There are many insurance options available when it comes to Medicare and the decision process can be confusing and overwhelming.
- When do you need to sign up? What happens if you want to keep working?
- What happens if you miss the enrollment period?
- How do you know which prescription drug plan is better?
- Should purchase Medicare Advantage or a Medicare Supplement
- When you can make changes if you make the wrong selection?
- What happens if you have a chronic illness or move to another area?
We help by educating and offering unbiased information in a way that you can understand.
Our goal is to meet with you in a way that feels most comfortable. You can learn from one of our free webinars (educational sessions), we can meet one on one via zoom, over the phone and depending on the situation during COVID, in person.
Attend an Educational Session
Join us for one of our educational events. Most of them are held via zoom. They are free, low key and offered to answer questions that you have.
Schedule a meeting
If you would prefer to meet with us privately, we make it easy to avoid the back and forth scheduling by providing our calendar here.
When scheduling your meeting, you can choose virtual, telephone or in person (limited during COVID).
Click here to access our calendar and schedule a time that is convenient for you.
If you need a time that isn’t on our calendar, send us an email or give us a call and we’ll work with your schedule.
Feeling Overwhelmed About Medicare?
At Lynn Michel, we take the time to explain the options and answer all of your question.
When we meet for the first time, we start where you are. If you are new to Medicare, we explain how to sign up. If you are unhappy with your current plan, we explore your options.
Generally, we have 2-3 meetings, allowing you enough time to process the information and do any additional research you feel necessary.
Once you have made a decision, we help you enroll in a plan that you feel is best for you.
Have you ever heard the concept ‘an educated consumer is our best customer’? That’s a motto we live by.
Join us for one of our free educational events or schedule time to meet with us individually and let us help you navigate the Medicare maze!
There is no charge to meet with us.
MEDICARE INSURANCE OPTIONS
Medicare is health insurance. Plain and simple. When you are eligible for Medicare, it’s just a matter of understanding what your choices are and how they work.
Below is an overview of some of your options with Medicare. Your best option is an individual decision. It’s important to consider your lifestyle, health, budget and long term goals when making your decision.
Medicare Advantage (Part C) is an insurance option available in instead of choosing Original Medicare (Part A and B). Coverage is offered through private insurance companies and offers all of the services available in Original Medicare and may offers additional items such as vision, hearing and wellness programs.
Medicare supplements, also known as Medigap, are offered by private insurance companies. These policies generally cover excess amounts not covered by Original Medicare (Parts A & B).
There is a monthly premium for Medicare Supplements in addition to your Part B premium. A supplemental policy is not subject to any specific enrollment period like a Medicare Advantage or Prescription Drug plan.
Medicare supplements are regulated by CMS and each state. They are commonly known as alphabet soup because there are several different options available.
Prescription Drug Coverage ( Part D) is offered by private insurance companies that are contracted with the federal government.
When you are eligible for Medicare part B you are also eligible for Prescription Drug coverage (part D).
Avoid penalties with Medicare
Even if you aren’t taking any medications, you should consider a prescription drug plan. This helps to avoid any penalties when you might need to purchase coverage.
Prescription drug plans change yearly so it is important to review your plan each year during the Annual Enrollment Period which is currently October 15 – December 7.
Dental and Vision coverage is essential for most seniors. It is not uncommon for eyesight to weaken and teeth and gums to need additional attention.
Insurance companies offer dental and vision coverage as a separate policy for those on Original Medicare. Some Medicare Advantage plans include a limited amount of coverage or offer it at an additional premium
As we age, we often feel our need for life insurance changes and far too often, seniors cancel or non renew any type of insurance they might have had when they were younger.
Final expense insurance is a great option to provide money to your family to cover your final expense amounts from your casket to the church and burial plot. Most carriers have the final expense checks in the hand of the beneficiary within a few days allowing money to cover the funeral expenses.
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