Lynn Allen LLC

Getting a lot of mail and phone calls about Medicare? Make sure to contact us for a no cost consultation.

Insurance Basics: Dental insurance is a type of health insurance designed to pay a portion of the costs associated with dental care.

Accident Insurance helps you handle the medical and out-of-pocket costs that add up after an accidental injury. This includes emergency treatment, hospital stays and medical exams, and other expenses you may face, such as transportation and lodging needs.

Before choosing a plan we want to be sure you know the difference between your many options; In particular how Medicare Supplement Insurance Plans and Medicare Advantage Plans differ.

"What you get by achieving your goals is not as important as what you become by achieving your goals." - Zig Ziglar

Turning 65 this spring? Need help understanding your Medicare options? Contact us today for a no cost consultation. We can educate you on your options.

Medicare supplement plans are also called Medigap plans. Having a Medigap policy means you are still enrolled in Original Medicare as your primary health coverage.

We likely will need to chat: If you are 65+ (or turning 65 soon) and will have both Medicare and Employer Coverage because you are still actively working, you will have a number of things to think through.

Medicare Advantage plans are entirely separate from Medicare. When you enroll in a Medicare Advantage policy, you get your benefits from the plan, not Medicare. You agree to use the plan’s network of providers except when you need emergency care. You’ll pay copayments for your health care treatment as you go along. Think of these plans as an alternative to Original Medicare.

Fast Fact: A Medicare Advantage PPO must provide your A & B benefits to you under the plan. The plan must include an out-of-pocket maximum cap on your spending.

Medicare FAQ: Do I Still Pay for Part B on a Medicare PPO? Yes, you must be enrolled in both Medicare Parts A and B and live in the plan’s service area to be eligible for a Medicare Advantage PPO plan.

Medicare FAQ: Can I Change from an HMO to a PPO? Yes, you can change your Medicare Advantage plan whenever there is an available election period. For example, you can change Advantage plans during the Annual Election Period and the Medicare Advantage Open Enrollment window.