Licensed agent/broker specializing in Medicare Health Plans
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., are included.
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
- Aetna-MA/PDP
- Allwell-Centene
- Capital Blue Cross
- Cigna HealthSpring
- Delta Dental
- Devoted Health
- Geisinger Health Plan
- Highmark Inc.
- Highmark Wholecare
- Humana
- Jefferson Health
- Medico
- Mutual of Omaha Medicare Supplement
- SilverScript
- United HealthCare
- UPMC
- WellCare
You can call, or email me with any questions or to set up a telephonic appointment to discuss your options. You can also reach me by completing the below form.
Your insurance needs are specific to you. There are many things to consider before enrolling in any Medicare health plan. So whether it's a Medicare Supplement plan and a prescription drug plan you want, or a Medicare Advantage plan you'd like, let me shop the market for you. I'll then present the plan option(s) that makes sense, and is/are best suited for you.
About me:
I received my Pennsylvania Insurance license in April 2006 and began my career door knocking selling fire, and life insurance as well as collecting premiums from clients on my book of business. During this time I worked with companies such as United Insurance Company, Monumental Life Insurance, (now TransAmerica), and American General Life Insurance. In 2013 I was introduced to Chester Perfetto who offered me a job at his agency where he taught me all there was to know about Medicare, so much so, that in 2015 I felt confident enough to venture out on my own, and have never looked back. Since then I have helped thousands of people understand how to maneuver their way through the confusing Medicare maze and enroll them into the Medicare plan(s) of their choice.