Insurance for Seniors - Insurance for Seniors, LLC.
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Are you finding MEDICARE confusing?

 

You are not alone, we can help!

Part A, B, C, D, Medicare Advantage Plan, Medigap,
Supplement, Donut hole, co-payment, co-insurance,
deductible, premium, all terms you need to know!

 

ONE CALL TO EXPLAIN IT ALL!

We are a full service insurance agency, licensed to provide coverage to protect what you value most, no matter what that is.

We provide insurance on your Life, Health, Final Expenses, Home, and Auto as well as provide options for Fixed Annuities. Let us know

what we can do to help. We look forward to serving all of your insurance needs.

717-545-3360

 

TYPES OF INSURANCE WE OFFER

Medicare Advantage

MEDIGAP

Final Expense

Long-Term Care

Signing up for Medicare

In most cases, you have several ways to sign up for Original Medicare benefits.

  • Apply on the Social Security website. www.ssa.gov 
  • Visit your local Social Security office-NOTE this has not been an option for many months now, SSA has eliminated face to face meetings.
  • Call Social Security at 1-800-772-1213 (TTY: 1-800-325-0778)
  • If you worked for a railroad, call the Railroad Retirement Board at 1-877-772-5772
  • Complete an Application for Enrollment in Part B (CMS-40B)– If you have had an Employer Group Plan since the month of your 65th birthday.

 

What Is a Medicare Initial Enrollment Period (IEP)?

You can sign up for Medicare during your seven-month Initial Enrollment Period (IEP), which begins three months before you turn 65, includes your birth month and continues for another three months.

If you’ve turned 65 or within your IEP and are already receiving Social Security benefits, the Social Security Administration will notify you if you’ve been automatically enrolled in Original Medicare.

 

Original Medicare Part A and Part B

If you’re 65 years or older and are a citizen or permanent resident of the U.S., you’re likely eligible for premium-free Medicare Part A (hospital insurance), assuming that you paid enough Medicare taxes (10 years’ worth) while working. Medicare Part B (medical insurance) requires paying a premium, and you therefore have the option to decline coverage. However, if you decide later that you do want Medicare Part B, you may have to pay a penalty for as long as you have it. You may also be eligible to sign up during a Special Enrollment Period if you are eligible. If you don’t sign up during your Initial Enrollment Period and don’t qualify for special enrollment, you
can sign up for either Medicare Part A or Part B during a General Enrollment Period, which runs each year from January 1 to March 31. Keep in mind your coverage won’t begin until July 1 of that year, and you may be subject to late enrollment penalties if you wait too long.

 

When should you join a Medicare Advantage Plan
or Medicare Prescription Drug Plan?

The best time to join a Medicare health or drug plan is when you first get Medicare. Signing up when you’re first eligible can help you avoid paying a lifetime Part D late enrollment penalty. If you miss your first chance, generally you have to wait until fall for Medicare’s annual Open Enrollment Period (October 15–December 7) to join a plan. During this time each year, you can also drop or switch your plan coverage.

 

Disclaimer:

I/We do not offer every plan available in your area. Any information I/we provide is limited to the plans I/we do offer in your area. Please contact Medicare.gov or 1-800-Medicare to get information on all of your options.

Do you qualify for a Special Election Period?

Give us a call and we will research what is available for your Medicare coverage needs! Find Out Now!

“Always do the Right Thing.”

 We follow the “Golden Rule” to help you navigate through your health insurance, prescription drug (Medicare Options),

and all your insurance needs during your Golden Years!

Testimonials:

  • Steve has taken care of my wife and I when we were a bit lost in what we were looking for. His patience and expertise led us to the perfect plan that had made the most financial and logical sense that has taken care of our family. He's good people, and there aren't many like Steve left!

    Travis Swartz

  • Steve is very knowledgeable, easy to understand, provides practical advice and follows through. I highly recommend him.

    Alan Krasner

  • Steve was very informative. I learned a lot about Medicare and supplemental insurance.

    Stephanie Crumlich

  • Steve McNally is the ultimate professional! The best of everything you could want for insurance guidance and assistance. Thank you Steve for your expertise and courtesies.

    Grace Schuyler

  • Steve was extremely helpful with Medicare and associated policy enrollment, knowledgeable and articulate. With his help, what would otherwise be a confusing and frustrating process proved efficient and painless.

    Christine Arnold

  • Don’t know how I would have gotten through find a Medicare plan for myself, will be turning 65, and a affordable replacement plan for my mother without Steve’s help!

    Deborah Lowe

  • I highly recommend Steve McNally. He's friendly, informative, candid, patient, interesting, and very witty. My wife and I are so pleased we decided to use his services, and we plan on using Steve McNally's service in the future.

    Lawrence Bricker

  • Steve McNally is extremely knowledgeable regarding Medicare enrollment. He was clear and concise in explaining my options for Medicare and I feel confident going forward knowing he is available to answer questions. I have already recommended him to a friend.

    Pamela Crumb

  • Steve is a diligent and conscientious agent with my best interest in mind. He has earned my trust in the last several years, I only regret I do not have more business to give to him.

    Rick Way

  • Steve was fantastic, he made a complicated subject easy to understand. Highly recommend him.

    Mike Bangs

  • I highly recommend Steve McNally. He's friendly, informative, candid, patient, interesting, and very witty. My wife and I are so pleased we decided to use his services, and we plan on using Steve McNally's service in the future.

    Larry and Pat Bricker

  • If you are having trouble with your insurance plan and are over 65 this is the best place to go. I went to a couple other companies first but no one was able to figure out the perfect plan for me like Insurance for Seniors, LLC.

    Peter Smith

  • I needed help with my Medicare plan and the people at Insurance for Seniors, LLC. were quick, professional, and exactly what I was looking for. Thank you so much Insurance for Seniors, LLC. I will recommend you to all my friends and family!

    Albert Miller