Medicare Insurance

Becoming eligible for Medicare should not cause anxiety or stress. However, many seniors become overwhelmed as their mailboxes flood with Medicare plan options.  With so many different insurance companies, plans, and pricing options to choose from, many individuals seek our professional advice to help make sense of it all.

Our President, Eric Landis, has been helping clients with financial services for over 30 years. Currently, Landis Financial Advisors, Inc. has over 1,400 Medicare Insurance clients in the greater Lancaster County, York County and surrounding areas. Eric personally trained his team of advisors to ensure each client has a consistent experience when meeting with any of our advisors. Armed with a wealth of knowledge, we assess your healthcare needs and individually meet with each client to help choose a Medicare Supplement, Medicare Advantage and/or Medicare Part D Prescription Drug Plan.

Daven Akimori reviews the Medicare Insurance plan year changes with clients, Connie Stauffer and Orie Grove.

Our goal is to help you choose a plan with the benefits you need at the most economical price.

This material contains only general descriptions and is not a solicitation to sell any insurnace product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or sutiations, contact your insurance agent. In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs. 

How Can Working With Us Benefit You?

Getting Started With Us

  • SCHEDULE AN APPOINTMENT - Call our office 717-208- 6990  and ask for Tracy to schedule an appointment with one of our Insurance Advisors.

  • DETERMINE IF IT'S TIME - Based on your personal set of circumstances, our experienced advisors will be able to determine when you should begin the process.

 

  • SIGN UP FOR PARTS A & B - We can assist with signing up for Medicare Parts A and/or B at our office - which is necessary in order to purchase a Medicare Advantage, Medicare Supplement or Medicare Part D Prescription Drug Plan.

 

  • EDUCATE YOU - Your personal appointment will last about an hour. Our advisors will patiently review important things you need to know. We explain available health insurance plans to help match your needs with the benefits you desire at the lowest cost. We help you make an informed decision. Don't worry, we always leave plenty of time to answer any questions. We'll also talk about why some agents don't reveal all of your available options. 

 

  • SECURING COVERAGE - We will help you apply for the coverage you desire and follow through until your coverage is in place. 

 

  • YOU CAN RELY ON OUR KNOWLEDGEABLE STAFF YEAR-ROUND - Securing coverage is just the beginning. You will be able to rely on our help and advice throughout the years. When our clients have questions, they call us. Did you ever try to reason with a claims department? How about wait on hold forever to find out if a procedure is covered or try to handle a billing issue . ..  and still not end up satisfied!??? Our highly-trained staff is available for you year-round - leaving you free to enjoy life!

 

  • ANNUAL REVIEWS - Medicare insurance providers may make changes to their Medicare Advantage and Medicare Part D Prescription Drug Plan benefits. Each year, during the Annual Election Period, our advisors inform clients of any changes to their plan. We research new plans that become available and provide our clients with follow-up meetings to reevaluate and make changes when favorable. 

Medicare 101

Medicare

Supplements

Medicare Parts A and B, also known as Original Medicare, is managed by the Federal Government and generally covers about 80% of your health care services.  There are “gaps” that original Medicare does not cover like certain co-payments, coinsurance, and deductibles. There is no limit to your out-of-pocket costs with Original Medicare. You may want to meet with our licensed Medicare insurance agents to assist you in purchasing a Medicare Supplement Plan (Medigap policy) through a private insurance company to help pay for health care costs not covered by Original Medicare such as co-payments, co-insurance, deductibles. If you travel, we can help you purchase a Medicare Supplement Plan that will provide healthcare for emergencies while outside the USA.

 Medicare Advantage Plans - Part C 

Medicare Advantage Plans are also offered through private insurance companies approved by Medicare.  These plans are different from a Medicare Supplement Plan, but does provide coverage for approved Medicare Part A and Part B services. In addition, many of the Medicare Advantage Plans we offer even include Medicare Part D - Prescription Drug coverage.  Some of these plans also have additional benefits like routine vision, dental, and hearing coverage as well as gym and fitness facility memberships. There are an overwhelming number of plans to choose from. Our advisors will take time to educate you regarding your various options. Based on your needs and budget we will make recommendations to help you get the benefits you want at the lowest cost.

