Medicare Specialist

Medicare Specialist I love helping people. I have been educating Medicare recipients on what their options since 2008! Medicare and so much more!

Assisting people in making the right choices through education is what I do. Assisting individuals and groups with all their health and life insurance needs as well as retirement and Social Security planning. Making the wrong choices can cost you thousands of dollars over the years. There is no cost or obligation for my services. Since 2008 I have been assisting Medicare recipients with their choi

ces and since 2014 have been assisting the under 65 market make the right decisions either on or off the Healthcare.gov Marketplace. I meet with people one on one - or you can attend one of my educational workshops.

10/01/2025

Open enrollment for Medicare is just around the corner. I have been helping individuals make informed choices about their insurance coverage since 2008. Would you like to know if your plan is changing in 2026? I offer FREE, no-obligation evaluations. Just give me a call at 1-941-842-0683 or email me at [email protected]

I love helping people. I have been educating Medicare recipients on what their options since 2008!

Open Enrollment is just a few days away, need help?  There are a lot of changes happening in 2025.  Be in the know!
09/28/2024

Open Enrollment is just a few days away, need help? There are a lot of changes happening in 2025. Be in the know!

07/20/2024

Good News! Part D (Rx) coverage is getting improvements in 2025

CMS is detailing improvements to the structure of the Part D drug benefit for Coverage Year (CY) 2025 that will result in lower drug costs for millions of people. Thanks to the Inflation Reduction Act, in 2025 annual out-of-pocket costs will be capped at $2,000 for people with Medicare Part D.

Overview of Changes to the Part D Benefit

A newly defined standard Part D benefit design consisting of three phases: annual deductible, initial coverage, and catastrophic coverage - The coverage gap (donut hole) is eliminated.

A lower annual out-of-pocket (OOP) threshold of $2,000.

The establishment of the Manufacturer Discount Program.

Medicare Prescription Payment Plan
For the first time, beginning in 2025, the prescription drug law, known as the Inflation Reduction Act, requires all Medicare prescription drug plans (Medicare Part D plans) — including both standalone Medicare prescription drug plans and Medicare Advantage plans with prescription drug coverage — to offer enrollees the option to pay out-of-pocket prescription drug costs in the form of capped monthly payments instead of all at once at the pharmacy.

Open Enrollment begins October 15th and runs through Dec 7th. If you would like to review your coverage for 2025, please let me know!

I appreciate your business! Karen

05/16/2024
04/10/2024

Happy to announce that I have teamed up with an inovative new Insurance Broker, USA Benefits Group. It has expanded my offerings to much more than Medicare. I now have a number of options (other that the Marketplace) for those of you who are under 65. For a FREE no obligation quote, please give me a call! I look forward to trying to save you money.

03/28/2024

I love helping people. I have been educating Medicare recipients on what their options since 2008!

03/28/2024

I'm thrilled to share some exciting news with you all. I have recently partnered with USA Benefits Group, a prestigious nationwide Insurance Broker. This collaboration marks a significant milestone in my insurance journey.

With this new affiliation, I'm pleased to inform you that we now have access to an expanded array of health insurance options tailored for both individuals under and over 65. Moreover, our partnership grants us access to a dedicated support team, enhancing our ability to serve clients effectively.

For those residing outside Florida, rest assured that even if I'm not licensed in your state, I can readily connect you with a licensed professional from our extensive network.

Kindly note, I have updated my email address and launched a new website at https://usabg.com/kgerner. While my previous email ([email protected]) remains active, I encourage you to use the new email for smoother communication, as the former tends to receive a high volume of emails, potentially causing yours to be overlooked.

For prompt responses, texting is often the most efficient means of communication.

If you wish to opt-out of receiving emails from me, simply reply with "remove," and I will promptly honor your request.

As always, I remain dedicated to providing unparalleled support and assistance. Should you have any queries or require assistance, please don't hesitate to reach out to me at your convenience.

If you or anyone you know is struggling with finding the right insurance at the right price, please send them my way. I now have options other than the ACA (Obamacare) for people under the age of 65. I really appreciate your support in advance.

Warm regards,

Thank *´¨)
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(¸.·´ (¸.·´ * You*

Karen Gerner, Licensed Agent

Medicare * Finances * Groups * Life * Long Term Care

I love helping people. I have been educating Medicare recipients on what their options since 2008!

Changing brokers, now not all options I offer are listed, but if you are looking for Medicare plans I can help!
07/27/2023

Changing brokers, now not all options I offer are listed, but if you are looking for Medicare plans I can help!

Medicare insurance can seem complex on your own. We’re here to help! Medicareful is an easy-to-use Medicare plan finder that compares some of the available plans in your area and connects you with a licensed sales agent who will guide you through enrollment. Whether it’s a Medicare Supplement, M...

How can a Devoted Health Medicare Advantage plan help you save? It’s all in the extras—FREE dental, money for over-the-c...
07/17/2023

How can a Devoted Health Medicare Advantage plan help you save? It’s all in the extras—FREE dental, money for over-the-counter items, and MORE.

Call me at 941-408-3028 to learn more.

Address

S Grandview Avenue
Daytona Beach, FL
32118

Telephone

+18009418077

Website

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