Renee Lempert Medicare Insurance Broker
About Florida Medicare Insurance Broker Renee Lempert
- Renee Lempert has been a Florida Licensed, Life and Health Insurance Broker since 2006.
- She is currently licensed in Florida, North Carolina and Ohio.
- She represents multiple well-known National Insurance Companies that offer Medicare plans.
- However, the total focus of her business is to help her clients find and enroll in the best Medicare plans.
- She is licensed and appointed by multipled insurance companies to sell Medicare Supplement (Medigap) plans, Medicare Advantage Plans, Part D Prescription Drug Plans, and Dental and Vision Plans.
- She refers low-income clients to Florida SHINE to apply for financial aid programs such as Extra Help and Medicaid.
How She Helps You, Her Medicare Client:
Renee Lempert, Medicare Insurance Broker can help you find the best coverage for your needs.
The entire focus of Medicare Insurance Broker’s business is to help you, a Medicare beneficiary. As a result, she works hard to find the right Medicare Advantage or Medicare Supplement plan for you. In addition, her services are entirely free to you. That is because the insurance companies pay her a commission if you enroll in a plan.
Also, since Renee Lempert is an independent Medicare Agent, she doesn’t work for any insurance company. Therefore, her interests are aligned with yours. Even better, if you enroll in a plan and find it doesn’t work for you, we can change it.
Renee Lempert, Licensed health insurance broker, will help you Understand How Medicare A, B, C and D Work. That includes making sure you are eligible to enroll in Medicare.
If you are collecting Social Security, you will be automatically enrolled in Medicare A and B. On the other hand, you may have enrolled yourself online at ssa.gov or at a local Social Security office. Click her for the link to Sign up for Medicare A and B.
Getting to Know Your Medical and Prescription Drug Needs
After a thorough Analysis of your Needs, Renee Lempert, Medicare Insurance Broker will review the local plans. Then, she will complete a worry-free ennrollment for you.
There are multiple stand alone Medicare Part D, drug plans in your are. You may also want to get your drug coverage through a Medicare Advantage Plan with prescription drug coverage. Both of these types of plans are offered by well-known insurance companies. Medicare Agent Renee Lempert will find the plan with the lowest cost for your medications.
Your supplemental choices are either Original Medicare with or without a Supplement (Medigap) and with or without a separate drug plan, or an all-in-one Medicare Advantage Plan.(Medicare Part C). These are usually an HMO or PPO.
This is what you Need to Do to Enroll in Medicare Part A and/or Medicare B:
- If you want to receive Medical Insurance (Part B) through Medicare, you’ll need to enroll in Medicare Part B
- However, you can’t enroll in Medicare Part D. Once you receive your Medicare card, you can enroll in a Medicare Drug Plan.
- You can choice to enroll in: either a stand-alone drug plan or a Medicare Advantage plan with drug coverage included. (MAPD)
- Since Medicare A and B have gaps in their coverage, you should enroll in a separate plan to supplement them.
How Medicare Part D, Drug Coverage Works:
- Your annual costs include: a monthly premium, an annual deductible, copays or coinsurance for your medications.
- Every drug plan, has the same 3 Stages of Drug Coverage. These include the annual deductible, initial coverage, and the annual cap on your costs . In 2026, the annual cap will be $2,100. If you reach that amount, the insurance plan will pay the rest of your annual drug costs.
- In 2026, the annual deductible will be $615.00 Whether or not you are liable for the deductible, and how much of it, depends on the plan you enroll in.
- After the annual deductible stage, you will enter the initial coverage stage.
- During this time, you will pay a set copay for your medication or a percent called coinsurance.
- Medications covered by the plan are detailed in their Formulary or Drug list.
- Each drug in the plan’s Formulary is assigned a tier which determines its costs.
- It’s important that you learn the plan’s rules. That may save you money on your drug costs.
Why You Should Supplement your Medicare A and B Coverage:
- You will likely need to add drug coverage unless you receive it from another source such as the Veteran’s Administration.
- Also, there is no annual limit to what your Medical and Hospital costs may be.
- You have 2 ways to improve your Original Medicare coverage: The 1st way is you can add a Medicare Supplement plan. It is also known as Medigap and a separate drug plan. The 2nd way is you can enroll in a Medicare Advantage plan with or without prescription drug coverage.
How to Save Money on your Medicare Drug Costs
- Each year, drug plan costs changes, based on Medicare’s rule. You should review your drug plan each year to see if its still the best plan for you. That way, you can save money.
- It’s also important to read and understand the plans’ rules. As an example, these include preauthorization and quantity limits.
- If you don’t enroll in Medicare Part D when you are first eligible, you will incur a permanent penalty. As a result, your monthly premium will be higher if you do enroll in the future.
- There are dozens of plans in your area, with varying costs and benefits. It’s easy to save a great deal of money if you review and compare your plan to others. You can do this by working with a Medicare Insurance broker to compare plans.
Important Points You Need To Know:
- If you are enrolled in a Medicare Advantage Plan, the insurance company that manages your plan will send you a document around the end of September.
- Each year, before the Annual Enrollment Period Medicare Advantage and drug plans may change their coverage and costs.
- It’s called the Annual Notice of Change (ANOC) and it will compare the plan’s benefits and costs for following year.
- It’s important to review your plan during the Annual Enrollment Period with your Medicare Insurance Broker.
- If you don’t make any changes, your plan will automatically renew.
Medicare Health Insurance Broker will help you. There is never a fee for her services!
Read this article in Fortune.com about why you should use an Independent Health/Medicare Insurance Broker.
Do you have questions or would you like to enroll in a plan?
Call Renee (561) 704-9302
