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Medicare Agent in St. Petersburg, FL
Trying to pick a health insurance plan can be a chore for anyone. For many people, just mentioning the word "open enrollment" sends shivers down the spine. It seems like there's always a nagging feeling that you're wasting money, choosing a plan with poor in-network care, or both. One would think that health insurance gets easier as you approach retirement age, but the truth is that picking an initial Medicare coverage plan can be daunting.
Unfortunately, the confusing process of signing up for Medicare causes many seniors to forego healthcare coverage altogether. After all, Medicare enrollment can involve several federal agencies, including the Social Security Administration (or SSA) and the Centers for Medicare and Medicaid Services (or CMS).
At Senior Medicare Insurance Services, our passion is guiding seniors through the confusion of Medicare. That way, they can enjoy retirement with peace of mind knowing they are protected and ready for life after 65. We work with dozens of insurance companies, giving our clients the chance to choose a plan that best fits their lifestyle.
We choose to design our senior insurance plans with a focus on optimal benefits structure, lower costs, and personalized service. Some independent insurance agencies see their aging customers as nothing more than a financial transaction waiting to happen. In contrast, we treat each of our clients with respect and dignity as we help them navigate the confusing waters of Medicare. Combined with individualized service, we help older Americans make well-informed decisions about insurance. Whether you're in need of senior Medicare Supplement Plan insurance in St. Petersburg, FL or simply have questions about signing up for Medicare, our team is here to help.
- Helping Seniors Make Better-Informed Medicare Decisions
- What is Medicare?
- The amount of money you pay for your health care depends on several factors, including
- Senior Medicare Supplement Plan Insurance in St. Petersburg, FL
- Important Information About Senior Supplement Plan Insurance
- Medicare Agent in St. Petersburg, FL
- How Medicare Advantage Plans Work
- Medicare Advantage Plan Insurance Rules
- Paying for Your Medicare Agent
- The Senior Medicare Insurance Services Commitment
What is Medicare?
If you're approaching the golden years of your life, it's important you understand what Medicare is if you don't already.
Medicare is a federal health insurance program reserved for people older than 65 who have worked full-time for at least ten years. The Medicare program is paid for by a combination of worker payroll tax, premiums paid by Medicare enrollees, and the U.S. government.
There are four parts of Medicare:
This type of Medicare is free for most U.S. citizens. Medicare Part A helps older adults pay for care in a nursing facility, hospital visits, and some forms of in-home senior care.
This tier costs around $100 per month. It covers different outpatient services like lab tests, preventative care, doctor's visits, mental health care, clinical trials, and some forms of surgery.
This type of Medicare is most often called Medicare Advantage. This tier of Medicare allows seniors to choose health plans provided by insurance companies like Senior Medicare Insurance Services. Individuals who use Medicare Advantage commonly use Medicare supplement plan insurance to help pay for health care costs that Original Medicare won't cover, like coinsurance, deductibles, and copayments.
Sometimes called "PDPs," these plans add drug coverage to standard Medicare, some Medicare Private Fee-for-Service Plans (PFFS), some Medicare Cost Plans, and Medicare Medical Savings Account Plans (MSA).
The amount of money you pay for your health care depends on several factors, including:
- What kind of care you need, and how often it is needed.
- The type of Medicare coverage you choose.
- Whether there are alternative insurance policies that will help fill gaps in your coverage
- Whether a doctor agrees to charge you the same amount that Medicare will cover for a medical service
At Senior Medicare Insurance Services, we offer a number of health insurance solutions for seniors. Two of our most used services include Medicare Advantage plan insurance and Medicare supplement plan insurance.
Senior Medicare Supplement Plan Insurance in St. Petersburg, FL
Sometimes called Medigap, the purpose of Medicare Supplement Insurance is to help fill in "gaps" that might not be covered by Original Medicare. You can think of a Medigap policy as a supplement for your Original Medicare benefits.
Private companies like Senior Medicare Insurance Services sell this type of insurance right here in South Carolina. While Original Medicare will pay for much of the cost associated with health care services you need, it may not cover all of your expenses. Generally, Medigap policies do not cover costs stemming from eyeglasses, private-duty nurses, dental care, hearing aids, or long-term care.
Depending on the Medicare Supplement Plan that you choose, it may cover out-of-the-country medical services when you travel abroad. Assuming you have Original Medicare coverage, your policy will cover its share of Medicare-approved health care costs. Once your Original Medicare coverage reaches its limit, your Medigap policy will pay its share of the fees.
