Michele Nazarek, License Insurance Broker, Senior Benefits Specialist

Call me with questions about Medicare Supplements (951)442-8030 or go to NazarekInsurance.com

Medicare Supplemental Insurance (Medigap) is extra insurance you can choose to buy from a private company to help pay your costs in Original Medicare (Part A & B). Each Medigap plan has different benefits—you can buy the one that meets your needs. Learn more: https://go.medicare.gov/3Z7u8P9

Call me to review your 2024 Medicare Health Plan at 951-442-8030.

Only 1 week left to compare 2024 Medicare drug & health coverage options! Take time to review your current coverage and make sure your choice still works for you.

If you're thinking about making any changes, act now: https://go.medicare.gov/47hnDdP

Don’t forget to enroll. If you’re still exploring your Medicare Advantage plan
options for 2024, contact me today for help. Together, we can find the right
UnitedHealthcare plan for you. 951-442-8030, TTY 711

Looking for a Medicare plan that meets your needs and budget? I can help. I'm a licensed
sales agent for UnitedHealthcare Medicare Advantage plans based in Las Vegas.
Call me at 951-442-8030, TTY 711.

The Medicare Advantage plan includes a Part B giveback.* That means it may reduce your monthly Medicare Part B premium. This could be either through a credit to your Social Security check or by reducing the monthly amount you pay directly to Medicare, depending on how you pay your premium. Call me—I’d be happy to go over this with you.
• Part B premium reduction, putting up to $100 back into your Social Security check each month*
• $500 yearly Humana Flex allowance to use toward the plan's covered dental, vision or hearing services†
• Worldwide emergency coverage


Call a licensed independent sales agent
951-442-8030 (TTY: 711)

The Part B Giveback Benefit pays part or all of your Part B premium and the amount may change based on the amount you pay for Part B.
* The Part B Giveback Benefit pays part or all of your Part B premium and the amount may change based on the amount you pay for Part B.
† Allowance amounts cannot be combined with other benefit allowances. Limitations and restrictions may apply.

A Humana Medicare Advantage plan could help you buy the things you need to be your healthiest. And it’s included with our Humana Gold Plus SNP-DE H6622-079 (HMO D-SNP) plan. Here’s how it works:
•
•
• You can swipe your card at thousands of participating locations like Walmart, Dollar General, Publix, and more
•



Call a licensed independent sales agent
951-442-8030 (TTY: 711)
[email protected]

* Allowance amounts cannot be combined with other benefit allowances, used to purchase Medicare-covered prescriptions or converted to cash. Limitations and restrictions may apply.

On the day your Humana Gold Plus H6622-056 (HMO) coverage begins, you’ll get access to a Flex allowance of $1000 a year.

It can go towards out-of-pocket costs for your plan’s covered dental, vision and hearing services—including copays. Get flexibility throughout your plan year to purchase dental fillings, extractions, crowns, dentures, frames, lenses, prescription sunglasses, contacts, hearing aids and more.


Call a licensed independent sales agent
951-442-8030 (TTY: 711)
[email protected]

* Allowance amounts cannot be combined with other benefit allowances. Limitations and restrictions may apply.

Can a Medicare plan put money back into your pocket?

Humana Honor Medicare Advantage plans not only offer a premium of $ 0, but you get up to $125 towards your Part B premium with Humana USAA Honor (PPO). How does it work? Every month, you’ll get a credit to your Social Security check, even if you’re not paying for Part B with Social Security. Extra benefits for this Humana Honor Plan include:

• Part B premium reduction, putting up to $125 back into your Social Security check each month*
• $1,000 allowance to spend per year on preventive dental care, dentures, fillings, crowns and more†
• Worldwide emergency coverage



Call a licensed independent sales agent
951-442-8030 (TTY: 711)
[email protected]

* The Part B Giveback Benefit pays part or all of your Part B premium and the amount may change based on the amount you pay for Part B.
† Dental allowance with any dental provider with no copays or coinsurance, excluding cosmetic. Allowance amounts cannot be combined with other benefit allowances. Limitations and restrictions may apply. Dental benefits may not cover all American Dental Association procedure codes. Information regarding each plan is available at Humana.com/sb.

AEP is here. Call me to check out your 2024 plan benefits

Medicare Health Plans | Medicare Medicare Health Plans Medicare health plans provide Part A (Hospital Insurance) and Part B (Medical Insurance) benefits to people with Medicare. These plans are generally offered by private companies that contract with Medicare. They include Medicare Advantage Plans (Part C) , Medicare Cost Plans ,....

Which plan you choose can make all the difference. The HumanaChoice H5216-281 (PPO) is a Medicare Advantage plan made to get you all the right benefits for your budget. It includes:
Routine dental coverage
$3,000 allowance to spend per year on preventive dental care, fillings, crowns and more*
No referral for specialists
No referral required to see in-network specialists
Primary care physician (P*P)
$0 copay for each primary care visit



Call a licensed independent sales agent
951-442-8030 (TTY: 711)
[email protected]
http://www.humana.com/mnazarek

* Costs, coverage and benefits vary by location. Dental benefits may not cover all American Dental Association procedure codes. Information regarding each plan is available at Humana.com/sb.

