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 If Medicare policies and choices seem complex and confusing you are not alone. I am a licensed insurance professional specializing in Medicare insurance products. I receive special training during each two year licensing period to be certified to talk to you about Medicare-related insurance plans.

In addition, in order for me to offer Medicare Advantage plans or Part D plans, I  must pass each carrier’s annual certification exams in order to be approved to represent that carrier’s products the following year. I certify for numerous carriers that offer these products each year.

My job is to help you make sense of your options, and then to keep you informed about Medicare changes and/or plan changes from year to year.

Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).

There are different parts to Medicare::

• Medicare Part A (Hospital Insurance)
• Medicare Part B (Medical Insurance) 
• Medicare Part C (Medicare Advantage Plans)Medicare Part D (prescription drug coverage)
• Medicare Supplement Plans ( A to F)

Please contact me to learn more about the when, what, why and how of Medicare

 Buying health insurance for individuals and families can be confusing and time consuming. I believe that empowering my clients with information about all possible choices provides for a long lasting relationship.

Individual/family health insurance can purchased two ways - On the WA state exchange ( also known as Obamacare) as well as off the exchange with some carriers.

The decision to pick a plan depends on several factors such as: your medical needs, the deductible and premiums that you are comfortable with, the doctors you'd like to see, prescriptions etc.

Health plan benefits change every year and it is very important to assess your plan during Open Enrollment to determine if any changes need to be made.

Please contact me if you'd like to find out more about enrolling in an individual/family health plan.

 Visitors Medical Insurance as well as Travel Medical Insurance are types of short term medical insurance that generally cover medical events that occur after the policy is purchased and when outside their home country.

It is important to keep in mind that many visitor plans do not cover pre-existing conditions. The few that do offer limited benefits based on age restrictions. Not all plans work in all states and it is important to pick a plan that is accepted in your state of residence.

Please contact me if you have any questions. If you would like to shop for visitor/travel plans please visit my portal at Travel/Visitor Plans

Please contact me if you need assistance or have questions.