Affordable Life & Health LLC

𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲: 𝗞𝗻𝗼𝘄 𝘆𝗼𝘂𝗿 𝗥𝗶𝗴𝗵𝘁𝘀

When you have Medicare, there are rules that protect your right to fair treatment, access to helpful information, and the privacy of your personal and health records.

You have rights whether you’re enrolled in Original Medicare in which you can choose any doctor or hospital that accepts Medicare or Medicare Advantage, in which you get care within a network of health care providers.

Your rights guarantee that you get the health services the law says you can get, protect you against unethical practices, and ensure the privacy of your personal and medical information. You have the right to be treated with dignity and respect at all times, and to be protected from discrimination.

You also have the right to get information in a way you understand from Medicare, your health care providers, and, under certain circumstances, Medicare contractors. This includes information about what Medicare covers, what it pays, how much you have to pay, and how to file a complaint or appeal.

Moreover, you’re entitled to learn about your treatment choices in clear language that you can understand and to participate in treatment decisions.

Are you still confused about Medicare and what specifically are your rights? We can help you with a wide range of legal issues concerning this program and how it is being applied to your specific situation. Talk to our Independent Insurance Broker at 918-695-3411.

𝗪𝗵𝗮𝘁 𝘀𝗵𝗼𝘂𝗹𝗱 𝗜 𝗱𝗼 𝗶𝗳 𝗺𝘆 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗔𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲 𝗽𝗹𝗮𝗻 𝗱𝗲𝗻𝗶𝗲𝘀 𝗺𝘆 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲?

If your Medicare Advantage plan denies coverage of a medical service or item that you think it should cover, you can file an appeal. An appeal can be a multi-stage process unless your plan agrees to cover the service or item in question right away.

If the plan won't cover the items or services you asked for, you'll get a notice explaining why your plan fully or partially denied your request and instructions on how to appeal your plan's decision by requesting a reconsideration. If you appeal the plan’s decision, you may want to ask for a copy of your file containing medical and other information about your case. Your plan may charge you for this copy.

Medicare Advantage plans must follow specific guidelines in order to deny a claim. These guidelines may vary slightly based on your plan, but in general, you can reduce your risk by Knowing and following your plan’s rules, Receiving services that are both medically necessary and covered by your plan, and Getting services outside the Medicare Advantage plan’s network.

To know more about the Medicare Advantage plan and its coverage, call our Medicare Advisor at 918-695-3411. We will make sure that you'll get the assistance you deserve.

𝗖𝗮𝗻 𝘆𝗼𝘂 𝗯𝗲 𝗧𝘂𝗿𝗻𝗲𝗱 𝗗𝗼𝘄𝗻 𝗳𝗼𝗿 𝗮 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗦𝘂𝗽𝗽𝗹𝗲𝗺𝗲𝗻𝘁 𝗣𝗹𝗮𝗻?

Medicare Supplement plans are a great option for Medicare beneficiaries who want to keep the freedoms of Original Medicare but wish to reduce their out-of-pocket costs. When you have a Medicare Supplement (Medigap) plan, you are no longer responsible for all of the costs Original Medicare leaves behind. However, if you do not enroll when you first become eligible, you could be denied Medicare Supplement coverage.

There are very few circumstances when your carrier may drop your coverage after you enroll in a Medicare Supplement plan. If you lie on your application, fail to pay your monthly premium, or your Medicare Supplement plan carrier goes bankrupt, you will lose coverage.

A Medicare Supplement insurance plan in Oklahoma may not deny coverage because of a pre-existing condition unless you're on open enrollment or a guaranteed issue situation.

Talk to a Tulsa Medicare Advisor about what you can expect in a Medicare Supplement Plan.

Call us at 918-695-3411.

𝗪𝗵𝗼 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗺𝗼𝘀𝘁 𝗳𝗿𝗼𝗺 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲?

Medicare is one of the pillars of the U.S. social insurance system and the primary source of health care coverage for those over 65. More than 58 million people were enrolled in Medicare in 2017.

