A seasoned insurance and financial services professional with home office sales, service and sales management experience since 1980. I would like to invite you to a short introductory video to learn more about how I can help you navigate the medicare space. I have an excellent track record of delivering results, especially when working with seniors.
I am very fluent in all aspects of insurance. I am also a registered tax preparer helping people for over 30 years. I have studied business and accounting at The American College of Bryn Mawr, PA and The College of DuPage, Glendale Heights, IL. I have participated in countless industry and company educational events and seminars as well as Federal and State required continuing education and company re-certification courses.
I am an expert in Medicare and I can help guide you through this maze. I am also very well versed in many other elder issues including social security and retirement planning. Bernie will listen to your needs and work diligently to help you discover the plan that works best for you.
I am very fluent in all aspects of insurance. I am also a registered tax preparer helping people for over 30 years. I have studied business and accounting at The American College of Bryn Mawr, PA and The College of DuPage, Glendale Heights, IL. I have participated in countless industry and company educational events and seminars as well as Federal and State required continuing education and company re-certification courses.
I am an expert in Medicare and I can help guide you through this maze. I am also very well versed in many other elder issues including social security and retirement planning. Bernie will listen to your needs and work diligently to help you discover the plan that works best for you.
Services
Most people become eligible for Medicare when turning 65.
If you are already taking Social Security benefits when you turn 65, then you will most likely get a Medicare card 3 months prior to the month of your 65th birthday, automatically.
Your Medicare benefits start the 1st of the month of your 65th birthday.
If you are not taking Social Security benefits when you turn 65, then you will need to request the activation of your Medicare benefits.
You usually don't pay a monthly premium for Medicare Part A (Hospital Insurance) coverage if you or your spouse paid Medicare taxes for a certain amount of time while working.
If you are already taking Social Security benefits when you turn 65, then you will most likely get a Medicare card 3 months prior to the month of your 65th birthday, automatically.
Your Medicare benefits start the 1st of the month of your 65th birthday.
If you are not taking Social Security benefits when you turn 65, then you will need to request the activation of your Medicare benefits.
You usually don't pay a monthly premium for Medicare Part A (Hospital Insurance) coverage if you or your spouse paid Medicare taxes for a certain amount of time while working.
Beginning in 2014, all new individual and family health insurance plans must meet the Affordable Care Act (ACA) standards, known as Obamacare.
Insurance is still purchased through the same private insurance companies that you're used to, but now all plans must meet essential benefit guidelines set forth by the ACA.
Plans are no longer allowed to underwrite for health conditions, which means you cannot be denied or charged a higher premium based on pre-existing conditions.
The new platform has simplified the application process in some ways, but made it much more complicated in others.
Insurance is still purchased through the same private insurance companies that you're used to, but now all plans must meet essential benefit guidelines set forth by the ACA.
Plans are no longer allowed to underwrite for health conditions, which means you cannot be denied or charged a higher premium based on pre-existing conditions.
The new platform has simplified the application process in some ways, but made it much more complicated in others.
Our mission is to offer individuals, families and businesses a lifetime strategy to reach their financial goals.
We have partnered with a team of financial planners that have more than five decades in the financial services field.
When it comes to protecting your loved ones, your business, and your retirement income, there is little room for error.
We've reviewed many, many portfolios that have not been properly implemented or updated, resulting in a potential significant loss of principal and/or income.
We have partnered with a team of financial planners that have more than five decades in the financial services field.
When it comes to protecting your loved ones, your business, and your retirement income, there is little room for error.
We've reviewed many, many portfolios that have not been properly implemented or updated, resulting in a potential significant loss of principal and/or income.
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