Medicare Ready.
Medicare made simple. Discover when to enroll, how to choose the right plan, and what costs to expect with expert Medicare guidance.
Medicare Made Simple in Minnesota, Hawaii, California, Florida, Wisconsin, South Dakota, Missouri, Colorado, Tennessee, Texas
👉 Email: Amy@Lifestyle-Advisors.com
What’s Your Situation?
Choose the path that fits you best:
Turning 65 within six months?
New to Medicare? We’ll walk you through your options, enrollment timelines, and how to avoid life long penalties. Text or Call 952-210-9456
65 Eligible:
- Enroll in Part A only or both Part A & B {without Social Security Benefits}
- HELP!! What is my application status?? CLICK
- If you are already taking social security benefits, then your Medicare number will be automatically sent to you.
- If you continue to work, you can delay Medicare Part B and Part D when your employer group plan is ‘credible coverage’.
- You have Guarantee Issue into a Medigap plan when you first turn 65; apply up to 3 months before or after your birth month.
- You can enroll in a Medicare Advantage plan (Part C) when Part A & B are both active or
- You can enroll in a Medigap plan when Part A is Active.
Retiring After 65
Losing employer coverage? We’ll help you transition smoothly without gaps or penalties.
If your employer offers retirement Medicare benefits, we can help Review the Retirement Options versus the market place. Cost and Value comparison.
- To avoid the Part B penalty, you should start Part B and Part D within 63 days of leaving your employer sponsored group health plan.
- Enroll in Part B only; If Part A is already started.
- You will also want to have a letter from HR confirming credible group health and drug coverage existed after turning age 65.
Under 65:
Disabled and eligible for Medicare under age 65 is usually run through the state medicaid programs. Not a broker service.
Veteran Benefits:
If you are eligible for VA or military benefits, you can also enroll in a Medicare plan. However it may not be advantageous to do so. Please contact us to see if you qualify or if it is right for you.
Selecting a Plan
What Medicare Covers Medicare Original
Medicare Costs worksheet for budgeting.
Medicare Strategy Presentation
Shop Medicare nationwide on HealthSherpa
Before every meeting or at the meeting, a generic-scope-must be completed (not my rules) SCOPE of APPOINTMENT
Covers 20% not covered by Medicare, access to any provider that accepts Medicare payment terms, No network
Optional riders for Part A deductible, Excess B Charges, and Preventative Exam
Networks include; PPO, HMO and PFFS, most plans Include Part D, with dental, vision and hearing benefits. a Fitness membership like SilverSneakers or OnePass offers access to local facilities, OTC, and more.
- Premiums start as low as $0 a month making them popular.
- Medicare replacement offers more than original medicare but not always.
PDP or Part D Plans:
Pharmacy and drug coverage; to avoid the penalty enroll in a credible drug plan within 63 days of becoming eligible for Medicare. Pair this with Medicare Original only or a Supplement plan.
Medicare Original & PDP
For those that stick with Medicare Original and enroll in a Part D plan, here is what you can expect to pay for medical expenses, the Medicare Allowed Amount HERE
Click for the Annual Medicare Handbook: Medicare and You.
Medicare Supplement (Medigap)
- Helps cover the 20% Original Medicare doesn’t pay
- No network restrictions
- Riders for additional coverage
- Predictable out-of-pocket costs
Medicare Advantage (Part C) (replacement)
- Limited Network, Co-Pays and Max-Out-Of-Pocket(MOOP) are budget considerations.
- All-in-one alternative to Original Medicare * Often includes dental, vision, and drug coverage, things Medicare Original does not cover.
Prescription Drug Plans (Part D)
- Covers your medications
- Helps you avoid late enrollment penalties
- We compare plans based on your specific prescriptions
We are personal, local, and focused on what’s best for you year after year.
âś” Expert Medicare guidance nationwide
âś” Licensed, independent broker (we work for you and not the insurance companies)
âś” No cost consultations
âś” Annual plan reviews (to see if we can lower costs)
âś” Help with enrollment, claims questions, and ongoing support
Avoid Common Medicare Mistakes
Many people don’t realize:
- Missing your enrollment window can lead to lifelong penalties.
- Choosing the wrong plan can cost you more per year.
- Not reviewing your drug coverage every year, because costs change.
- Income adjusted Part B premium, some will pay double or triple the standard rate.
Popular Carriers
Reliable and secure
A.M. Best rates both Physicians Mutual Insurance Company and Physicians Life Insurance Company A (Excellent) (October 2024) for financial strength and ability to meet obligations to customers. Physicians Select Insurance Company was established in 2022; rating information is unavailable at this time.
Part D – PDP Plans (Formulary) credible coverage for Medicare
Medicare drug coverage (also known as Medicare Part D) helps pay for the brand-name and generic drugs you need. It’s optional and offered to everyone with Medicare by insurance companies and other private companies approved by Medicare. Even if you don’t take prescription drugs now, consider getting Medicare drug coverage to avoid paying a late enrollment penalty later
Wellcare offers affordable Formulary coverage to go with Medicare Original and a Medicare Supplement.
Learn More Wellcare
SilverScript is now part of Aetna Medicare.
A drug formulary that covers over 3,000 medications common to Medicare customers.
Our MedicareBlue Rx (PDP) plans offer three different levels of coverage and cost sharing – the Select plan, the Standard plan and the Premier plan. Each plan pays a different amount toward prescription drugs. The right plan for you depends on how many drugs you take and the cost of those drugs.
Dental and Vision Plans.
Life Insurance
Have insurance needs?
We broker most Insurance carriers for:
- Annuities
- Life Insurance
- FINAL EXPENSE Insurance
- Disability Income
- Short and Long Term
- Supplemental and Ancillary
- Long Term Care
“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 1-800-MEDICARE to get information on all of your options.”