Medicare is the federal government program that provides health care coverage (health insurance) if you are 65+, under 65, and receiving Social Security Disability Insurance (SSDI) for a certain amount of time, or under 65 and with End-Stage Renal Disease (ESRD).

The Centers for Medicare & Medicaid Services (CMS) is the federal agency that runs Medicare. The program is funded in part by Social Security and Medicare taxes you pay on your income, in part through premiums that people with Medicare pay, and in part by the federal budget.

It is important to understand your Medicare coverage choices and to pick your coverage carefully. How you choose to get your benefits and who you get them from can affect your out-of-pocket costs and where you can get your care.

A Medicare specialist can help you figure out exactly what's covered under your plan and whether supplemental coverage would be a good idea.

Call us at 918-695-3411 and we will help you simplify the best plans & services with Medicare.

𝗧𝘂𝗹𝘀𝗮 𝗔𝗿𝗲𝗮 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗔𝗱𝘃𝗶𝘀𝗼𝗿

Since 1993, I have provided 1 on 1 service to my people. Everyone has my cell number and can call me at any time. I DO answer my phone, even after business hours. As a broker, I have access to many companies. I show what the plans do but also talk about what they don't do.

That way there are NO surprises later and you can make your decision fully informed and know my customer service is there for you, ALWAYS. You may come by my office or if it is easier for you, I will meet you. If necessary, I will also help you enroll in Medicare.

As a disabled vet myself, I work closely with veterans. I have inside knowledge that the VAST majority of other agents do not possess. I have access to over 100 companies. Whether you are 18 or 100, odds are I can help you. I do not pressure my people. Just giving out the information in such a way you can understand and then the decision is yours.

If you have questions about a healthcare plan or services available, please call (918) 695-3411.

𝗛𝗼𝘄 𝗪𝗼𝗿𝗸𝗲𝗿𝘀 𝗖𝗼𝗺𝗽𝗲𝗻𝘀𝗮𝘁𝗶𝗼𝗻 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗪𝗼𝗿𝗸𝘀

Workers’ compensation insurance provides medical and wage benefits to people who are injured or become ill at work. Each state mandates the coverage and the wage and medical benefits vary by state.

Workers’ compensation is considered social insurance because it relies on a social contract between management and labor, wherein in exchange for purchasing workers’ compensation insurance, business owners are protected from civil suits from their workers who become injured on the job.

Yet each party benefits has limitations. Workers’ compensation insurance is purchased by businesses, and is underwritten by insurance companies and, in some states, underwritten by publicly supported state funds.
Even when not required by law, this policy provides important protection against medical expenses and employee lawsuits related to workplace injuries.

You can rely on workers’ comp if you or an employee needs medical care or time off due to a workplace injury – or if an injured employee sues you for failing to prevent an accident.

For more info or a quote on Workers’ Insurance Compensation, call us at (918) 695-3411.

𝗗𝗲𝗻𝘁𝗮𝗹 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗳𝗼𝗿 𝗦𝗲𝗻𝗶𝗼𝗿𝘀: 𝗜𝘀 𝘁𝗵𝗶𝘀 𝘄𝗼𝗿𝘁𝗵 𝗶𝘁?

If you’re a Medicare beneficiary, you’ve likely got your health insurance covered. But what about your teeth? Receiving regular dental care is incredibly important to your overall health, but some seniors forego proper care due to the high cost.

Most seniors on Medicare need to purchase additional dental insurance. Original Medicare - Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) doesn’t cover routine dental care, such as cleanings, fillings, crowns, and dentures.

It may cover certain dental expenses related to surgery or as part of an emergency. If you have Original Medicare and want dental coverage, however, you can buy a separate dental plan or enroll in a Medicare Advantage Plan, also known as Medicare Part C, that includes dental benefits.

When shopping for a Medicare Advantage plan with dental coverage, make sure that the plan covers the dental services that are most important to you. This could include routine dental exams, X-rays, gum disease treatment, fillings, or dentures.

