Welcome to the website of Senior Health Insurance Brokers, LLC. The most important thing you should know about our company is that we are focused on you and your unique situation when it comes to Medicare. We are an independent broker. We represent all the major insurance companies. We do not charge you for our services; we are paid by the insurance companies.
All of us come to Medicare in our own special way with our own special needs. It is important that you understand how Medicare works. It is also important that you understand how to navigate through the maze of information that bombards you when you approach Medicare eligibility.
All of us come to Medicare in our own special way with our own special needs. It is important that you understand how Medicare works. It is also important that you understand how to navigate through the maze of information that bombards you when you approach Medicare eligibility.
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David Tedrow is the founder of Senior Health Insurance Brokers, LLC. After a varied career in Higher Education, Biomedical Engineering Sales and Fine Jewelry, David retired in 2012. During his retirement, he became eligible for Medicare. Therefore he knows Medicare from both sides. While retired he volunteered for several years as a Medicare counselor at the Durham SHIIP office in Senior Pharmacist.
A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans.
A Medicare supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs.Then your Medigap policy pays its share.
Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs.Then your Medigap policy pays its share.
Medicare offers prescription drug coverage to everyone with Medicare. If you decide not to join a Medicare Prescription Drug Plan when you're first eligible, and you don't have other creditable prescription drug coverage, or you don't get Extra Help, you'll likely pay a late enrollment penalty. To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare.
Many people are confused about the steps to take towards getting Medicare when they become medicare eligible. You are either eligible due to a disability or due to age. Most people will age into Medicare and will automatically be enrolled in both parts of Medicare.
If you are near Medicare eligibility due to age and have not received any information then maybe it's time to to contact Social Security Administration but before you do first consider these things.
If you are near Medicare eligibility due to age and have not received any information then maybe it's time to to contact Social Security Administration but before you do first consider these things.