Our Medigap policies are drafted to meet your specific needs, and can help cover remaining health care costs such as:
Deductibles
Copayments
Coinsurance
Important Information About Senior Supplement Plan Insurance
To dispel some confusion, you should know that a Medigap policy is not the same as a Medicare Advantage Plan. The latter helps you receive Medicare benefits, while the former supplements the benefits you obtain through your Original Medicare plan. As you begin to explore Medicare Supplement Insurance Plans, keep the following important information in mind:
As you begin to explore Medicare Supplement Insurance Plans, keep the following important information in mind:
- To qualify for a Medigap policy, you must first have Medicare Part A and Medicare Part B.
- Payments on your Medicare Supplement Insurance Plan will be made to the private insurance company that you choose, like Senior Medicare Insurance Services. These payments are made every month and are paid in addition to the monthly payment you make for Medicare Part B.
- If you are the holder of a Medicare Advantage Plan, it is illegal for an insurance company to sell you a senior Medicare Supplement Policy. If you plan on switching back to an Original Medicare plan, you may be able to purchase a Medigap policy.
- If you have health problems as you age, your standardized Medigap policy is guaranteed to be renewable. So long as you pay your monthly premium, your insurance provider cannot cancel your policy.
- Medigap policies only cover one person. If you have a spouse or family member that would like coverage, they must purchase a separate policy.
- You may only buy a Senior Medicare Supplement Plan from an insurance agent that is licensed to sell them in your state. Senior Medicare Insurance Services has been licensed to sell Medigap policies in South Carolina for years. We have helped countless seniors get the Medicare coverage they need and continue to do so to this day.
- In the past, Medigap policies were able to cover costs related to prescription drugs. As of January 1st, 2006, prescription drug coverage is not available on Medicare Supplement Plans. The best way to get coverage for your prescription drugs is to join a Medicare Prescription Drug Plan, often called Part D. Contact our office today to learn more about paying premiums on Medigap and Medicare plans.
For many people, the best time to buy senior Medicare Supplement Plan Insurance in St. Petersburg, FL is during the 7 months Medigap Open Enrollment Period. This period starts the day you turn 65 years old, so long as you hold Medical Insurance (Medicare Part B). Generally, during the enrollment period, you get more policy choices and better pricing. Once the enrollment period is over, you may not be able to purchase a Medigap policy. Contact Senior Medicare Insurance Services today to determine if you qualify for a Medicare Supplement Insurance Plan.
Medicare Agent in St. Petersburg, FL
A Medicare Advantage Plan is a kind of Medicare health coverage designed to provide seniors with all their Part A and Part B Medicare benefits. Many Medicare Advantage Plans will often include coverage of the following:
- Preferred Provider Organizations
- Special Needs Plans
- Private Fee-for-Service
- Medicare Medical Savings Account Plans
- Health Maintenance Organizations
In addition, most Medicare Advantage Plans give seniors coverage for their prescription drug needs. When you enroll in a Medicare Advantage Plan through Senior Medicare Insurance Services, your Medicare benefits are covered through your plan and will not be paid for by traditional Medicare.
How Medicare Advantage Plans Work
Sometimes called "MA Plans" or "Part C," Medicare Advantage Plans are considered an "all in one" solution to Original Medicare. Senior Medicare Advantage Plans are only offered by private companies that are approved, like Senior Medicare Insurance Services. Seniors who enroll in a Medicare Advantage Plan are still on Medicare. However, these individuals enjoy bundled plans that give seniors the benefits of hospital insurance (Medicare Part A), medical insurance (Medicare Part B), and sometimes drug coverage (Part D).
Medicare Advantage Plans are very popular because they cover all Medicare services and make life a little easier for seniors who have trouble understanding the nuances of Medicare.
When you contact Senior Medicare Insurance Services to choose your Medicare Advantage Plan, ask your agent about Medicare prescription drug coverage. Unless you already have drug coverage (Part D), you should seriously consider Part D coverage to help reduce costs associated with prescription drugs. You may also want to consider a Medicare Supplement Insurance Plan to help fill gaps in coverage that Original Medicare will not cover.
Medicare Advantage Plan Insurance Rules
Medicare works by paying a set amount of money to the companies that offer Medicare Agent in St. Petersburg, FL. That money is used to pay for the care services that you need. Because Medicare Advantage Plans are different, you should expect out-of-pocket costs to vary depending on the plan you choose.