For more info or a quote on Medicare Advantage plans available, call us at (918) 695-3411.

𝗦𝗲𝘁𝘁𝗶𝗻𝗴 𝘁𝗵𝗲 𝗙𝗮𝗰𝘁𝘀 𝗦𝘁𝗿𝗮𝗶𝗴𝗵𝘁 𝗮𝗯𝗼𝘂𝘁 𝗠𝗲𝗱𝗶𝗰𝗮𝗶𝗱

Medicaid is a public insurance program that provides health coverage to low-income families and individuals, including children, parents, pregnant women, seniors, and people with disabilities; it is funded jointly by the federal government and the states.

Each state operates its own Medicaid program within federal guidelines. Because the federal guidelines are broad, states have a great deal of flexibility in designing and administering their programs. As a result, Medicaid eligibility and benefits can and often do vary widely from state to state.

Eligibility varies by state, but applicants generally must meet all of the following:
• A resident of the state in which you are applying, and
• Whose financial situation would be characterized as low income or very low income, and
• A citizen of the United States or certain qualified non-citizens, such as lawful permanent residents.

Medicaid medical coverage includes the most common forms of healthcare. In fact, Medicaid medical benefits cover at least the same services that Medicare does, and usually more. Medicaid also pays Medicare premiums, deductibles, and copayments for those enrolled in both programs.

To know more about Medicaid Medical Coverage, Talk to our independent insurance broker at 918-695-3411.

𝗡𝗼𝘁 𝗮𝗹𝗹 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗔𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲 𝗣𝗹𝗮𝗻𝘀 𝗔𝗿𝗲 𝘁𝗵𝗲 𝗦𝗮𝗺𝗲

Oklahoma Medicare Advantage plans are available through Medicare-approved private insurance companies, the costs and coverage vary by plan, and not every location has the same medicare advantage plans available.
You have to be enrolled in Medicare part A and part B to be eligible for a Medicare Advantage plan in Oklahoma. And you have to be local to the service area of the plan you choose.

While all Medicare Advantage plans offer Part A and Part B benefits, the additional benefits vary significantly from plan to plan.

It’s also important to be aware that your favorite doctor might be covered under one plan but may be out of network on another plan. So, make sure that you understand the rules for the type of plan that you choose.
Review the plan documents, compare plans side by side, and view plan ratings and reviews in order to make the best decision for you.

Interested in learning more about Medicare, Medigap, and Medicare Advantage plans? Our Medicare Advisor may be able to help. Call us at 918-695-3411.

𝗚𝘂𝗶𝗱𝗶𝗻𝗴 𝘆𝗼𝘂 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗣𝗮𝗿𝘁 𝗔 𝗮𝗻𝗱 𝗣𝗮𝗿𝘁 𝗕 𝗣𝗹𝗮𝗻𝘀

Medicare Part A (hospital coverage) and Medicare Part B (medical coverage) are what most people think of when you say, Medicare health insurance.

In order to help people with the gaps in health coverage that Medicare doesn't provide, Medicare supplement plans were created. Also known as Medigap insurance.

These Medicare supplement plans are provided by American insurance companies. Not the federal government.

Les Stanfill will guide you through the Medicare supplement plans. He'll help you understand what Medicare insurance services and Medigap insurance services are available and what program works best for you.

Call us today at (918) 695-3411, and you'll get the assistance you deserve.

𝗛𝗼𝘄 𝗗𝗼𝗲𝘀 𝗟𝗶𝗳𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗪𝗼𝗿𝗸?

Life insurance is a type of insurance contract. When you purchase a life insurance policy, you agree to pay premiums to keep your coverage intact.

If you pass away, the life insurance company can pay out a death benefit to the person or persons you named as beneficiaries of the policy.

The major purpose of life insurance is protection - the instant estate to meet survivor needs. Some policies include a savings feature, but there are many other ways to save money and make investments.
When buying life insurance, your primary concern should be providing adequate protection; the possible savings feature is a secondary consideration.

