LM Financial and Insurance Services of Rancho Cordova, CA is a privately owned insurance agency specializing in Medicare Advantage Plan, Medicare Part D, Medicare Supplement Plans, and Life Insurance. We can help you find the best rates and coverage for all your Senior Health Insurance needs. Carrying the right amount of coverage is essential to protecting your family and your belongings.
Use any of our convenient forms located at the left for policy service directly from your home or office. As an independent insurance agent we can offer the right coverage with the personal touch you would expect from your neighborhood insurance agent. We have relationships with dozens of insurance companies, including AARP United Healthcare, Blue Shield, Humana, Aetna, Health Net etc. allowing you to get the right price with the right service.
Use any of our convenient forms located at the left for policy service directly from your home or office. As an independent insurance agent we can offer the right coverage with the personal touch you would expect from your neighborhood insurance agent. We have relationships with dozens of insurance companies, including AARP United Healthcare, Blue Shield, Humana, Aetna, Health Net etc. allowing you to get the right price with the right service.
Services
LM Financial & Insurance Services is a privately owned FMO that has been in business for over 45 years. Located in California's capitol city of Sacramento, we specialize in Medicare Supplement (Medi-gap), Medicare Advantage, and Medicare Part D (prescription drug plan). We represent many of the major insurance companies nationwide providing agents with only the best products and carriers.
People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant). If you are not sure you have Part A, look on your red, white, and blue Medicare card. It will show "Hospital Part A" on the lower left corner of the card.
You can also call the Social Security Administration toll free at 1-800-772-1213 or call your local Social Security office for more information about buying Part A. If you get benefits from the Railroad Retirement Board, call your local RRB office or 1-800-808-0772.Most people pay monthly for Part B.
You can also call the Social Security Administration toll free at 1-800-772-1213 or call your local Social Security office for more information about buying Part A. If you get benefits from the Railroad Retirement Board, call your local RRB office or 1-800-808-0772.Most people pay monthly for Part B.
LM Financial and Insurance Services of Rancho Cordova, CA is a privately owned insurance agency specializing in Medicare Advantage, Medicare Part D, Medicare Supplement plans, annuities and final expense life insurance. We can help you find the best rates and coverage for all your senior health insurance needs.
During this time, you can make fewer changes to your plan than you can during open enrollment. Special Enrollment Periods: Depending on special circumstances, you might qualify for a special enrollment period for your Advantage plan. Certain Medicare Advantage plans are not available in all areas, and if you qualify for Medicare because you have ESRD (End-stage Renal Disease), then you might not qualify for Medicare Advantage.
To receive optimized coverage and the lowest costs, you should use a pharmacy within your plan's network. Insurers will use different formulas to set the costs of each prescription in their formulary. Most plans must give patients a choice of drugs. You can ask your doctor to appeal for coverage if your plan does not already cover a drug you need.
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