Medicare Advantage Supplement Insurance
Before we begin, Bob Laukonis of My Golden Era is a licensed State of Arizona health insurance broker and is certified to represent every Medicare Advantage plan operating in Pinal County through 2015! If you are already a client, please contact him before enrolling in any plan for 2015.
I live in Casa Grande and provide high quality service to all my clients. My home phone is on my business card. There is no charge to my clients, for my services! I want to be your broker. I've been in this business for 10+ years! I'm also a member and lector of St. Anthony of Padua parish.
This web site is provided for general information purposes for those on, or nearly on medicare....
Annually, there are dates for enrolling into, as well as annual changes to benefits relating to Medicare Advantage insurance plans, including Part D prescription drug plans!!
Everyday, I witness total bewilderment of Medicare Recipients, with regards to the Requirements, Rules and Regulations presented by CMS/Medicare with regards to the many medical insurance products available to them. "I HAVE A MASTERS OR DOCTORATE FROM MY COLLEGE, AND, CANNOT SEEM TO GET THIS".
That includes Medicare Advantage Plans, Part D Prescription Drug Plans and Medicare Supplement Plans.
SPECIAL NOTE: Special Needs plans for Diabetes and CHF patients! Find out more here!
Attention Arizona Medicare Recipients!
There are some extremely restrictive marketing rules and regulations being put into place that are intended to protect Medicare Recipients from telemarketing and sales of these products, as well as to spell out “what can be said” as well as “what cannot be said or done” with regards to presenting and discussing the many plans available. Over the past few years, the rules are getting more strict from CMS, and must be adhered to by all brokers!
This is why "You must initiate the call or contact with the agent or company regarding what you want to discuss or know about." YOU SHOULD RECEIVE PHONE CALLS OR E-MAILS ONLY FROM YOUR EXITSTING BROKER, OR SOMEONE YOU'VE GIVING YOUR EXPLICIT PERMISSION TO. This should result in you not receiving phone calls regarding Medicare Advantage Insurance or Part D offerings. Of course, the many mail pieces you continuously receive will probably keep on coming. We’re here to help you to understand the many products presented. REMEMBER; You MUST generate the call!
NOTICE: A REQUIREMENT FROM CMS MANDATES THAT A SCOPE OF APPOINTMENT FORM BE COMPLETED BY THE MEDICARE BENEFICIARY, WHO WILL SELECT THE SUBJECT MATTER OF THE DISCUSSION OF EITHER OR BOTH: MEDICARE ADVANTAGE AND/OR PART D PRESCRIPTION DRUG PLANS! BY LAW, THIS IS A REQUIREMENT BEFORE A PRESENTATION OR DISCUSSION CAN OCCUR.
I am continuing my effort to be an advocate for seniors and Medicare recipients to ensure that they can obtain most healthcare coverage, for the least amount of money, without sacrificing benefits and insurance coverage.
Annually, each insurance company offering Medicare Advantage Products and Medicare Part D Plans, must submit their offerings for the coming year for review and approval by CMS/Medicare. Usually the plan benefit structure changes, relating to monthly costs (If any), co-pays, coinsurance amounts as well as benefit additions or deletions.
It is very trying for Medicare recipients to determine what the proper plan will be for the coming year, not knowing how other plans have changed and what they offer for the coming year, and whether or not a different plan may be necessary for their particular well being. ALSO, there are Special Needs Plans (SNP) for full AHCCCS clients with dental, vision and hearing coverage.
There are many concerns such as:
- “When can I make a change, if I feel I want to?”.
- “What happens if I want to change during “lock in”?.
- “I’ve jus tbeen diagnosed with a chronic illness, and, heard there may be some other plan available to me; and, I may be able to enroll at any time during the year.”
- “I didn’t sign up for Part D, and now I am locked out; what can I do, if anything?”
- “How do I find out if I qualify for extra help with a Medicare Advantage Plan?”
- “Where do I go the get help with my Prescription Costs?”
- “What is ICEP,AEP, and SEP AND MADP?
- What is a chronic illness SNP Plan?
Should you, or anyone you know have ANY QUESTIONS OR CONCERNS, even if you already have Medicare Insurance, please feel free to call me 520-421-9302, or, request information or an appointment by completing “CONTACT BOB LAUKONIS” request WITHIN THIS WEB SITE.
We respond and listen to any and all concerns; AND, if we don’t have the answer, will diligently attempt to find one, however, HIPPA privacy allows only certain areas we can work within to protect you and your family. We may only be able to direct you to where the answer is, however, sometimes that is a great help!
PLEASE REMEMBER THAT A SCOPE OF APPOINTMENT FORM MUST BE EXECUTED PRIOR TO ANY DISCUSSION RELATING TO MEDICARE ADVANTAGE AND/OR PART D PRESCRIPTION DRUG PLANS!!