Life insurance policies are very affordable and can be taken on adults or children. For children's policies, usually when the child turns 18, part of the money paid into the insurance is available for withdrawal.

Call us at 918-695-3411 to know more information about How Life Insurance Work and Its Coverage.

𝗣𝗿𝗶𝗺𝗮𝗿𝘆 𝗕𝗲𝗻𝗲𝗳𝗶𝗰𝗶𝗮𝗿𝘆 𝗩𝘀 𝗖𝗼𝗻𝘁𝗶𝗻𝗴𝗲𝗻𝘁 𝗕𝗲𝗻𝗲𝗳𝗶𝗰𝗶𝗮𝗿𝘆

One of the best ways to make sure your assets are handled according to your wishes is to designate both primary and contingent beneficiaries.

A primary beneficiary is a person who has been selected in a will, trust, or health insurance policy to be first in line to receive any designated benefits.

In contrast, a contingent beneficiary is an individual that will receive any benefits left from a will, trust, or health insurance policy only if the primary beneficiary has passed away.

This particular characteristic happens to be the main factor that distinguishes these types of beneficiaries from one another. You will need to know the conditions as to when they can each receive benefits designated from a will, trust, or health insurance policy.

Interested in naming a beneficiary for your health insurance policy? Call us at 618-695-3411. We will help you with the instructions for listing primary and contingent beneficiaries.

𝗞𝗻𝗼𝘄 𝘄𝗵𝗮𝘁’𝘀 𝗰𝗼𝘃𝗲𝗿𝗲𝗱 𝗶𝗻 𝗮 𝗪𝗲𝗹𝗹𝗻𝗲𝘀𝘀 𝗩𝗶𝘀𝗶𝘁

After you have had Medicare medical insurance for longer than 12 months, you will be eligible for a wellness visit. Here, you will work with your health care provider to develop or update a personalized prevention plan to guard against disease and disability based on your current health risk factors.

Wellness visits, also called physicals or checkups, are an important part of staying healthy. They provide a time for you and your primary care doctor to focus on preventive care and lifestyle habits, such as diet and exercise, that can impact your overall health. Most insurance policies fully cover the cost of an annual wellness visit.

Most health plans cover preventive services without charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible.

Your visit may include assessment or evaluation of things such as your weight, cholesterol levels, blood pressure, to***co or alcohol use, nutrient deficiencies, your risk for certain types of cancer, disease, or other health conditions, and many other health issues.

For more information about the coverage of wellness visits and to avoid insurance surprises, talk to our independent insurance broker by calling us at 918-695-3411.

𝗨𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝗖𝗼𝗺𝗽𝗿𝗲𝗵𝗲𝗻𝘀𝗶𝘃𝗲 𝗕𝗼𝗮𝘁 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗖𝗼𝘃𝗲𝗿𝗮𝗴𝗲

Did you know that boat insurance is one of the earliest known forms of insurance?

Boat insurance contains coverage types to help in different situations, much like car insurance. Property coverage protects the boat against theft and damage due to an accident or sinking. The coverage usually applies to the boat whether it’s on land or water.

You can choose between actual cash value or agreed value, also called replacement cost coverage, in the event your boat is totaled or stolen. The coverage you choose influences your costs and decides how much the insurance company will pay if you file a claim later.

Boat insurance policies can vary widely in what they do and do not cover based on a number of considerations, including the type of boat, the waters it will traffic, and how many months of the year the boat will be used.

Contact us at 918-695- 3411 to learn more about the right boat insurance for you.

𝗪𝗵𝗮𝘁 𝘁𝗼 𝗘𝘅𝗽𝗲𝗰𝘁 𝗪𝗵𝗲𝗻 𝗔𝗽𝗽𝗹𝘆𝗶𝗻𝗴 𝗳𝗼𝗿 𝗟𝗶𝗳𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲

Because families depend on cash for day-to-day survival, there is a real need for protection from financial disaster if the source of cash is removed. Life insurance is one way to provide security if part or all of the family's income is cut off because of death. It can also provide funds to replace the services that a member of the family provides.

