Medicare Agent Lindenhurst NY
Our Experienced & Well Trained Agents Are Ready to Help Answer All Your’e Medicare Questions.
Medicare is our nation’s senior health insurance coverage. Run by CMS the Centers for Medicare & Medicaid Services. President Lyndon Johnson signed a bill back in 1965 to get this program started. With that original Medicare Part A (hospital coverage) & Part B (medical insurance) were born. This program was originally for people turning 65 or older, but it evolved to also include covering the disabled and people with certain illnesses such as ESRD and Lou Gerhigs disease.
Who Benefits From Medicare in Lindenhurst, NY
In general, Medicare was developed for people turning 65 or older, retiring and needing health insurance. Throughout the years, Medicare has evolved and also includes people with disabilities and certain diseases such as ALS or ESRD.
Need Help With Medicare?
Medicare Lindenhurst, NY
Medicare is broken down into parts. Original Medicare consists of hospital coverage, also known as Part A and medical coverage, also known as Part B. Medicare also has Part D which is the opt-in version of Medicare’s prescription drug coverage. Medicare Part C also known as Medicare Advantage plan, which basically combines all parts of Medicare together like a traditional insurance plan. Medicare has very specific enrollment periods and penalizes people who miss these enrollment deadlines, so it is important to understand when you need to apply. Medicare Parts A & B both have deductibles to be met before coverage begins, and Part B has coinsurance as well. Medicare Part B coverage is typically up to 80% leaving you with 20% of the bill. Our Medicare agents will help you have a full understanding of Medicare, what it covers, and what you should be prepared for once you enroll.
Understanding Medicare Plans in Lindenhurst, NY
Many people try and go straight to the Medicare and you guide or some online website to choose a plan before first understanding what options you have and exactly how they work. We firmly believe in educating consumers before discussing plan options; It is truly hard to make a good decision without having all the facts. Medicare is not a one-size-fits-all insurance and there is a reason there are so many options. We are all different, and have different medical needs and life styles and of course budgets. We will help you get to know all the key differences between Medicare Advantage Plans and Medicare Supplemental Plans. Once you decide which type of plan fits you, we can assist you in comparing plan options and rates.
Medicare Advantage Agent in Lindenhurst, NY
Get all your healthcare needs covered without breaking the bank with Medicare Advantage plans. Here’s why they’re the perfect choice for you:
- Comprehensive Coverage: Enjoy convenient coverage for hospital visits, medical expenses, and prescription drugs all in one plan by combining Medicare Parts A, B, and sometimes D.
- Extra Perks: Say goodbye to patchwork coverage! Benefit from additional perks like dental, vision, hearing, fitness programs, and wellness services to make your coverage more comprehensive than ever.
- Predictable Costs: Rest easy with an annual out-of-pocket maximum that ensures financial predictability and peace of mind.
- Choice and Savings: Save big on quality care with provider networks in Medicare Advantage plans, offering significant savings while still giving you the freedom to choose any Medicare-accepting provider.
- Specialized Care: Receive dedicated care coordination and case management for complex health needs with a specialized team guiding you through your healthcare journey.
- Affordable Options: Keep your wallet happy with low or zero monthly premiums on many Medicare Advantage plans for affordable comprehensive coverage.
- Integrated Prescription Coverage: Streamline your plan with included prescription drug coverage to save time and stress.
Medicare Supplement Agent in Lindenhurst, NY
Discover the benefits of Medigap, a private health insurance plan that supplements Original Medicare. Here’s what you need to know:
- Works with Medicare:
Medigap fills the gaps in Medicare coverage and requires enrollment in both Medicare Part A and Part B.
- Standardized Plans:
Choose from ten standardized plans, offering the same benefits regardless of the insurance provider.
- Covered Costs:
From coinsurance to deductibles, Medigap helps cover out-of-pocket expenses like hospital costs and skilled nursing facility care.
- Plan Options:
Select the right plan for you based on your needs and budget, keeping in mind that some options are no longer available to new beneficiaries.
- Premiums:
Expect monthly premiums varying by plan type, insurance company, age, and location.
- State Coverage:
While plans vary by state, having a Medigap policy generally provides coverage across state lines.
- Guaranteed Issue Rights:
Certain situations grant guaranteed issue rights for obtaining a Medigap plan without health history evaluation.
- Open Enrollment Period:
Purchase during your open enrollment period to avoid coverage denials or higher premiums due to pre-existing conditions.
