Desk: 610-777-2149 Cell: 610-468-1778
Licensed Insurance agent/broker specializing in Medicare Health insurance
Explore Medicare Advantage, and Prescription drug plans available in your area:
Medicare has FOUR PARTS:
https://www.youtube.com/user/medicaremadeclear
Part A = Hospital Coverage (Inpatient) Is typically premium free because of taxes you paid during your, (or spouse's,) working years.
Part B = Medical Coverage (Outpatient) Is not premium free. The standard monthly premium for 2023 enrollees is $164.90.
(Medicare Parts A & B are referred to as ORIGINAL MEDICARE)
Part C = Medicare Advantage (offered by private insurance companies approved by Medicare)
Part D = Prescription Drug (offered by private insurance companies approved by Medicare)
Once enrolled in Medicare A & B you can choose from one of the two coverage options:
Option 1: Medicare Supplement / Medigap plan, and a Part D prescription drug plan.
Depending on the Supplement plan chosen, they will cover some, or all, of Medicare's Part A & B deductibles, copays, and coinsurance.
- There are 12 Plans to choose from, each having a different level of coverage. Supplement Plans are identified by letters: A, B, C*, D, F*, G, K, L, M & N.
- Each Plan's benefits are identical regardless of the company that offers them, however, the costs will vary greatly from company to company.
- There are no networks with this type of coverage.
- Enrolling in a Part D Prescription Drug plan will be necessary because Medicare Supplement/Medigap plans do not cover prescription drugs.
*Plans C & F are available only to thoses whose Medicare Part A became effective prior to January 1, 2020. Plans F & G also offer high-deductible plans in some states.
NOT ALL CARRIERS OFFER EVERY PLAN.
Option 2: Part C / Medicare Advantage plans.
- Medicare Advantage plans are "bundled" in that they combine Part A, Part B and Part D prescription drug coverage all in one plan, plus extra benefits not covered under Original Medicare.
- Part C plans have networks.
- There are 76 Medicare Advantage plans available in Berks County this year / 2023.
- Part C premiums range from $0 to $295.00.
- Copays for each medicare covered service will vary from plan to plan.
- Many plans include extra benefits not covered by Original Medicare such as; preventative & comprehensive dental, vision allowance toward glasses and/or frames, hearing aid allowance, free transportation to medical appointments, a monthly stipend to use for over the counter items, and free standard gym memberships.
Part D Prescription Drug coverage:
- Part D plans help with the cost of generic and brand medications.
- There are 26 Drug plans available in Berks County for this year / 2023.
- Part D premiums range from $5.20 to $192.60
- Enrolling into Part D is optional, however, if don't enroll when you're first eligible, and go longer than 63 days without creditable drug coverage, you'll likely pay a Late Enrollment Penalty if you decide to enroll at a later date.
Make sure your prescriptions are on your decided Part D or Part C plan's formulary before enrolling!
Make sure your doctors and specialist are in the Part C plan's provider network.
FYI:
If you are not on an employer plan and are not collecting Social Security, call Social Security within 3 months of turning 65 to schedule an appointment. You can also enroll online at SSA.GOV
Reading's SS office phone number: 1-866-274-5960
If you are collecting Social Security you will automatically receive your Medicare card within 3 months of turning 65. If receiving Social Security Disability payments, you'll automatically receive your Medicare card after the 24th monthly payment.
You can delay enrolling into Part B of Medicare without penalty if:
1. You have employer coverage due to active employment, either yours or your spouse's.
2. The employer where you have the coverage has more than 20 employees.
If you're already enrolled in Medicare you'll have a Special Enrollment Period when you're ready to retire. You'll have 63 days after your employer coverage ends or employment ends, whichever is later, to enroll in a Medicare Advantage Plan, Prescription Drug Plan or a Medicare Supplement Plan.
Some of the companies I represent:
- AARP: Medicare Supplement Plans
- ACE Medicare Supplement
- Aetna: Medicare Supplement / Medicare Advantage / DSNP (Dual Special Needs Plan)
- Ameritas Dental / Spirit Dental
- Capital Blue Cross: Medicare Advantage / Medicare Supplement
- Cigna: Medicare Supplement
- Central States Indemnity: Medicare Supplement
- Delta Dental
- Geisinger: Medicare Advantage
- Highmark: Medicare Advantage / Medicare Supplement
- Highmark Wholecare: DSNP (Dual Special Needs Plan)
- Humana: Medicare Advantage / Medicare Supplement / Prescription Drug
- Medico Insurance Company
- New Era / Philadelphia American: Medicare Supplement
- SilverScript
- United HealthCare: Medicare Advantage / DSNP / Prescription Drug
- UPMC: Medicare Advantage
- Wellcare: Medicare Advantage / Prescription Drug
- Western United Life: Medicare Supplement
I DO NOT OFFER EVERY PLAN AVAILABLE IN YOUR AREA. ANY INFORMATION I PROVIDE IS LIMITED TO THOSE PLANS I DO OFFER IN YOUR AREA. PLEASE CONTACT MEDICARE.GOV OR 1-800-MEDICARE TO GET INFORMATION ON ALL OF YOUR OPTIONS.
About me:
About me:
About me:
I received my Pennsylvania Insurance license in April 2006 and began my career as a "debit dog," as those in the industry call it, selling Fire Insurance, and Life insurance, and Annuities. During this time I worked with companies such as United Insurance Company, Monumental Life Insurance, (now TransAmerica), and American General Life I
I received my Pennsylvania Insurance license in April 2006 and began my career as a "debit dog," as those in the industry call it, selling Fire Insurance, and Life insurance, and Annuities. During this time I worked with companies such as United Insurance Company, Monumental Life Insurance, (now TransAmerica), and American General Life Insurance. I went in a completely different direction in 2013 when I had the privelege of working with Mr. Chester Perfetto who taught me everything there is to know about Medicare. I decided in 2015 to venture out on my own, and have been a self employed agent/broker ever since. During this time I have helped hundreds, if not thousands, of people maneuver through the Medicare maze and enroll them into the medicare plan(s) of their choice.