When applying for life insurance, the insurance company first evaluates your risk of death and assigns a cost to the policy accordingly. There are different ways a beneficiary may receive a life insurance payout, including lump-sum payments, installment payments, annuities, and retained asset accounts.

If you’ve been shopping for life insurance and have chosen your policy type, amount, and company, you’re ready for the life insurance application. It’s a long process with many important, detailed questions, but you can set yourself up for success by preparing information ahead of time.

Talk to us so we can help you proceed with your plans to purchase coverage confidently. Call us at 918-695-3411.

𝗪𝗵𝘆 𝘀𝗵𝗼𝘂𝗹𝗱 𝗜 𝗶𝗻𝘀𝘂𝗿𝗲 𝗺𝘆 𝗿𝗲𝗰𝗿𝗲𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝘃𝗲𝗵𝗶𝗰𝗹𝗲?

Recreational vehicles, or RVs, include a wide range of motorhomes and Travel Trailers, from camper vans to bus conversions, organized by classes: Class A, B, and C to 5th Wheel trailers.

RVs can cause serious damage to property and other vehicles, so it’s crucial to obtain optimal coverage to protect your investment. Having insurance on your recreational vehicle helps to ensure the protection of your vehicle, yourself, your passengers, and others.

Recreational vehicles coverage can include Liability, in case you injure someone or damage someone’s property, Physical damage, which provides coverage for fire, theft, vandalism, hail, flood, collision, etc., medical payments and uninsured coverages are also available, in case a driver or rider is injured, and there are several other options, such as roadside assistance, custom equipment, accessories, carried contents, etc.

Are you the type of person who doesn’t see the point in insuring recreational vehicles you don’t use for most of the year? Call us today at 918-695-3411 and let’s talk about the recreational vehicles you have and whether the policy premium could be low enough to justify coverage.

𝗛𝗼𝘄 𝗗𝗶𝘀𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗣𝗿𝗼𝘁𝗲𝗰𝘁𝘀 𝘆𝗼𝘂𝗿 𝗜𝗻𝗰𝗼𝗺𝗲

Disability insurance plays important role for your entire family. It’s hard to think about or plan for, but if you were to experience a fatal or debilitating accident or illness damaging your ability to provide your family with income, Disability Insurance could help maintain your family’s financial well-being.

Even if you always practice safe and healthy habits, there’s no guaranteed way to protect you from any of these maladies. But there is a way to protect your family’s way of life if you lose your ability to earn an income.

Disability insurance – also called disability income insurance – replaces a portion of your income when you’re too sick or injured to work. The benefits you receive can be used for anything you want or need, including Mortgage, Utilities, Auto loans, Retirement Contributions, Childcare and etc.

Call us at 918-695-3411 to know more about how disability insurance can provide an income for you when your family needs it most.

𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗔𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲 𝗮𝗻𝗱 𝗩𝗲𝘁𝗲𝗿𝗮𝗻𝘀 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀

VA system and Medicare have no overlap in benefits. To get VA benefits, you must use VA facilities, according to the official website of the U.S. Department of Veterans Affairs.

This can be a big deal if your local VA hospital is far away. However, if you belong to a Medicare Advantage plan, you can use the local health care resources in your network.

Having both types of coverage is helpful if you need specialized care, if you have a condition not connected to your military service, or if you want to use non-VA providers.

If you decide to enroll in Medicare, your VA benefits pay for VA-authorized services, and Medicare pays for Medicare-covered services.

There isn't a specific Medicare supplement plan for veterans in Oklahoma. But the VA recommends veterans with VA healthcare also enroll in Medicare Parts A and B as soon as they become eligible. In some cases, veterans are able to get additional coverage with a Medicare Advantage plan at no cost to you.

Call us at (918) 695-3411 to talk about your situation.

