Medicare

We can guide you through the Medicare Choices

Medicare offers a host of benefits but many people don’t make the most of them because of all the confusing options, regulations and rules.

We at Liberty guide you through the Medicare Choices showing you what is to your advantage, what to steer clear of and what may be the best choices for you.

Our personal approach to Medicare, as with all our services, is to go the extra step to help our clients. That’s why; in addition, we offer something truly special to our Medicare clients:

Liberty ‘s Medicare Legal Ombudsman Service We know you have many questions about medicare. So in addition to the financial advice we give, we offer you a complimentary consultation with our Medicare Legal Ombudsman. He can answer legal questions you might have concerning your medicare coverage.

In our meeting with you, we go over the important choices you need to consider, including:

Medicare Advantage

You have the option to select an approved private company to handle your Medicare. Medicare pays a fixed amount for your care every month to companies offering Medicare Advantage Plans.
These Medicare Advantage Plans provide all of your Part A (Primary Insurance) and Part B (Supplemental Insurance) coverage and may provide additional benefits, like health and wellness benefits, that Original Medicare doesn’t cover.

There are number of different kinds of plans and organizations providing Medicare Advantage, including:

  • Health Maintenance Organizations (HMOs)
  • Preferred Provider Organizations (PPOs)
  • Point of Service (POS)
  • Private Fee-For-Service (PFFS)

We’ll answer all your questions about Medicare Advantage, and go over the best choices.

Medicare Part D

The cost of prescription drugs has skyrocketed. Medicare Part D is coverage designed to help you meet the cost of prescription medications. It is important to select a Medicare drug plan when you’re first eligible, otherwise you will likely pay a late enrollment penalty.

There are two ways to get Medicare prescription drug coverage:

  • As a standalone Prescription drug plan added to Original Medicare and your Medicare Supplement plan
  • As part of a Medicare Advantage Plan

Medicare Supplement Plans

Medicare is an excellent service, but there are gaps in coverage – areas that Medicare does not cover that may be important to you.

Medicare Supplement (“Medigap”) Insurance is health insurance offered by private insurance companies to provide additional coverage and cover some of the “gaps” in expenses that are not covered by Medicare.
Medigap helps reduce or eliminate money paid out of pocket for care received (deductibles, co-pays, and coinsurance). Some Medigap policies also provide additional benefits such as at-home recovery care, foreign travel and emergency care.

There are twelve standardized plans to choose from. We go over the benefits of each Medigap plan and help you find the one that is the best supplement to your Medicare policy.

There is no need to be intimidated by all the choices, regulations and rules of Medicare and Medigap. We will help you every step of the way to make sure you have the coverage and protection. And if you have any legal questions concerning Medicare, we invite you to take advantage of our Medicare Legal Ombudsman Service.

Remember – if you have questions about Medicare, you’re not alone. We are here to help and guide you so you can make the most of Medicare. You deserve it. Call us today at 866-278-0280

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MISSION STATEMENT

At Liberty Financial Group our mission is to provide you with the most options so that you can confidently make the right decision. We are dedicated to helping you make the best choice based on your individual situation. Many people often complain about lack of time when lack of direction is the real problem.

Let us provide you with that direction because we know to be prepared is half the victory.

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