Do You Have
Medicare and Medicare
Are you turning 65? New to Medicare?
Or thinking about switching Medicare plans?
If you answered “Yes,” this web site is for you …
You may have questions like these:
- Will you need a Medigap policy, also called Medicare supplement insurance?
- What penalties can you face if you miss a deadline?
- Will you be able to choose your own doctor?
If you think Medicare is confusing, you’re not alone …
That’s why we’re here to help.
Hello — we’re Todd Bacon and Joshua Haberman. And Medicare is all we do.
Did you know? Medicare doesn’t cover everything. Without a supplemental policy, you may face financially crippling healthcare bills.
- your annual deductible ($1260 in 2015),
- your co-pay ($630 per day in 2015) if you are hospitalized beyond 90 days,
- any hospital stay beyond 150 days …
And Medicare Part B does NOT pay for:
- full cost of routine doctor visits
- prescription medication
- dental care
- glasses or hearing aids
- and Medicare Part B has a deductible ($147 per year in 2015)
That’s why almost all Medicare recipients over 65 have a supplemental policy — to pay the bills not covered by Medicare.
Unfortunately, not all supplemental plans are created equal – and there are more than 104 different plans in Minnesota. That’s why you need to get the facts.
Because, if you make the wrong choice, you may pay too much or miss out on the coverage you need …
As independent insurance experts in the Twin Cities, specializing in supplemental plans for seniors, we take more than 240 hours of training every year to master the details of the 104 plans available.
So, we’re experts in supplemental plans – we know the limitations and benefits of every policy. That means we can answer your questions and help you make the right choice.
Because we represent all major insurance carriers in Minnesota, we can shop around and negotiate for you, to help you get the right plan at the right price!
And you pay nothing extra for this personal service – our supplemental plans don’t cost a penny more than any plan you get from a big, impersonal insurance company.
Why not take the next step and contact us today for a FREE Medicare Answers Session?
You may not need a supplemental plan – and there’s no cost or obligation to find out.
We can meet at any location that’s convenient for you. Just email us or call 651-645-5763 today – call day or night. For a limited time, you’ll also get a free copy of our Special Report, Medicare Made Simple.
Contact us today to join Twin Cities seniors who say:
“I will admit that I had some real reservations about the whole process. But I was quite surprised when Joshua gave me access to a couple of policies that served me better than my previous policy and at a lower cost. I’m delighted.
“My wife and I both thought Joshua was very sharp, efficient, unfailingly courteous, and polite. He tries very hard to find out what our real needs are, then he finds the best way to meet those needs.
“Joshua is a very good person. We have recommended him to other people and will do so again.”
— Burt Ewing, New Brighton, Minnesota
“Joshua did a really good job of explaining Medicare. My wife and I consider ourselves pretty intelligent and able to understand government language, but Medicare was really complicated. Joshua explained what the different options are, he evaluated which plans would be most effective, and he provided us with the information that helped us.
“I liked the fact that we didn’t feel pressured. It was all our choice and his main concern was getting us the plan that did what we wanted. I would certainly recommend him.”
— Gordon Hess, Eagan, Minnesota
Remember, you may not need a supplemental plan – and there’s no cost or obligation to find out.
To schedule your FREE Medicare Answers Session at no cost or obligation, Send an email or call 651-645-5763 today – call day or night.
For a limited time, you’ll also get a free copy of our Special Report, Medicare Made Simple when you contact us. Contact us today!
Joshua Haberman and Todd Bacon
Independent Licensed Insurance Agents
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