Work with me
When I turned 65, I was overwhelmed by the amount of information I received about Medicare. I needed a better understanding of my options. Once I was enrolled, I realized that I wanted to educate other seniors so they could avoid costly enrollment mistakes, and this has become my life’s purpose. I know it can be overwhelming and confusing trying to decide what coverages and options are best for you, and I’m here to help.
As seniors, it’s important to do what we can to maintain our health as we age. This includes maintaining a healthy diet, exercising regularly, reducing stress, following a preventive care and screening schedule, and more. I love helping my clients navigate all of their Medicare choices, Medicare Advantage, Medicare supplements, hospital indemnity, and life insurance needs. But, I also love providing tips and information to help us ALL stay healthy as we age.
I’m Here to Help You However I Can
One size does NOT fit all when it comes to your coverage options. In an underfunded system, everyone is on their own to navigate through their Medicare enrollment as best as they can.
When you work with me, you will learn about all of your choices for your health insurance and life insurance. I am here to answer any questions you have, and I will walk you through the ENTIRE enrollment or renewal process.
I also enjoy hosting educational and interactive virtual and in-person events throughout the year. room. I also promote healthy living and aging through lessons on the mind, body, and spirit. You can follow me on Facebook and Instagram, or subscribe to my email list!
Medicare Advantage Plans
Medicare Advantage plans, also known as Medicare Part C, are a popular alternative to Original Medicare (Part A and Part B) for individuals who are eligible for Medicare. These plans are offered by private insurance companies approved by Medicare and provide all the benefits of Original Medicare, plus additional benefits such as prescription drug coverage, vision, dental, and hearing care, wellness programs, and more. In fact, many Medicare Advantage plans also offer benefits that Original Medicare does not cover, such as fitness programs, transportation, and over-the-counter allowances.
One of the main benefits of these plans is their cost-effectiveness. Most Medicare Advantage plans have lower premiums than Original Medicare, and some plans even have $0 premiums. Additionally, many of these plans have annual out-of-pocket limits, which means that once you reach the limit, the plan will cover 100% of your medical costs for the rest of the year. Medicare Advantage plans also often have lower co-payments and coinsurance amounts than Original Medicare, which can save you money on your healthcare expenses. Overall, Medicare Advantage plans provide a comprehensive and cost-effective option for Medicare beneficiaries who want additional benefits beyond what Original Medicare provides.
Medicare supplements, also known as Medigap plans, are private insurance policies that are designed to fill in the gaps in coverage left by traditional Medicare. While Medicare covers a wide range of healthcare services, it does not cover everything, and beneficiaries are often responsible for paying deductibles, copayments, and coinsurance. Medigap plans can help alleviate these out-of-pocket costs by covering some or all of the expenses that Medicare does not pay for.
There are ten standardized Medigap plans, labeled A through N, each of which offers a different set of benefits. Some plans cover only a few out-of-pocket costs, while others provide more comprehensive coverage. Beneficiaries can enroll in a Medigap plan during their initial enrollment period, which begins when they first become eligible for Medicare, or during open enrollment periods.
While Medigap plans can provide valuable coverage for those on Medicare, it’s important to note that they do not cover prescription drugs, so beneficiaries may need to enroll in a separate Part D plan.
Hospital Indemnity Plans
Hospital indemnity plans are insurance policies that provide a fixed amount of cash to policyholders who are hospitalized due to an illness or injury.
These plans are designed to help individuals cover the out-of-pocket expenses that may not be covered by their health insurance or Medicare, such as deductibles, copays, and coinsurance. Unlike traditional health insurance plans, hospital indemnity plans do not cover specific medical services or treatments. Instead, they pay a predetermined cash benefit directly to the policyholder.
The amount of the benefit typically depends on the length of the hospital stay, with higher benefits paid for longer stays. Hospital indemnity plans can be purchased as standalone policies or as riders to existing health insurance policies.
While these plans can provide some financial protection in the event of a hospitalization, it’s important to review the policy details carefully to ensure that it meets your specific needs and budget.
Life insurance is a type of insurance policy that pays out a sum of money to the designated beneficiaries upon the death of the insured person. It is designed to provide financial protection for the loved ones of the insured, in the event of their unexpected death.
Life insurance policies can be either term or whole. Term life insurance provides coverage for a specific period, usually between one and 30 years, and pays out a death benefit if the insured dies during that period. Whole life insurance, on the other hand, provides coverage for the insured’s entire life and can include a savings component that can grow over time.
Life insurance policies can vary widely in terms of the coverage amount, premium, and policy terms, so it’s important to carefully evaluate your options and select the policy that best fits your needs and budget.
I am proud to be your trusted local Medicare advisor. As a resident and business owner of Richmond, Virginia for over 50 years, I love our beautiful city and helping all those who live here with me.
How can I help you?