𝗛𝗼𝘄 𝗣𝗿𝗲𝘀𝗰𝗿𝗶𝗽𝘁𝗶𝗼𝗻 𝗗𝗿𝘂𝗴 𝗣𝗹𝗮𝗻 𝗪𝗼𝗿𝗸𝘀 𝗶𝗻 𝗢𝗸𝗹𝗮𝗵𝗼𝗺𝗮

One option is a stand-alone Medicare Part D plan. Also known as stand-alone Prescription Drug Plans (PDP). In Oklahoma, you're eligible to enroll in stand-alone prescription drug plans if you are entitled to Medicare benefits under Medicare Part A and/or Medicare Part B.

Medicare Part D is a voluntary outpatient prescription drug benefit for people with Medicare in Oklahoma, provided through private plans approved by the federal government.

Medicare beneficiaries can choose to enroll in either a stand-alone prescription drug plan (PDP) to supplement traditional Medicare coverage or an Oklahoma Medicare Advantage prescription drug plan (MA-PD), mainly HMOs and PPOs, that cover all Medicare benefits including drugs.

Medicare beneficiaries in Oklahoma have a choice of 30 available stand-alone prescription drug plans in 2021. We can help you get the right stand-alone prescription drug plans for you.

Interested in a prescription plan? Call us at (918) 695-3411 and talk to a Medicare advisor.

𝗪𝗵𝗶𝗰𝗵 𝗣𝗹𝗮𝗻 𝗶𝘀 𝘁𝗵𝗲 𝗥𝗶𝗴𝗵𝘁 𝗳𝗼𝗿 𝗺𝗲?

Your health care needs are personal, and your Medicare choices should be too and everyone’s insurance needs are unique; the best Medicare Advantage plan or Medicare Supplement plan for your neighbor maybe not be a good choice for you. That’s why it’s important to know what to look for and how to choose between plans before buying.

While you can use Original Medicare anywhere in the country, most Medicare Advantage plans require you to use a provider network for all but emergency care.

Among the many factors to consider in your Medicare decision: are health status, cost, coverage, use of prescription drugs, amount of travel you plan to do, and access to existing or preferred doctors and hospitals.

Consider working with Affordable Life & Health Tulsa Medicare Advisor to explore your options. Call us today at 918-695-3411 to learn all you can about getting the best insurance coverage for your current and future health care needs.

𝗪𝗵𝗮𝘁 𝗣𝗮𝗿𝘁 𝗔 𝗖𝗼𝘃𝗲𝗿𝘀

Medicare Part A is hospital insurance provided by Medicare through the Centers for Medicare & Medicaid Services. Part A coverage includes but may not be limited to inpatient care in hospitals, nursing homes, skilled nursing facilities, and critical access hospitals.

Medicare Part A (hospital insurance) is one-half of the Original Medicare. Part A covers hospital stays and most of the services you receive as an inpatient in a hospital or skilled nursing facility. Costs may not be covered by Part A if you are in the hospital for observation.

Part A does not include long-term or custodial care. If you meet specific requirements, then you may also be eligible for hospice or limited home health care.

You’re eligible to enroll in Medicare Part A during your Initial Enrollment Period (IEP), which is the seven-month period around your 65th birthday. Your IEP begins three months before the month of your 65th birthday including your birth month and lasts up to three months after your birthday month.

Understanding the basics of Medicare and how it works will help lay the foundation you need to make decisions about your Medicare coverage choices. For more information about Medicare Plans, call us at (918) 695-3411 or visit our website.

𝗨𝗻𝗯𝗶𝗮𝘀𝗲𝗱, 𝗛𝗲𝗹𝗽𝗳𝘂𝗹 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗔𝗱𝘃𝗶𝘀𝗼𝗿

It’s not easy finding a knowledgeable, respected, and trustworthy authority on Medicare. You should look for a Medicare advisor who offers a variety of plans from different providers. Medicare advisors should be unbiased and weigh the pros and cons of various Medicare plans as they apply to your personal situation.