Which plan you choose can make all the difference. The Humana USAA Honor (PPO) is a Medicare Advantage plan made to get you all the right benefits for your budget. It includes:
Part B giveback benefit
Part B premium reduction, putting up to $125 back into your Social Security check each month*
Chiropractic care
$10 chiropractic visit copay
Dental, hearing and vision coverage
Routine dental, hearing and vision coverage



Call a licensed independent sales agent
951-442-8030 (TTY: 711)
[email protected]
http://www.humana.com/mnazarek

* The Part B Giveback Benefit pays part or all of your Part B premium and the amount may change based on the amount you pay for Part B.

Open Enrollment starts Sunday Oct. 15th. Preview plans in your area now. Call me with any questions or to enroll.

starts October 15! Now’s a great time to review your current coverage and think about what benefits matter to you for 2024. Create or log into your secure Medicare account and select “Compare Plan Details” to see how your costs & benefits may change next year if you stay in the same plan: www.medicare.gov/account.

Which plan you choose can make all the difference. The Humana Gold Plus H6622-056 (HMO) is a Medicare Advantage plan made to get you all the right benefits for your budget. It includes:
Flex allowance
$1000 yearly Humana Flex allowance to use toward the plan's covered dental, vision or hearing services*
Dental, hearing and vision coverage
Routine dental, hearing and vision coverage
Fitness program
$0 copay for SilverSneakers® fitness program†
Primary care physician (P*P)
$0 copay for each primary care visit
Specialist coverage
$0 copay for a specialist visit


Call a licensed independent sales agent
951-442-8030 (TTY: 711)
[email protected]
http://www.humana.com/mnazarek

* Allowance amounts cannot be combined with other benefit allowances. Limitations and restrictions may apply.

† All product names, logos, brands and trademarks are property of their respective owners, and any use does not imply endorsement.

Humana and your local licensed sales agent are here to take the mystery out of Medicare. You don’t have to navigate it alone; your agent can offer professional advice to help you find and enroll in the right Medicare Advantage plan for you.

Even if you’re new to Medicare, Humana isn’t. We’ve got over 6 decades of healthcare experience, and we’re trusted by millions of Medicare Advantage members.* At every step in your journey, we strive to go above and beyond with answers, guidance and support to help you reach your best health. It’s more than healthcare. It’s human care.


Call a licensed independent sales agent
951-442-8030 (TTY: 711)
[email protected]
humana.com/mnazarek

Scammers have all kinds of tricks up their sleeve, including offering you “free” medical equipment in exchange for your Medicare Number. Don’t respond to scammers! Learn how to detect and prevent Medicare fraud: https://go.cms.gov/3WKyhpd

Turning 65 or new to Medicare?
Humana Gold Plus H6622-056 (HMO) has a Flex allowance* that gives you $1500 each year toward vision, hearing and dental care under your plan. Use it on dental fillings, extractions, crowns, dentures, frames, lenses, prescription sunglasses, contacts and hearing aids. Striving to go beyond the expected to help you get what you need to live your healthiest and happiest—that's human care.


New for 2023
One card for plan allowances
The Flex allowance will automatically be loaded to the new Humana Spending Account Card, so you only have one card to keep track of.

Call a licensed Humana sales agent
702-423-5678 (TTY: 711)
http://humana.com/mnazarek

* Allowance amounts cannot be combined with other benefit allowances, used to purchase Medicare-covered prescriptions or converted to cash. Limitations and restrictions may apply.

Michele Nazarek, License Insurance Broker, Senior Benefits Specialist Licensed Health insurance agent specializing in Medicare Advantage plans, Part D plans & Med supp

Give us a call with your Medicare questions (702) 423-5678

Medicare questions? We are taking calls right now at The Medicare Helpline at New 3. You can also always call me at Anna Ladao, Licensed Insurance Agent 702-235-8539 Michele Nazarek, Licensed Sales Agent, MarketPoint.

Come see me today Saturday 11/5/22 at Sam’s town. Here till 5:00

Give me a call and I can help figure out your estimated drug cost 702-423-5678

As you compare plans for 2023, be sure to check that your prescriptions are on the plan’s list of covered drugs. You can also estimate your out-of-pocket costs for brand name & generic drugs.

Compare up to 3 plans at one time at www.Medicare.gov/plan-compare.

You can also contact me for help 702-423-5678

Helping someone compare Medicare plans? Here’s a tip: bookmark Medicare.gov/plan-compare! It’s the best place to browse Medicare coverage options & find 2023 plans. It’s mobile friendly, easy-to-read, and helps you through the process of shopping for & comparing plans.

You can also get 24/7 assistance at 1-800-MEDICARE.

If you have Medicare questions, give me a call 702-423-5678. Let’s talk about your options

starts October 15! Now’s a great time to review your current coverage and start thinking about what benefits matter to you for 2023. Create or log into your secure Medicare account and select “Compare Plan Details,” to see how your costs & benefits may change in 2023 if you stay in the same plan: Medicare.gov/account.