- Prescription Drug Coverage:
Note that Medigap plans do not include prescription drug coverage; consider enrolling in a Medicare Part D plan for this benefit.
- Choosing Between Plans:
Understand the differences between Medigap and Medicare Advantage to find the best fit for your healthcare needs and preferences.
Maximize your Medicare coverage with a Medigap plan tailored to your situation – compare plans, assess costs, and review terms before deciding.
Medicare Part D Agent in Lindenhurst, NY
Currently there are 19 stand alone drug plans to choose from, and if you take more than just a couple of generic prescriptions, you will want to make sure you do your homework to make sure the plan you pick fits your needs. Our agents can help you compare each plan to make sure all of your drugs are covered with the most affordable copays and premiums. Medicare Part D plans change their plans quite frequently, and the more you use your plan, the more important it is to check it annually to make sure it’s still the right plan for you. Our staff does free consultations when they first meet with you and annually during the Annual Election period to help make sure you are always on the right Part D plan.
Benefits of Working With A Medicare Agent in Lindenhurst, NY
Navigating the complexities of Medicare can be daunting for many consumers. With a myriad of options and constant changes, it’s critical to find an advisor who not only understands the intricacies of Medicare but also has the consumer’s best interests at heart. That’s where Paul Barrett and the Modern Medicare Agency come in. Here are the top three reasons why partnering with Paul Barrett should be your go-to move for Medicare solutions.
Laser-Focused Expertise in Medicare
Paul Barrett & the Modern Medicare Agency stand apart with their singular focus on Medicare insurance. Unlike many agents who split their attention across different insurance types, Paul & his team dedicate their full expertise to the Medicare realm. Since 2007, they’ve assisted tens of thousands of clients, amassing a wealth of specialized knowledge to benefit you directly.
Currently there are 19 stand alone drug plans to choose from, and if you take more than just a couple of generic prescriptions, you will want to make sure you do your homework to make sure the plan you pick fits your needs. Our agents can help you compare each plan to make sure all of your drugs are covered with the most affordable copays and premiums. Medicare Part D plans change their plans quite frequently, and the more you use your plan, the more important it is to check it annually to make sure it’s still the right plan for you. Our staff does free consultations when they first meet with you and annually during the Annual Election period to help make sure you are always on the right Part D plan.
Client Endorsement:
- “Paul was by far the most knowledgeable, available, experienced, and helpful person I interacted with during my time navigating the labyrinth that is Medicare on behalf of my mom.” – Jon Michelson
2. Independent Agents Dedicated to Your Needs
Independence is key when it comes to unbiased and comprehensive advice. Being independent agents means Paul and his team offer all the major insurance carriers without being tethered to any. Importantly, there are no quotas or goals to meet, which allows them to remain entirely consumer needs-focused. This advocacy ensures that your needs come first, not the sales targets.
Client Testimonial:
- “Since he offers all the plans available in my area, he is not tied to only one provider; this is to your advantage especially around renewal time.” – Gary Werman
Currently there are 19 stand alone drug plans to choose from, and if you take more than just a couple of generic prescriptions, you will want to make sure you do your homework to make sure the plan you pick fits your needs. Our agents can help you compare each plan to make sure all of your drugs are covered with the most affordable copays and premiums. Medicare Part D plans change their plans quite frequently, and the more you use your plan, the more important it is to check it annually to make sure it’s still the right plan for you. Our staff does free consultations when they first meet with you and annually during the Annual Election period to help make sure you are always on the right Part D plan.
3. Commitment to Consumer Education and Personalized Assistance
Understanding Medicare is just as important as enrolling in the right plan. Paul Barrett & his team believe in a strong educational approach, regularly hosting seminars and monthly webinars to help consumers understand their options before making a plan choice. They offer flexible meeting options, from in-office consultations to home visits, Zoom calls, or phone discussions, ensuring accessibility and convenience.
Consumer Praise:
- “Paul made the Medicare sign-up process easy. He explained everything clearly and was patient in answering my questions… Grateful to have had his assistance! Highly recommend.” – Susan Taylor
Choosing Paul Barrett & the Modern Medicare Agency brings clarity to your Medicare decisions, backed by a deep commitment to personalized service. Remember, their success is defined by how well they cater to your unique Medicare needs — and with Paul and his team, you’re in knowledgeable and caring hands.
For more information on how Paul Barrett & the Modern Medicare Agency can assist you with your Medicare needs, contact them directly for a no-cost consultation. Experience the difference that true dedication and expertise can make in your life.
