insider tips 

some people when joining at 65 who are in good health will purchase 

an advantage plan to invest the premium difference in a safe investment.

they use the growth to offset future expenses.

there are over 40 companies that offer medicare supplements.

they all offer to do the same thing ( pay deductibles & co-pays )

average yearly price for top plans $2,250 including drug plan.


If you pick an advantage plan, the average annual fee including drugs

could be as low as $400.

if you have children, talk to them about our income 4 life plan.

some day you may have to live with them.

we are here to help you pay less for all your insurance needs.

call 443-506-6755

understanding medicare enrollment periods

Initial Enrollment Period: (IEP) The seven month period surrounding an individual's 65th birthday, during which they are eligible to sign up for original Medicare, Medicare Advantage and Medicare Supplement plans regardless of health. 

Annual Enrollment Period: (AEP) A yearly enrollment period that runs from October 15 - December 7 for Advantage Plans. 

Open Enrollment Period: (OEP) from January 1 - March 31, individuals can make one change between Medicare Advantage Plans or swap from a Medicare Advantage Plan back to Original Medicare.

Special Enrollment Period: (SEP) An enrollment period dependent on specific conditions, such as loosing health coverage or being affected by a declared emergency like a hurricane or earthquake.

Medicare Dual Enrollment: Many people who qualify for Medicaid may also qualify for Medicare before they turn 65.​​

want a licensed agent to see you personally to go over your medicare choices,

common sense, creative ways

to make your money last longer?

just fill in below request form.

ask for jerry lober 

call 443-506-6755

​Click cover To See Inside

my name is Jerry Lober certified estate advisor

we take the confusion out of medicare choices!

click on my picture to see my stats.

 there are only 2 choices

  original Medicare, is similar to having a major medical plan.

you pay the initial deductible  $1,408  then a copay of 20%.

you can receive coverage from any doctor in the country

who accepts medicare.

you can also purchase a supplement plan to fill in the gaps click here

it consists of 2 parts:  hospital, part "a" and doctor, part "b".

*note: in addition you will need to sign up for part d drug plan.

 The Newer Medicare Advantage Plans, which can be an HMO, PPO, PFFS, SNP or MSA and

May Include Drugs And Many Other Services Not Covered By original medicare.  

These Plans Usually Have A Lower Premium Cost But Have Co-Pays and Deductibles With A Maximum Yearly Out-Of Pocket Cost  And Many Other Features Not Found In Supplement Plans Like Vision, Hearing Aids, Prescriptions, Annual Check-ups, ETC.

Some plans require you to only see doctors in plan except in an emergency. 

( click here To Compare Advantage Rates )​