Need Help Buying Insurance?
help Is On The Way!
I live and work in Nevada. It made sense to use a desert theme.
I sell health and life insurance in Nevada, California and Arizona.
There’s no charge for consultation or an enrollment. No charge for post-sales support. I’m paid by insurance companies. You will never see a bill.
Enrollments take place in person or over the phone. For Medicare inquiries call 725-227-6795. For other types of insurance call 702-525-6847. You can also email ken@deserthealthandlife.com, or fill out the contact form on this site. I am a licensed independent insurance broker.
I live in Nevada which is where most of my business takes place. Arizona and California are next door. A rep you talk to on a toll free number may be located anywhere in the country. Far from you. Second, social media advertisements may give the impression that you will get a special deal by calling a toll free number. This is false. There are no special deals. Premiums (if there are any) and plan benefits are set by insurance companies and approved by the federal government (Center for Medicare and Medicaid Services). Finally, I don’t sell and run. I offer strong post sales support.
I’m an independent broker who is authorized (appointed) to sell plans with a wide array of companies. I am here to help you enroll in a Medicare plan that best matches what you need.
Medicare Advantage plans come with extra benefits. They vary depending on the plan, there are limits to what they offer, and some may cost you money. Read my blog ‘Medicare Advantage: Free Extra Benefits’ for more information.
There’s no absolute best plan. There’s a best plan for you.
When Medicare was signed into law in 1965, Parts A and B were the entire Medicare program. Original Medicare is also called ‘Traditional Medicare.’
Medicare is a federal insurance program. Eligibility is based on age or disability if tied to Social Security. Medicaid is a state-federal assistance program. Eligibility is based on income and personal assets.
Medicare’s three stages of drug coverage are: the deductible stage; the initial coverage stage; and the catastrophic stage. Whether you go through some or all of these stages depends on 1) the plan you have; 2) how many medications you are taking; 3) what medications you are taking. For more information, read my blog on this topic.
“Extra Help” is a federal program for people with limited income and resources that helps pay for prescription premiums, deductibles, and medications. You get Extra Help automatically if you have: 1) full Medicaid coverage; 2) a Medicare Savings Program; 3) Supplemental Security Income (SSI benefits). You can also apply online for Extra Help by going to https://www.ssa.gov/benefits/medicare/prescriptionhelp. Extra Help is also called Low Income Subsidy (LIS).