Prescription Drug Plans - Part D

Prescription Drug coverage is not included under Part A or Part B of Original Medicare.  If you have Original Medicare or purchase a Medicare Supplement, our knowledgeable Medicare Insurance agents will offer guidance to also help you choose a Medicare Part D Prescription Drug Plan.  We represent an array of companies that offer stand-alone Medicare Part D Prescription Drug Coverage. To avoid incurring a permanent penalty, you will need to maintain creditable prescription drug coverage after your initial election coverage period whether you take prescription drugs or not.

Experienced and Local

We are a family-owned company located in Lancaster, PA. When you contact us at 717-208-6990, Monday – Friday 8am – 5pm, your call is promptly answered by a live person. We have a team of advisors who meet with clients and a knowledgeable support staff available to answer your questions and service your needs throughout the year. For individuals who work during the day, we offer evening appointments. If you are home bound, we will come to

your home for an appointment. 

We Can Help Save You Money

Since we are Independent Insurance Advisors, we are not limited to only offering products from one company. We are licensed with many top rated insurance companies and thoroughly review available plans each year. This allows us to offer clients the most favorable plans from an array of Insurance Companies to better match the benefits you desire at the lowest cost available. We are careful not to recommend coverage for extra items you may not need or won't utilize.

There Is No Cost to You for Our Services

Our advisors will take as much time as necessary to meet with you and will never be charged a fee for our Medicare Insurance Services. If you choose to purchase your Medicare Insurance through our office, the insurance company will compensate us. You will not be charged more for your Medicare Insurance by utilizing our services; your cost will be the same as purchasing it directly from an insurance provider- that's the law

We Reduce the Stress of Shopping for Medicare

Navigating through the Medicare Insurance process successfully requires experience and knowledge. We have found that individuals who attempt to self-study Medicare or listen to their friend's advice or meet with an inexperienced agent, put their health insurance coverage and wallet at risk. Experience our professional services and realize there's no need to look elsewhere. As one of the largest writers of Medicare Insurance in Lancaster County*, we are committed to working in your best interest.  Our goal is to have life-long clients - not to make a one time sale! 

*based on placing in the top 20 of 450 actively producing Medicare agencies in PA for 2017 & 2018.

You Will Never Be Pressured

Our Medicare Insurance Representatives are very knowledgeable in the areas of Original Medicare, Medicare Advantage Plans, Medicare Supplement Plans and Medicare Part D- Prescription Drug Plans. When you shop for Medicare Insurance with us, our advisors will provide you with the information you need to guide you to an informed decision. We help you make the choice that's right for you. You will never have to deal with pressuring sales tactics when you work with us.

We Can Help You Determine Proper Timing - Avoid Costly Mistakes

1. When should I sign up for Medicare Part A, Part B and Part D?

Everyone's situation is different; so based on your individual set of circumstances, our advisors will be able to answer this question with ease. Making the wrong decision can be costly. That's why we encourage you to call our office to speak with one of our knowledgeable advisors.

2. Should I stay on my employer's group health plan or go on Medicare and purchase a Medicare Supplement and a Part D Prescription Drug Plan or a Medicare Advantage Plan?

Our advisors work with your employer's benefits department to obtain a copy of your group insurance benefits as well as the cost you are incurring for the coverage and then help you compare to understand why you should OR should not elect Medicare right away. If it is in your best interest to go on Medicare, we will guide you through the process. However, if it is in your best interest to remain on your employer's group health plan, we will recommend you wait to elect Medicare and come see us at a later date.

We Can Help You Avoid Unnecessary Penalties

Choosing Medicare Insurance should require a label that says, "Requires Professional Advice - Do Not Attempt On Your Own." It is amazing how many people are misinformed regarding penalties. If there was a simple way to describe all the scenarios involving penalties, we would include it here. However, one of the easiest ways for you to know if you need to act is to call us well in advance. Based on your personal set of circumstances, our advisors will be able to provide you with the guidance necessary to aiming avoid permanent life-long penalties. 

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Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: PA, NY, NJ, MD, DE, OH, VA, FL, NC, TN, TX, KY, ME, CA, IL, MI.

 

© 2017 Landis Financial Advisors, Inc.