The Medicare Man has your key to peace of mind! Specializing in: -Medicare Advantage Plans -Medicare Supplemental Insurance -Long Term Care Insurance - and more. Ryan was very thorough and helpful with all the plans and it made the decision a lot easier for me. I recommend him to anyone going on Medicare or wanting to make a change. If you are approaching age 65 or are/considering retiring, there is a lot to think about when it comes to your Medicare insurance choices.
There is a great deal of info that you get bombarded with whether it be mail, tv ads, phone calls, opinions etc. This can easily be very overwhelming and confusing to many. That's exactly why we are here! A LOCAL Licensed Broker who specializes in Medicare Supplements, Medicare Advantage plans, Part D and other senior insurance products. Believe it or not there is an easy explanation to the Medicare maze!
Yes you read that correctly. Call 314-368-6808 to help you make the right decision at no cost ever!
There is a great deal of info that you get bombarded with whether it be mail, tv ads, phone calls, opinions etc. This can easily be very overwhelming and confusing to many. That's exactly why we are here! A LOCAL Licensed Broker who specializes in Medicare Supplements, Medicare Advantage plans, Part D and other senior insurance products. Believe it or not there is an easy explanation to the Medicare maze!
Yes you read that correctly. Call 314-368-6808 to help you make the right decision at no cost ever!
Services
Ryan Raphael is the owner/broker of Senior Insurance Benefits LLC, here in the greater St. Louis area and is known as the "Medicare Man".
He has been in the insurance business since 2003 specializing in the senior market.
He is licensed in both health/life and has helped thousands of people in both Missouri and Illinois with their important insurance needs.
Being a broker for so many companies, one of the most important things to Ryan is that a person always chooses a plan tailored to fit their individual needs and budget.
He has been in the insurance business since 2003 specializing in the senior market.
He is licensed in both health/life and has helped thousands of people in both Missouri and Illinois with their important insurance needs.
Being a broker for so many companies, one of the most important things to Ryan is that a person always chooses a plan tailored to fit their individual needs and budget.
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).
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care and hospice care.
There is no monthly part A premium for most people who have 40 or more quarters of Social Security credits (about 10 years of full-time work with 4 quarters per year) and who are eligible for Social Security or Railroad Retirement benefits.
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care and hospice care.
There is no monthly part A premium for most people who have 40 or more quarters of Social Security credits (about 10 years of full-time work with 4 quarters per year) and who are eligible for Social Security or Railroad Retirement benefits.
Generally, you reach Medicare eligibility if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years or older and a citizen or permanent resident of the United States.
If you are not 65 yet, you might also qualify for coverage if you have a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant).
If you are turning 65 and you're already getting benefits from Social Security or the Railroad Retirement Board (RRB), you'll automatically get Part A and Part B starting the first day of the month you turn 65.
If you are not 65 yet, you might also qualify for coverage if you have a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant).
If you are turning 65 and you're already getting benefits from Social Security or the Railroad Retirement Board (RRB), you'll automatically get Part A and Part B starting the first day of the month you turn 65.
Ryan Raphael knows that when you are approaching age 65 or are/considering retiring, there is a lot to think about when it comes to your Medicare insurance choices.
There is a great deal of info that you get bombarded with whether it be mail, tv ads, phone calls, opinions etc.
This can easily be very overwhelming and confusing to many.
That's exactly why we are here!
We will help make sense of all of it!
Believe it or not, there is an easy explanation to the Medicare maze.
Yes you read that correctly.
There is a great deal of info that you get bombarded with whether it be mail, tv ads, phone calls, opinions etc.
This can easily be very overwhelming and confusing to many.
That's exactly why we are here!
We will help make sense of all of it!
Believe it or not, there is an easy explanation to the Medicare maze.
Yes you read that correctly.
A Medicare Advantage Plan (sometimes called part C or MA plan) is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits.
Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans.
If you're enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare.
Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans.
If you're enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare.
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