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Medicare Advisory

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Licensed Medicare Advisor

As a licensed insurance professional specializing in helping you understand Medicare, I am more than just an insurance agency – I am your neighbor……. My goal is to make sure you have a lifelong advocate who is making sure that you have the right coverage for you year after year. The right coverage that reduces your financial risks due to medical and health expenses.

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My Services Are Provided At No Cost To The Customer

Turning 65 Soon?

Wondering if Medicare is your only option? Concerned about the Late Enrollment Penalty? Want to know how to apply or what happens to your group coverage?

Already on Medicare?

Do you feel like you’re missing out on your Medicare plan’s benefits? Do you have questions that need easy to understand answers? I am here for you.


Frequently Asked Question
There are a number of factors that go into determining what coverage is right for you. It is important to review one’s current health condition including prescriptions and family history. For instance if one is currently on a number of medications, a good Prescription Drug plan, whether a part of a Medicare Advantage plan or a Stand Along Drug plan should be considered carefully.
It depends on one’s eligibility. Medicare Part A is premium -free to most, but not all. Part B has a base price each year, but that can be higher for those who made a certain income during the past 2 years. And after that, it depends if you chose a Medicare Advantage Plan or a Medicare Supplement Plan with a separate Prescription Drug Plan. Medicare Advantage Plans are sometimes call “pay as you go” because there be $0 to low premiums, but copays and coinsurance for the services you use. Where as a Medicare Supplement Plan is sometimes call a “pre-pay plan” because there is a premium and depending on the plan picked, almost all services are covered with the exception of maybe a deductible.
You may be able to delay enrolling or you may not be able to delay enrolling in Medicare depending on your current insurance policy. It is always good to confirm the status of that first with your benefits advisor. Once that is determined, you may be able to just enroll in premium-free Part A until you retire.
Original Medicare Parts A & B do not typically cover dental or vision. Some Medicare Advantage Plans will offer dental and vision coverage.
Your Medicare coverage choices will stay in place year after year unless you change your plan. This ensures that your coverage continues, but even if a plan renews, the plan benefits and costs may still change each year. It’s a good idea to review your Medicare choices every year during the Medicare Annual Enrollment Period each fall, which runs Oct. 15 – Dec. 7.

Medicare and Medicaid are both government health care programs, but they are very different. Medicare is generally for people who are 65 or older, or who have a qualified disability. Medicaid is a state-governed program for people with limited income and resources. Some people are eligible for both Medicare and Medicaid. These people are considered “dual eligible” and are often qualified for special Medicare plans.

If you lost, damaged, or need to replace your Medicare card, you can now get a replacement Medicare card using your personal my Social Security account. This is the newest feature to my Social Security as we continue to improve its functionality and convenience for you.

Your Medicare card is the most important piece of identification you have as a Medicare beneficiary — it’s proof that you have Medicare health insurance. Medical professionals and insurance companies need this proof to provide you with accurate care and compensation. If your card is lost or damaged, and you are currently entitled to Medicare, you can easily order a replacement using your personal my Social Security account.

Simply access your personal my Social Security account and select the “Replacement Documents” tab. Then select “Mail my replacement Medicare card.”

After you request a card, it will arrive in the mail in about 30 days.

More than 18 million people use my Social Security because it’s the easiest way to access their own personal Social Security information they need to plan for retirement.

Questions? Get free personalized advice