Different plans have different rules for how you receive services, such as:
If you must go to facilities, suppliers, or doctors that belong to your Advantage Plan for non-urgent and non-emergency care.-
Whether you must get a referral to see a specialized doctor
Companies that offer Medicare Advantage Plans must follow strict rules, which are set by Medicare and can change every year.
Paying for Your Medicare Agent
How much you pay for your Medicare Advantage Plan varies and depends on a few different factors. In most cases, if you need a kind of medical service, you will need to rely on the doctors and providers in your plan's service area and network to pay the lowest amounts. In some cases, if you choose to use a service outside of your plan's network of coverage, you may have to pay out-of-pocket.
We encourage you to contact our office today to learn more about Medicare Advantage Plans, how they work, what your options are, and how often you will have to pay out-of-pocket, if at all.
The Senior Medicare Insurance Services Commitment
Since our company was founded, we have led the insurance industry by providing our clients with the most valuable, helpful insurance solutions available. We are fully committed to our current and prospective clients by:
Choosing to focus on personalized, one-on-one service. When you work with our team, know that we will always design your health insurance plan with your best interests in mind.-
Listening to your specific needs. -
Responding to all inquiries and questions promptly and with a friendly attitude. -
Providing you with the best customer service in the senior health insurance industry, whether you have questions or are ready to move forward with a Medicare plan.
Our mission is to help give seniors the best Medicare assistance available so that they may understand the Medicare process and make an informed health coverage decision. We have the knowledge, skills, and experience to assist anyone interested in Medicare. Our personal goal is to become a lifetime resource for our clients and give them greater confidence in choosing their insurance plans.
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 82 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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Latest News in St. Petersburg, FL
DOKKEN, LYNCH MOB In St. Petersburg, FL With Photos!
Travis Faileyhttps://www.google.com/goto?url=CAESgAEB6zswFUz5hdXHW4PJov2GFNxT4Sjj6xOw4f1t0wtVFM-cTzEdXaqJGkKi4kKUNVVktsG39n_kgcYKTp0v4oR9LamXYxLicYSB1oSU6RuFEpShv9t9Kh9vjo2SIhMdLgOdHs_aHIMMEhLKirYExezJNr-xJxgmAaQauLXJtnf0jw
At Ferg’s Pavilion On August 22ndAll Live Photos By Travis Failey PhotographyIt’s May 27th 1988 and the first show of the biggest Hard Rock Festival is taking place in Alpine Valley Wisconsin. That’s right, the highly anticipated Monsters of Rock Festival is finally underway as KINGDOM COME, METALLICA, DOKKEN, and SCORPIONS are all on the bill with VAN HALEN headlining the show.There are so many things that I remember from that concert as it’s still one of the gre...
At Ferg’s Pavilion On August 22nd
All Live Photos By Travis Failey Photography
It’s May 27th 1988 and the first show of the biggest Hard Rock Festival is taking place in Alpine Valley Wisconsin. That’s right, the highly anticipated Monsters of Rock Festival is finally underway as KINGDOM COME, METALLICA, DOKKEN, and SCORPIONS are all on the bill with VAN HALEN headlining the show.
There are so many things that I remember from that concert as it’s still one of the greatest lineups I have witnessed. METALLICA played “Blackened” without any lyrics as they were still writing 'And Justice For All' and were on the cusp of being the biggest metal band in the world. VAN HALEN had some technical difficulties but were really strong. The SCORPIONS put on the best show out of all five bands and were completely on top of their game.
DOKKEN on the other hand were on the verge of collapse and the animosity between Don Dokken and the rest of the band was obvious as the opening notes of the first song in “Just Got Lucky” rang out from the stage. We watched from the 6th row as tensions between Don & George got more and more heated as the 10 song set continued. My friends and I talked and wondered if DOKKEN would be able to make the whole tour and they did but not more than a year later, they disbanded. They would reunite a couple times for various reasons, but old wounds would always resurface leading to Don, George, Jeff and Mick going their separate ways.
Why do I start my DOKKEN with LYNCH MOB review from Ferg’s Pavilion in Saint Petersburg this way you ask? Because on this hot muggy Saturday night 34 years later, former DOKKEN guitarist George Lynch will take the stage to perform the final three songs of DOKKEN’s set with his former frontman Don Dokken.
For the thousands of fans at Fergs’ including myself, this was the first time seeing the two of them share the same stage and play classic and fan favorite DOKKEN tunes together. How would this reunion work out? Well plenty of inquiring minds showed up to witness it firsthand.
