Whether you're just starting with Medicare or you've been on it for years, my assistance is no cost to you, but my knowledge and experience are priceless. As a truly independent insurance agent, I represent multiple insurance companies so that I can be a one stop solution for all of your Medicare needs.
* If you're just beginning your research on how to get started with Medicare, call me at 918-872-0495. Everyone's situation is different and a quick conversation can set you in the right direction on how and when to enroll in Medicare Part A, Part B, Part C?, Part D, and/ or a Medicare Supplement plan.
Medicare works with private insurance companies to offer you ways to get your healthcare coverage. These companies can choose to offer Chronic Special Needs Medicare Advantage Plans also known as C-SNPs. A doctor verified condition like Diabetes, Chronic Heart Failure, or a Cardiovascular Disorder is usually a qualifier for such a plan. A special enrollment period is offered for these types of plans too.
Medicare works with private insurance companies to offer you ways to get your healthcare coverage. These companies can choose to offer Dual Eligible Special Needs Plans. If you have Medicare Part A and Part B and Full or Partial Medicaid, you may qualify for one of these plans.
Medicare Advantage Plans are another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private insurance companies that must follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D). In many cases, you’ll need to use health care providers who participate in the plan’s network and service area for the lowest costs. These plans set a limit on what you’ll have to pay out-of-pocket each year for covered services, to help protect you from unexpected costs. Some plans offer out-of-network coverage, but sometimes at a higher cost. Remember, you must use the card from your Medicare Advantage Plan to get your Medicare-covered services. Keep your red, white, and blue Medicare card in a safe place because you’ll need it if you ever switch back to Original Medicare. Below are the most common types of Medicare Advantage Plans.
Health Maintenance Organization (HMO) Plans
Preferred Provider Organization (PPO) Plans
Private Fee-for-Service (PFFS) Plans
Special Needs Plans (SNPs)
Other less common types of Medicare Advantage Plans that may be available include HMO Point of Service (HMOPOS) Plan and Medicare Medical Savings Account (MSA) Plan.
Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is offered by private insurance companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. There is no "Max Out of Pocket" with original Medicare. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:
Copayments
Coinsurance
Deductibles
Medicare drug coverage helps pay for prescription drugs you need. Even if you don’t take prescription drugs now, you should consider getting Medicare drug coverage. Medicare drug coverage is optional and is offered to everyone with Medicare. If you decide not to get it when you’re first eligible, and you don’t have other creditable prescription drug coverage (like drug coverage from an employer or union) or get Extra Help, you’ll pay a "late enrollment penalty" if you join a plan later. You’ll pay this penalty for as long as you have Medicare drug coverage.
If you're leaving an employer group plan, then you're probably used to having extra benefits like dental, vision, short-term disability, long-term care, life insurance, etc. These are all extra benefits not covered by original medicare. Some may be covered by a Medicare Advantage part C plan, but a quick review of what you have and what you would like to keep will help me find the right plans that will fit your needs.
Lets Connect
You can stop by my office or use the contact info below for any questions and inquiries
I find out what your needs are and then from my pool of multiple carriers, I find the right plan that meets your needs & budget. Benefits: It doesn't increase your premiums to have me as your an agent, it avoids the pitfalls mentioned above, and it saves time shopping individual insurance companies.
As an Independent Broker /Agent, my goal is to offer every Medicare plan option available. Medicare requires this disclaimer verbatim even though I do offer every plan available in Tulsa County except for I-SNPs which are MA plans for individuals in an institution. Medicare Disclaimer: "We do not offer every plan available in your area. We represent a number of MA organizations, which offer products in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov 1-800-medicare or your local State Health Insurance Program to get information on all of your options. " Obviously, Medicare is requiring this due to some brokers on a local and national scale not offering all plans in all areas.
I'm licensed in Oklahoma, Texas, Louisiana, Arkansas, Missouri, Kansas, Nebraska, Colorado, Utah, Idaho, Ohio, and Virginia.
