All Benefit Agency exists so you won't have to worry about your Medicare insurance anymore.
If you are turning 65 soon or already have a plan, we’ll guide you through your initial enrollment. After that, we’ll help you sort through the dozens and dozens of new options each and every year to make sure you are saving on your healthcare costs, while keeping your preferred doctors and pharmacies.
We have thirty years of experience and work with many top quality carriers, which allows us to take an unbiased approach in finding solutions that fit you and your budget.
We offer quality solutions, in addition to guidance and support that is free of charge to you for the following types of Medicare insurance:
Cancer Insurance
Cancer coverage can help reduce the personal financial impact of the cost of fighting the disease and keeping up with everyday bills through that process.
Hospital Indemnity
These plans help you to pay for expenses that regular health insurance does not cover when you are hospitalized.
Final Expense
Final expense insurance is generally less than regular life insurane and helps you pay for your final expenses.
The Medicare Insurance Program
- Click for a Brief Overview
Medicare is the federal health insurance program for people who are 65 or older. The different parts of Medicare help cover specific services:
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services. Most people will pay a standard Part B premium which varies depending on income.
Medicare Advantage Plans (Part C) roll Part A & B into one plan and have several options that may provide more coverage than your original Medicare.
Medicare Supplements work together with your original Medicare to cover things like your deductible, co-pays and other out-of-pocket expenses.
Medicare Part D adds prescription drug coverage to your original Medicare
To sign up for original Medicare Parts A & B, along with Part D, most people will have an Initial Enrollment Period which is a 7 month period around the time they turn age 65. This period begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.
Once your Initial Enrollment Period is over, if you wish to change or purchase Advantage or Part D Plans, you must act during the open enrollment period.
Annual Open Enrollment:
October 15th through December 7th.
Note that you must already be enrolled in Original Medicare to purchase Medicare Advantage Plans, Supplement Plans or Part Plans.
MISS THE DEADLINE?
To purchase an Advantage Plan or a Part D Plan outside of the open enrollment period, you will need a qualifying event to be eligible.
- Special Qualifying Events
Qualifying Events
Once enrolled in Medicare, if you wish to change or purchase Medicare Advantage and Part Plans, you must act during the open enrollment period.
When open enrollment is closed, there are special circumstances in which one may qualify to enroll outside of the enrollment period. Listed below are the qualifying events:
- You are turning 65
- You move to a new area that is not in your current plan’s service area
- Recently moved back to the US
- You lose your current coverage (either Group or Medicaid)
- You now need a SNP (Special Needs Plan) or you no longer need a SNP
Why Choose All Benefit Agency?
Barbara Todd-Leffel had more than 20 years experience as a health insurance advisor/agent when she first learned, through her own experience with her parents, how complicated the Medicare program can be. It’s been 12 years since she helped her parents transition to Medicare, and ever since then she has dedicated herself exclusively to serving the Medicare Eligible Community – she knows more than the average agent and is passionate about helping clients with their Medicare benefits.
That passion is what sets Barb apart from other Medicare agents and is demonstarted in her willingness to educate and support clients in finding solutions that fit their unique needs.
Also, Barb works with and has developed strong relationships with all the major carriers, which she leverages to her clients’ advantage.
Contact Barb’s team