George Lynch and LYNCH MOB took the stage and absolutely put on a rock show clinic for the hour they were on stage at Fergs. Their set was a “Best of Lynch Mob” set with only the instrumental “Mr Scary” coming from the DOKKEN catalogue.
On stage with Lynch was former GREAT WHITE and LAST IN LINE vocalist Andrew Freeman, Jaron Gulino on bass and the amazing Jordan Cannatta on drums. Cannatta plays like a complete beast on stage which is apropos as he has a little stuffed “Animal” toy from the Muppet show on his kit.
They opened with “No Bed Of Roses” and went right into “River of Love” and then “Sweet Sister Mercy” all from LYNCH MOB’s stellar debut album 'Wicked Sensation'. George looked and sounded great once again as he has been touring non-stop with different versions of LYNCH MOB and under the GEORGE LYNCH moniker the last five years with multiple stops in Florida. The video screen graphics were a perfect backdrop to the songs throughout the set and other bands should take a cue on how these were presented as they added another element to the show as a whole.
I went to many of those Lynch shows and not to take anything away from previous singers but Andrew Freeman truly seems like the best to handle the LYNCH MOB material. Freeman’s stage presence is intense and his voice is extremely powerful with amazing projection especially on “Hell Child” and “All I Want.” Freeman also picked up the guitar and shredded along with George and Gulino on “Machine Bone” from the most recent LYNCH MOB release in 'Dancing With the Devil'.
A LYNCH MOB set would not be complete without George taking center stage to perform his opus in “Mr. Scary.” As George shredded on his Gibson Les Paul, all eyes were on him except for mine as Cannatta was smiling and slamming the skins behind the kit. He did stick tricks throughout the set never missing a beat. He truly loves performing and his energy feeds into the crowd.
LYNCH MOB finished the set with “Wicked Sensation” of course and got a roaring applause from the crowd. All four members of the band and the crowd had smiles on their faces including myself, all though personally, I wish their set would have been a bit longer especially seeing what transpired next.
What happened next? As Tom Petty once wrote, “The Waiting Is the Hardest Part”, and wait we did. Don Dokken and his band were scheduled to take the stage at 9:30-9:45 at the latest but Don took an extensive amount of time at the Meet and Greet with him and the band finally taking the stage at 10:35. I get it, the fans pay big money for M&Gs but having long conversations with them while the other 1400 fans wait in an outdoor venue in Florida in August is selfish or Don at this point is just oblivious to what is occurring. The fans were pissed and let the band and Don know it prior to them starting their set with “Kiss of Death” from the classic 'Back For The Attack' album.
The band was really strong with long time guitarist Jon Levin handling the guitar duties. Levin has played with Don Dokken since 2003 and is a virtuoso in his own right. Such a strong player and he needs to be to handle the Lynch material and for the audience’s attention to be on him, bassist Chris McCarvill and drummer BJ Zampa and not on Don.
We all know that Don can no longer sing the material that made him renowned as one of the great singers and songwriters of the 80’s but he also struggles to stand on stage and move around. He sat on a stool for a lot of the set while performing DOKKEN classics like “The Hunter” and “Just Got Lucky” while mixing in more recent material in “Fugitive” and “Saving Grace.” Don also told extended stories and how songs like “Breaking the Chains” came about while he was in Germany.
I’ve never been very critical of bands and singers talking about songs during a show but you should really know your audience and to be able to read the room. A lot of people were just tired of waiting around and then listening to a vocal performance that was in all transparency, awful. If it wasn’t for Chris McCarvill handling the higher registers, and knowing that George Lynch would be taking the stage with Don to close out the set, I think everyone would have left the venue.
Prior to starting “Into The Fire” Don actually went so far as to mention that he had pictures of women and their private areas that he had been with in the past and to mention that is a bit shocking and completely uncalled for especially with a large amount of women in the crowd.
After a butchered version of “Alone Again” and finishing off the main set with “Too High To Fly,” George Lynch joined DOKKEN to a roar from what was left of the crowd to perform “In My Dreams” from the 'Nightmare On Elm Street 3' movie.
Just like on the aforementioned Monsters of Rock stage, Don looked annoyed at George from the jump as originally they were to play “Unchain the Night” first but Don changed the set and must not have provided George with the memo.
George took it in stride and smiled throughout the three songs which also included “Unchain..” and “When Heaven Comes Down.” Don’s bandmates were also all smiles while they played with George especially drummer BJ Zampa.
