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:
The 4 Parts of Medicare:
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 2024 enrollees is $174.70.
Part C = Medicare Advantage
Part D = Prescription Drug
Once enrolled in Medicare A & B you have 2 options for coverage:
Option 1: Medicare Supplement / Medigap plan, along with a stand alone Part D prescription drug plan.
Medicare Supplement / Medigap plans can cover Medicare's Part A & B deductibles, copays, and coinsurance. (Plan F & C are available only to those whose Medicare is effective prior to 1/1/2020.)
- Most plans cover Part A's hospital deductible, and daily copays.
- All cover Part B's 20% coinsurance.
- No networks.
- Part D drug coverage not included.
A stand alone Part D Prescription Drug plan helps with the cost of generic and brand medications.
Enrolling into Part D is optional, however, if don't enroll when you're first eligible, and decide to enroll at a later date, you'll likely be subject to a late enrollment penalty.
Option 2: Part C / Medicare Advantage plans.
- Medicare Advantage plans provide as much coverage as Medicare Parts A & B, and assign a copay or coinsurance to all medical services/procedures, which vary from plan to plan.
- Part C plans have networks.
- Extra benefits, such as gym membership, dental, vision, etc.
If collecting Social Security, you'll receive your Medicare Card within 3 months of turning 65, or the 25th month of collecting Social Security disability. If not collecting, you can call Social Security at 1-800-772-1213 to enroll, or online at SSA.GOV.
You can delay enrolling into Part B of Medicare without penalty if you have employer coverage due to active employment, either yours or your spouse's, and the employer has more than 20 employees.
If working, and already enrolled in Medicare you'll have a 63 day Special Enrollment Period to enroll in a Medicare health plan.
Some of the companies I represent:
- AARP
- ACE
- Aetna
- Capital Blue Cross
- Cigna
- Central States Indemnity
- Delta Dental
- Geisinger
- Highmark
- Highmark Wholecare
- Humana
- Medico
- New Era / Philadelphia American
- SilverScript
- United HealthCare
- UPMC
- WellCare
- Western United Life
I DO NOT OFFER EVERY PLAN AVAILABLE IN YOUR AREA NOR DO I WORK FOR MEDICARE OR THE FEDERAL GOVERNMENT. I AM AN INDEPENDENT SALE'S AGENT SPECIALIZING IN MEDICARE INSURANCE PLANS AND AM COMPENSATED FOR ANY SALE THAT OCCURS. I CURRENTLY REPRESENT 12 ORGANIZATIONS WITH 107 PLANS IN THE BERKS COUNTY AREA. PLEASE CONTACT MEDICARE.GOV, OR YOUR LOCAL STATE HEALTH INSURANCE PROGRAM 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.