See All Local Medicare Choices For 2022

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The Lober Group — Insurance Brokers

The Smart Way To See All The Plans In One Place!

Serving Baltimore & Surrounding Area Since 1985

My name is Jerry Lober, Click On My Photo To See My Qualifications.

I have been helping clients understand their Medicare Choices since 1985.

In 2013 I became a Medicare Beneficiary.

In 2018 I had a triple by-pass with a 6 day hospital stay at a cost of $60,000, My out-of-pocket costs totaled $1,200. Thankfully as a Broker I know which plans have the best value.

I Don’t Have Covid

It Doesn’t Matter What Medicare Plan You Choose

Any Plan You Pick Will Pay The Bill.

It’s Just Your “Savings Account That Will Suffer.

Money Saving Tips

If You Plan To Keep Working While On Medicare, Most Companies Will Let You Use Your Medicare Benefits Instead of Company Plan. Ask your HR person. Could Be Big Savings.

In my 38 years as A Certified Estate Advisor when you get closer to retirement, my advice has always been, you should purchase a health plan with a Low Premium and save the difference in a No Loss Investment to afford the Future Higher Costs.

Click Here For Safe Choices

What’s New For 2022 Medicare?

If You Currently Use The V.A. For Your Health Care, A New Company Has Designed A Plan To Complement Additional Benefits With A $0 Premium, That Puts Back $40 Per Month to Your Social Security Check, Plus Dental Coverage Up To $1,000 Annually and More.

For Additional Information Click Here

The Links Below Will Help Eliminate The Confusion!

Original Medicare Is Not What Many Think It Is”

If You Choose Original Medicare, You may be surprised. It is similar to a 80 – 20 Major Medical Plan that consists of Part A ( Hospital ) at ( No Monthly Charge ) and a deductible of $1,484.00

Note: The Part A deductible is not an annual deductible; it applies for each benefit period. A benefit period begins at hospital admission and ends when the beneficiary has been out of the hospital or skilled nursing facility (SNF) for 60 consecutive days.

But Wait… There Are Other Options: Part B Medical around $140 monthly (SSI) and a $203.00 annual deductible.

Don’t Forget: Part D Prescription Drugs: Premiums can cost up to $97 monthly plus deductible up to $445. For all Part D prices.

Click Here

The penalty for not joining Part D after 90 days

Click Here

Supplement Plans When Added To Medicare

The national average for supplement plans increase 4 to 6% annually.

Every Company Offering Medicare Supplement Products All Cover The Same Things At Different Coverage Levels & Prices. The Quality Of Care & Service Are Equal.

Click Here To See All 44 Company Plans.

Medicare Advantage Plans

The Newer Medicare Advantage Plans Have Other Benefits Not Provided Through Original Medicare With A Supplement.

Note: The Out Of Pocket Limits Are Not Paid First Like A Co-pay.

To See All Advantage Plans Click Here

For Additional Information Click Here

Medical Savings Account’s M.S.A.

“The Most Overlooked Medicare Plan”

“Popular With Snow Birds & Veterans”

The one nice thing about MSA’s is the premium you pay goes into your own account, earning interest not the Insurance Company’s pocket.

Click Here For Several Short Helpful Informational Videos.

What Plan Is Best For You?

It Depends On Your Current Health Care Needs.

All Plans Have Different Features And Cost.

We Don’t Push Any Particular Product, Just Information.

Click On This Medicare & You Book For More Detailed Information.

Contact Us With Questions Or Enrollment. 443-506-6755

Click To See Inside

looking forward to being your discount insurance broker to help you Keep More Of Your Money In Your Pocket. Plus Help Your children accumulate more wealth for their retirement.

One day you may have to live with them!

I Am Just A Phone Call Away, Call Monday through Saturday 9am – 5pm to Talk or set up an appointment. We don’t have to come to your home, enrollment can be done over the phone or internet.

Want To Stay Healthy In Retirement?

As We Get Older You Will Discover Aches & Pains You Never Had. New Break Through In Herbal Products That Could Slow The Ageing Process. Click Here

Click Here For Discounts From Local Dentist’s Near You

Questions? 443-506-6755