The crowd loved seeing George back on stage with Don as it gave them a blast from the past and a chance to relive some of their own history and wonder what could have been if DOKKEN would have stayed together at least for a little while longer in the 80s.
As we departed the venue, I felt bad for the fans who paid a lot of money for VIP etc but then again, anyone who knows anything about Don Dokken and his performances over the last 20 years, knows that he just can’t sing anymore, or at least not in the same key or range. All you had to do was watch one video and you would see and hear it. But once again, we all want to be taken back to a time when life was just a bit easier and when our lives were more in front of us then behind.
After some reflection, I also understand why Don still takes the stage while his body and his voice break down. Anyone who is an artist and people as a whole I believe, are looking for affirmation and there’s no other feeling to me than to be able to perform on stage and have the people in the crowd react to your art.
I don’t think he is doing it for money as Don has made a lot throughout his career and could sell the DOKKEN catalogue for a good chunk of change. But I also think that Don knows that the sands of time and performing are running very low and he needs to maximize while he can and that bringing George up on stage will sell a lot of tickets. A lot!!!
While Don and George may do additional shows together, it’s unfortunate but it’s time for Don and a few others in the genre we love to hang it up. We all have our peaks and valleys but when you’re the frontman and you have to rely on your bandmates to carry the show because you can’t anymore and the valleys are much larger with no more peaks, it’s time to step away.
Don is still a great songwriter and should focus on that and provide material to younger bands. It’s difficult to be honest with ourselves but it has to happen with everyone at some point in life and hopefully Don has that talk with himself soon. Even though this night at Ferg’s in Saint Petersburg may have left a bad taste in some people’s mouths, it will never take away from the legacy and the amazing songs and material we still love from Don, George, Jeff and Mick and we will still be………. ”Rockin' with Dokken” on our stereos for many years to come.
LYNCH MOB
DOKKEN
Popular West Coast Coffee Chain Planning St. Pete Location: Reports
Tiffany Razzanohttps://www.google.com/goto?url=CAESmgEB6zswFR_RWyOGxFufb6pg_2Q7Yh-jh-5_DDuwrHJdolK1v1DqJIPufobGRT7MkpxCti5ahzAbYOvEE9TMhy0OVSopwqPGqSYPK9zRNPsm8IAcQwj_MD3ZbUcWV-qpodnyeAGjgi8YzSgSTgey2ouwiCb1Wbkcl4Dhzy0xtItj9vUPOvMOE4XGMq2aBwjf5lhtm_UTnbsQyDad
A popular West Coast Coffee chain expanding across FL and the Tampa Bay area is planning a new location in west St. Pete, reports said.ST. PETERSBURG, FL — A West Coast coffee chain expanding across Florida is eyeing the greater Tampa Bay area, with a new location planned in west St. Petersburg, according to reports.Dutch Bros Coffee has filed plans with the city to open one of its signature drive-thru-only coffee shops, with no dining area, at 1050 58th Street N., in the Tyrone Gardens shopping center, St. Pete Rising ...
A popular West Coast Coffee chain expanding across FL and the Tampa Bay area is planning a new location in west St. Pete, reports said.
ST. PETERSBURG, FL — A West Coast coffee chain expanding across Florida is eyeing the greater Tampa Bay area, with a new location planned in west St. Petersburg, according to reports.
Dutch Bros Coffee has filed plans with the city to open one of its signature drive-thru-only coffee shops, with no dining area, at 1050 58th Street N., in the Tyrone Gardens shopping center, St. Pete Rising said.
The coffee shop will be built from the ground up at a site where a 25,041-square-foot building was recently demolished, the report said. Two additional outparcels will be built at the site.
This is part of the company’s rapid expansion in the Tampa Bay area, the Tampa Bay Business Journal said. The coffee chain is planning locations or has shops in all seven counties across the region.
Dutch Bros, founded in 1992 in Oregon with a headquarters in Tempe, Arizona, currently has 38 locations in Florida, six of them in the Tampa Bay region, the company’s website said.
Find out what's happening in St. Petefor free with the latest updates from Patch.
Tampa Bay-area coffee shops include locations in Lutz, Riverview, Wimauma, North Port, Largo and Tampa.
The Largo coffee shop opened on East Bay Drive in November as the first Pinellas County Dutch Bros location.
Another new location is also being planned for Seminole, the Tampa Bay Times reported. The Seminole City Council unanimously authorized the city manager to negotiate a development agreement to build a Dutch Bros at the site of a previously approved PNC Bank at 7405 Seminole Blvd.
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