Medicare Planning

Bridge the GAP to Medicare

 

Retiring Before AGE 65 and need Health Care?

Spouse / family need Health Care benefits?

 

AFFORDABLE health care is available you just don’t know about it yet!!

Schedule a 15 minute phone call with me to determine if this is something that fits your LIFESTYLE. (calendly)

 

Starting from $185

 

Do you Need help signing up for MedicareContact Us

Under 65:

  • Disabled and eligible for Medicare

65 Eligible:

  • Turning 65 in the next 6 months?  You can enroll in a Medicare Advantage plan (Part C) or Medigap plan up to three months before your 65th birthday, and three months after your birth month as long as you have ‘turned on’ Parts A & B.

Retiring over 65:

  • To avoid the Part B penalty, you should start Part B within 63 days of leaving your employer health plan.

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.
 

Let’s Get Stared!!

Click below your average number of Doctor visits in a year?

 

Medicare Needs Assessment

Medicare Plans and Services

We help you find ways to save money every month on health care by offering a free review of your Medicare plan, medicines costs and out-of-pocket expenses. Need help signing up for Medicare? Click the link below to schedule an appointment with us:

Schedule a Meeting
 

Supplemental Insurance “Medigap” carriers:

  • Covers 20% not covered by Medicare
  • No network
  • Optional riders for Part A deductible, Excess B Charges, and Preventative

Medicare Advantage (Medicare Replacement) plans: Click here

  • PPO, HMO Include Part D, most offer dental and vision and hearing benefits, Fitness benefit, OTC, and more

PDP or Part D Plans:

  • Pharmacy and medicine coverage

Quick Links to Carriers

Lasso Healthcare MSA

You are also responsible for paying:

  • Your monthly Part B premium.
  • 100% of any non-Medicare covered Qualified Medical Expenses (QMEs), via either your MSA bank account funds or out-of-pocket, before and after you reach the plan deductible.

* Deposit and deductible amounts shown above are full calendar-year amounts, based on a January 1 effective date. If you enroll for a partial calendar year, the deposit and deductible amounts will be prorated based on the month your coverage becomes effective with Lasso Healthcare MSA.

 

Check your Zip Code

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Evidence of Coverage

Aetna Allina

Aetna Supplements

 

 

Aetna Allina Medicare Advantage Plan with Part D

Aetna Allina Medicare Advantage Plan only

Over-the-Counter

Reimbursement forms

 

United Healthcare

United Healthcare Supplements - 'Medigap'

United Healthcare Medicare Advantage Plan with Part D

United Healthcare Medicare Advantage Plan only

Over-the-Counter - $50 credit per quarter to use on approved OTC products. Order online, over the phone, or by mail through your Health & Wellness Products Catalog.

Blue Cross Blue Shield

Supplements 'Medigap'

MAPD - Medicare Advantage Plan with Part D

MA - Medicare Advantage only

OTC - Over-the- Counter

UCare

Supplements - 'Medigap'

Medicare Advantage Plan with Part D

Medicare Advantage Plan only

OTC - Over-the-Counter

HealthPartners

Supplements - 'Medigap'

Medicare Advantage Plan with Part D

 

Medica

Supplements - 'Medigap'

Medicare Advantage Plan with Part D

OTC - Over-the-Counter

Humana

Supplements - 'Medigap'

Medicare Advantage Plan with Part D

Medicare Advantage Plan only

OTC - Over-the-Counter

Medishare

Medi-Share Carrier at Lifestyle Advisors  Brochure

Learn more Medi-Share is an innovative health care solution for Christians looking to save money without sacrificing on quality. As the nation’s largest health care sharing community, Medi-Share members take comfort in knowing their eligible medical expenses will be shared by their community.  Statement-of-faith     Enrollment

Wellcare PDP

Wellcare offers affordable Formulary coverage to go with Medicare Original and a Medicare Supplement.

Learn More Wellcare

 

ABOUT US: We take the time to analyze all of your health care entitlements, insurance, and cash options. We work with you to create a health care strategy that you can live with and feel good about. Schedule a Call.             

Click for the Annual Medicare Handbook:  Medicare and You.

Shop Health Services.

Procedure Price lookup.  This is the allowable amount Medicare insurance will pay for a procedure.

Your Medicare Original card entitlements apply as follows; Part A&B deductibles, then 20%. So your portion is 20% of the cost of the procedure.   We use this 'medicare allowed' amount when shopping for the same healthcare procedures, there is no mandate that says you can't pay the same! 😉

Questions about your situation?  Schedule time

MCS Worksheet.   MCS Education           Health Needs Assessment  PDF

No Insurance, No Problem, Pay as you-Go  or Shop your insurance benefits here!

Need a Lab?  Try fairpricelabs.com for most or all your blood/urine testing.  Results can be sent you and the physician.  Shop Labs at your doctor's office!

 

 

Shop Medicine prices.

GoodRx logo  

Blink Health RX look up for the best price.

  Brochure

 

Shop Doctors.

TheWedge  - Find local Independent Doctors

PHCS  - non-insurance Network

SEDERA Referral Map   -  Find independent providers nationwide.

WOW Health Solutions  -  Provider Exchange

 

Shop Health Insurance.

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Preferred One (Quote/Enroll)

Carrier logo

HealthPartners (Quote/Enroll)

 

Shop Dental Insurance.

Delta Dental (deltadentalmn.org)
1Dental.com
Careington Dental Savings

HealthPartners Dental

Ameritas Dental/Vision

 

There is Help to Pay Medical and Dental Expenses.

Not qualified for a Health Savings Account? Here is another way to pay for out-of-pocket medical expenses including dental, vision, RX, deductibles, IUAs, co-pays and much much more.

HMA – Health Matching Account Services HMA brochure

The HMA® (Health Matching Account) is the ultimate medical benefit savings account available and will help our customers be able to both save money on their out-of-pocket, medical expenses and also increase their primary health insurance plan deductibles to save up to 40% or more on their monthly premiums over time. This is because the HMA® awards its owners up to $2 in medical benefits or more for every $1 contributed into their HMA® account balance as the program progresses, which will allow our customers to raise their health insurance deductibles and lower their monthly premiums over time because their HMA® Medical Benefits Account is designed to cover their out-of-pocket, medical cost obligations up to the higher deductibles.

Learn more about HMA Prepaid Medical Claims Visa Card

 

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