Les Stanfill will guide you through the Medicare supplement plans. He'll help you understand what Medicare insurance services and Medigap insurance services are available and what program works best for you. You'll get the assistance you deserve.

If you're new to Medicare, you'll get professional assistance here. We'll help you find the right program or plan for the services and coverage you need.

Call us at 918-695-3411 to talk to our Medicare Advisor or schedule a face-to-face appointment.

𝗪𝗵𝗮𝘁 𝗠𝗲𝗱𝗶𝗰𝗮𝗹 𝘀𝘂𝗽𝗽𝗹𝗶𝗲𝘀 𝗮𝗻𝗱 𝗲𝗾𝘂𝗶𝗽𝗺𝗲𝗻𝘁 𝗱𝗼𝗲𝘀 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗣𝗮𝗿𝘁 𝗕 𝗰𝗼𝘃𝗲𝗿?

Medicare Part B helps to pay for many items of medical equipment and supplies that help you function like wheelchairs, artificial limbs, pacemakers, commode chairs, hospital beds, appliances to help breathing, neck and back braces, oxygen supplies and many more. The equipment must be durable and long-lasting. With only a few exceptions, Medicare doesn’t cover disposable items.

Your doctor or another health care provider determines what equipment you need per Medicare guidelines. Your health condition needs to be assessed first to determine what equipment can be used in your home and what equipment you are able to use.

Generally, Medicare pays for only one piece of DME for a particular health condition at any one time. Also, Medicare usually only pays for the most basic form of the equipment that’s needed.

If you have a question about whether Part B covers a particular type of durable medical equipment or whether specific equipment can be owned or must be rented, Call us at 918-695-3411 to speak to our Medicare Advisor.

𝗖𝗼𝘀𝘁 𝗼𝗳 𝗢𝗿𝗶𝗴𝗶𝗻𝗮𝗹 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝘃𝘀 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗔𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲

When a person reaches 65 years of age or experiences a qualifying medical event, they can sign up for Medicare. However, Medicare is not a one-size-fits-all health plan. There are several parts to original Medicare, as well as a combined option called Medicare Advantage, or Medicare Part C.

Both Medicare and Medicare Advantage will fund most basic health costs, including doctor's visits and hospital stays. The specific cost of each plan, as well as the out-of-pocket copays and other costs, vary.

Original Medicare includes Medicare Part A (hospital care) and Part B (medical care) only. People who want prescription drug coverage must purchase a Medicare Part D plan. Medicare Advantage often includes Part D, and may offer coverage for services original Medicare will not cover.

It's important to learn about the differences in coverage, cost, and care provider rules because these will impact how you decide which option is best for you. Get a free Medicare Plans review & the benefits you deserve!

Call us at 918-695-3411.

𝗛𝗼𝘄 𝗱𝗼𝗲𝘀 𝘁𝗵𝗲 𝗼𝗿𝗶𝗴𝗶𝗻𝗮𝗹 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲 𝗰𝗼𝗺𝗽𝗮𝗿𝗲 𝘄𝗶𝘁𝗵 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗔𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲 𝗽𝗹𝗮𝗻𝘀?

Original Medicare (Parts A & B) and Medicare Advantage (Part C) are two different ways to get Medicare benefits. Both options provide the same basic level of hospital and medical insurance but there are also important differences between them.

Original Medicare is managed by the federal government. Medicare is an American invention, created in 1965. You're able to go to most doctors enrolled in Medicare as long as they are accepting new patients.
This health insurance plan includes, part A, which is Oklahoma hospital insurance and the coverage generally includes care at skilled nursing facilities and sometimes nursing homes

Medicare Advantage plans cover all the above (Part A and Part B), and most plans also cover prescription drugs (Part D). Additionally, Medicare Advantage plans each offer extra benefits, which while they vary by plan and provider, may include coverage for dental, vision, hearing, fitness programs, rides to doctor appointments, and more.

For more info or a quote, call us at (918) 695-3411.