Senior Insurance Services LLC
Licensed Independent Medicare Consultant
medicarelafayettela.com
MedicareHealthIns.net
Ron Desormeaux
Senior Insurance Services LLC
Licensed Independent Medicare
Consultant
Have you heard of Benefits Check Up and why it is important?
Our cost-of-living goes up each year, but many older Americans income do not. About half of our adult age 65+ who are living alone, and one out of four older couples, cannot afford to pay for basic needs such as prescriptions, energy bills, property taxes and more. I might be able to help in finding you important benefits if you qualify.
Contact me for your complimentary benefits check-up!
Extra Help: Medicare Savings Programs
Medicare Beneficiaries with limited Income and resources may be eligible for assistance from state and federal programs to pay for all or part of their monthly Medicare premiums, annual deductibles, and coinsurance.
Each state offers Medicare Savings Programs to Medicare recipients whose Income and resources fall below a certain level. These programs may help with Part A and Part B premiums which may mean extra money in your social Security check.
Contact me for your complimentary extra help check up!
SPECIAL NEEDS PLANS and How They Work
(these plans normally have lower copayments and more extra benefits)
You can join a Medicare SNP if you meet these requirements:
- You have Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance).
- You live in the plan's service area.
- You meet the plan's eligibility requirements, like one of these below:
1. Chronic Condition SNP (C-SNP): You have one or more of these severe or disabling chronic conditions: Chronic alcohol and other dependence, Autoimmune disorders, Cancer (excluding pre-cancer conditions), Cardiovascular disorders, Chronic heart failure, Dementia, Diabetes mellitus, End-stage liver disease, End-Stage Renal Disease (ESRD) requiring dialysis (any mode of dialysis), Severe hematologic disorders, HIV/AIDS, Chronic lung disorders, Chronic and disabling mental health conditions, Neurologic disorders, Stroke.
2. Institutional SNP (I-SNP): You live in an institution (like a nursing home), or you require nursing care at home.
3. Dual Eligible SNP (D-SNP): You have both Medicare and Medicaid
(Each Medicare SNP limits its membership to people in one of these groups, or a subset of one of these groups.)
Click here to go back to the homepage.
If you meet any of these requirements contact Ron for a special needs plan!
Have you heard of Benefits Check Up and why it is important?
Our cost-of-living goes up each year, but many older Americans income do not. About half of our adult age 65+ who are living alone, and one out of four older couples, cannot afford to pay for basic needs such as prescriptions, energy bills, property taxes and more.
I might be able to help in finding you important benefits if you qualify.
Contact me for your complimentary
benefits check-up!
Extra Help: Medicare Savings Programs
Medicare Beneficiaries with limited Income and resources may be eligible for assistance from state and federal programs to pay for all or part of their monthly Medicare premiums, annual deductibles, and coinsurance.
Each state offers Medicare Savings Programs to Medicare recipients whose Income and resources fall below a certain level. These programs may help with Part A and Part B premiums which may mean extra money in your social Security check.
Contact me for your complimentary extra
help check up!
SPECIAL NEEDS PLANS
and How They Work
(these plans normally have lower copayments and more extra benefits)
You can join a Medicare
SNP if you meet these requirements:
- You have Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance).
- You live in the plan's service area.
- You meet the plan's eligibility requirements, like one of these below:
1. Chronic Condition SNP (C-SNP): You have one or more of these severe or disabling chronic conditions: Chronic alcohol and other dependence, Autoimmune disorders, Cancer (excluding pre-cancer conditions), Cardiovascular disorders, Chronic heart failure, Dementia, Diabetes mellitus, End-stage liver disease, End-Stage Renal Disease (ESRD) requiring dialysis (any mode of dialysis), Severe hematologic disorders, HIV/AIDS, Chronic lung disorders, Chronic and disabling mental health conditions, Neurologic disorders, Stroke.
2. Institutional SNP (I-SNP): You live in an institution (like a nursing home), or you require nursing care at home.
3. Dual Eligible SNP (D-SNP): You have both Medicare and Medicaid
(Each Medicare SNP limits its membership to people in one of these groups, or a subset of one of these groups.)
Click here to go back to the homepage.
If you meet any of these requirements contact Ron for a special needs plan!
What type of Medicare
Plan should I get?
Most people will look at two types of Medicare plans to help pay what Medicare alone does not cover.
- A Medigap Supplement Health Plan with a separate Prescription Drug plan. You pay a monthly premium for each policy and premiums will go up each year. It does not include extra benefits. There is No Network. Most plans do have an outpatient medical deductible and there are no copayments;
- An Advantage Health Plan where most companies include Prescription Drug Plan combined into one policy. You pay a low premium or a $0 monthly premium. The premium typically will not go up. Advantage Plan does include extra benefits such as Dental, Vision, Hearing, Meals after hospital stay, Over the counter products shipped to your home, Gym membership, Teledoc, and More. There is a Network however, in some plans you are allowed to go out of network at a higher copay. Most of these plans there is no medical deductible. There are copays.
“REVIEW HERE” —MICHEAL W.
“Ron is a wealth of information on Medicare. He answered all my questions. He went over the choices available and let me make the decision I was comfortable with, no pressure. I felt completely comfortable with him.” —John W.
Medicare
Not affiliated with any federal agency. Insurance related solicitation. By calling my phone number you will be speaking with a licensed insurance agent. I comply with applicable general civil laws and do not discriminate on the basis of race, color, national origin, age, disability, or sex.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.Gov or call 1-800-MEDICARE to get information on all of your options.
MedicareHealthIns.net
Senior Insurance Services LLC
Licensed Independent Medicare
Consultant
Not affiliated with any federal agency. Insurance related solicitation. By calling my phone number you will be speaking with a licensed insurance Agent. I comply with applicable general civil laws and do not discriminate on the basis of race, color, national origin, age, disability, or sex.