Services
What I do
I help clients find a Medicare plan that meets their needs! I’m here to educate and advise what to look for based on their needs.
I am Contracted With
Aetna, Aetna Senior Supplemental, Delta Dental, GeoBlue Travel, Guarantee Trust Life, Healthspring, Humana, Kaiser Permanente, Medico, Premera, Regence, United Healthcare, Wellcare.
Medicare Advantage
Medicare Advantage Plans are a type of Medicare health plan offered by a private company that contracts with Medicare to provide all your Part A and Part B benefits. Most Medicare Advantage Plans also offer prescription drug coverage. If you’re enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan. Your Medicare services aren’t paid for by Original Medicare.
A Medicare Supplement (Medigap) Plan
A Medicare Supplement (Medigap) plan is private health insurance that helps pay for some of the healthcare costs not covered by Original Medicare (Parts A and B), such as copayments, co-insurance and deductibles. These plans are sold by private insurance companies and work alongside Original Medicare to fill in the “gaps” in coverage. There are several standardized Supplement plans, each offering different levels of coverage, but they are all regulated by the federal government to ensure consistency.”
Cancer, Heart Attack, Stroke Plans
Original Medicare and Medicare Advantage Plans pay part of cancer treatments. Other cancer insurance plans are built to pay a lump-sum benefit to help pay coinsurance and co-payments often accompanying cancer treatments. Plans may also be available in your state to cover advanced screening. Qualification includes pre-existing condition look-backs. Contact us for details of these plans and availability in your state.
Part D - Prescription Drug Plans
A prescription drug plan, also known as Medicare Part D, is a standalone insurance plan offered by private insurance companies approved by Medicare. It helps cover the cost of prescription medications based on a formulary. Formularies are a list of covered drugs and beneficiaries can pay deductibles, copayments or coinsurance for their medications. The specifics of coverage, including which drugs are covered and at what costs can vary between plans
Dental, Vision, Hearing
Original Medicare does not cover normal dental, vision or hearing costs. Some Medicare Advantage Plans may offer some coverage to these costs. Insurance and discount plans are available through private insurance companies to help cover these costs. These companies determine what the plans will cover, if there will be a deductible or co-pay, and how much the premiums will be. Some plans may exclude some pre-existing conditions.
Hospital Plans
Depending on the state you live in and the insurance carrier some insurance plans may be available to help cover out-of-pocket expenses for hospital care and fill all or some of the gap in most Medicare Advantage Plans. Many hospital plans are indemnity type plans, meaning they pay the insured directly, regardless of other insurance coverage. Health questions may be included to determine eligibility.
Frequently Asked Questions
What is Medicare?
Medicare is a federal health insurance program that provides coverage for qualified individuals in the United States who are 65 years or older and those under 65 with certain disabilities.
How Do I Enroll in Medicare?
You can enroll in Medicare during the Initial Enrollment Period (IEP), which is a seven-month period that begins three months before your 65th birthday. You can sign up online at www.ssa.gov or you can call (800)772-1213.
If I am disabled, when can I get Medicare?
You automatically get Part A and Part B after you get one of these:
- Disability benefits from Social Security for 24 months
- Certain disability benefits from the RRB for 24 months
You don’t need to sign up if you automatically get Part A and Part B. You’ll get your red, white, and blue Medicare card in the mail 3 months before your 25th month of disability.
When you decide how to get your Medicare coverage, you might choose:
- A
There are specific times when you can sign up for these plans, or make changes to coverage you already have.
What is Original Medicare?
Original Medicare includes Part A (hospital insurance) which includes hospitals, skilled nursing facilities and hospice. It also includes Part B (medical insurance) which is services from doctors and other health care providers, outpatient care, home health care, durable medical equipment and some preventative services. It does not include prescription drugs, vision, hearing or dental.
What is Medicare Advantage?
Medicare Advantage (also known as Part C) is an alternative to Original Medicare (Parts A and B) offered by private insurance companies. These plans often include additional benefits such as prescription drug coverage, dental and vision.
Can I Change My Medicare Coverage?
Yes, you can change your coverage during the Annual Enrollment Period (AEP) which runs October 15 to December 7 every year. There are other special enrollment periods that may apply during the year.
What is Hospital Indemnity Insurance?
Hospital indemnity insurance is a type of insurance that pays a fixed daily benefit for each day you are hospitalized. It can be used toward expenses not covered by your primary health insurance such as deductibles, co-pays and non-medical expenses.
How does Cancer Insurance work?
It typically pays a lump sum upon diagnosis of cancer. The lump sum can be used toward out of pocket treatment costs, transportation expenses or daily living expenses. The policy may also include an extra benefit that provides genome testing to gather your particular cancer’s “fingerprint” that can be used by your health care providers to determine the best course of treatment for you.
What is Heart Attack and Stroke Insurance?
Cancer and stroke insurance can be purchased together or separately to provide financial assistance in the event of a heart attack or a stroke. It helps cover the costs of medical treatment, rehabilitation and other related expenses.
Have another question?
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Call Us
425.645.5556
Calling the number above will direct you to a licensed insurance agent.
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Licensed in
Washington
Get in Touch
By providing the information above, I grant permission for a licensed insurance agent to contact me regarding my Medicare options including Medicare Supplement, Medicare Advantage, and Prescription Drug plans. A sales agent may mail, call, text or e-mail as a result of completing the information to discuss Medicare Advantage, Prescription Drug Plans, or Medicare Supplement Insurance.