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 any conversation or an enrollment we do together. No charge for pre or post-sales support. I’m paid on a commission basis from insurance companies. You will never see a bill.
This site is designed to help you make informed decisions about health and life insurance. 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.
You will get personal service and rapid post-sales support. You’ll never have to worry about unreturned phone calls. The prices for plans are set by the insurance companies and approved by the Center for Medicare and Medicaid Services (CMS). There are no deals or bargains. Whether you talk to me or call a toll free number, you’ll receive the same information about plans and prices.
I’m not employed by an insurance company. Those who are, are known as captive agents. I’m an independent broker authorized (appointed) to sell plans from a wide variety of companies. This gives me maximum opportunity to help you enroll in a plan that best matches what you need.
They may leave you the impression that free extra benefits are unlimited. Benefits have limits. Some may cost you money. Read my blog ‘Medicare Advantage: Free Extra Benefits’ for detailed 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.’ They’re one and the same.
Medicare is a federal insurance program. Eligibility is based on age or disability if funds come from Social Security. Medicaid is a state-federal assistance program. Eligibility is based on income and other financial resources. Beneficiaries include parents and children; the disabled; pregnant women; older adults; and other low-income individuals, depending on the state.
Medicare’s four stages of drug coverage are: the deductible stage; the initial coverage stage; the coverage gap; and catastrophic stage. Whether you go through some, or all, of these stages depends on 1) the plan you have; 2) the number of medications you are taking; 3) what medications you are taking. Read my blog on this topic.
“Extra Help” is a federal program for people with limited income and resources that helps pay for Medicare (Part D) premiums, deductibles, and costs for 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).