insurance options and
coverage’s available. We will do our best to help you understand, save money and stay healthy.
Many misunderstand Medicare and feel at age 65 the government should be responsible for all their years of hard
work that they have put in. Do not be discouraged, there are many deductibles and financial responsibilities left to
those on Original Medicare Parts A + B (click here).
Based on your physical condition and ability to pay for additional coverage we will do our best to enlighten you to help
you from falling victim to unnecessary expenses or limited coverages. If you have specific questions regarding any of the
different Medicare coverage’s feel free to call (866/374-0002) and speak with a knowledgeable professional at no cost or
obligation.
As a Diabetic for over 55 years and a young senior with 40+ years of Insurance experience I understand health
insurance and will do my best to assist. Every person is different; many are confused and need personal guidance.
Veterans and those financially less fortunate may be unaware of Veterans benefits, Dual eligible and Medicaid
programs that are available at no cost. You can go to a Doctor near where you reside and may be eligible for free
transportation as well.
In today's world massive advertising campaigns from sports heros and actors as well as telephone solicitations many
purchase coverage from people they may never meet or speak with again. Health and Medical costs have continually
increased over the years.
Today a 10ml bottle of insulin can cost over $350, in 1964 a 10ml bottle was only $0.96. As we get older and live on a
limited or fixed income, health insurance coverage is more important than ever.
If you are healthy and can afford annual deductibles some plans have a zero monthly cost and may work for you. Many
include free health memberships and in some cases cash back. If you have a pre-existing condition or are prone to other
medical conditions we have solutions to help cover a majority of all expenses.
To better assist you in choosing the best Medicare coverage plan for your needs information is needed. Not all Medicare
coverage’s are the same for everyone, please review the information provided within this website and decide what kind
of coverage you desire or require.
As a multi-Licensed Insurance Professional I am able to assist you in the state you reside in.
If you have any questions please call or Contact us.
Pre-Existing Medical conditions are our specialty!
Medicare Supplements - Medigap
Original Medicare coverage’s part A & B are limited and have substantial deductibles. Are you aware that a 65 year old
can get a full coverage Medicare Supplement insurance plan with minimal deductibles for as little as $32/mo (female)
and $37/mo for a male.As a multi-licensed insurance Broker for over 40+ years with pre-existing conditions, I
understand how important medical and prescription coverage’s are. Originally licensed to sell insurance in 1976, I have
assisted and advised those in need get coverage's they need. With all the government regulations, limits and deductibles
understanding Medicare and your options can be very confusing. Choose a representative that will be there if you need
assistance or questions answered.
Medicare Advantage Plans
Advantage plans can cost as little as nothing (0) with multiple coverage’s and benefits. If you are healthy this may the
plan for you.Benefits, Addons and even Gym Memberships vary from plan to plan. Some plans require HMO or a Primary
Care Physician. PPO plans in most cases require an Doctor or Hospital to be in network.
Dually Eligible Plans A special Medicare Advantage plan that can fill the needs of both Veterans and Medicaid
recipients.Both Veterans and those on Medicaid are allowed to keep their benefits like prescriptions and medical
payments.They are granted the ability to access in network doctors in their area and transportation to their
appointments. The cost is zero ($0.00).
Pre-Existing Conditions?
Generally Medicare plans are available "Guaranteed Issue" to those who qualify 90 days prior to your 65th birthday your
birth month and 90 days after your 65th birthday.of your 65th birthday.
Due to Governmental regulations and many different opportunities available we are unable to
advise until we are aware of your needs and get your permission.