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Clear Benefits Advisors, Medicare EASY, Health Insurance Brokers

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Clear Benefits Advisors, Medicare EASY, Health Insurance Brokers

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Medicare Health Insurance Brokers for retirees, individuals & small businesses | No consultation fee

My mission is to make the complexities of Medicare Health Insurance easy and to give my clients confidence that they have decided on the right plan for their budget and unique needs.

11/03/2026

Smoked for decades? Quitting can still make a difference, and you don’t have to do it alone. The human body starts repairing itself almost immediately—within 20 minutes your heart rate and blood pressure drop, and within 12 hours carbon monoxide levels return to normal.

Medicare Part B covers up to 8 to***co cessation counseling sessions in a 12-month period (4 visits per quit attempt) at no cost when your provider accepts Medicare assignment. It also covers annual Low-Dose Computed Tomography (LDCT) lung cancer screenings at $0 out-of-pocket for individuals aged 50–77 with a 20 pack-year smoking history who currently smoke or quit in the last 15 years. Early detection boosts 5-year survival rates to 65%, compared to just 10% when caught late.

Talk with your doctor about a quit plan and whether screening is right for you. Talk with us about your coverage.

11/02/2026

Another year, another pumpkin that successfully avoided becoming a jack-o'-lantern. 🎃

11/01/2026

As the days get shorter and the leaves begin to fall, it’s a good time to look ahead—not just to the season, but to your healthcare coverage, too.

Medicare’s Annual Enrollment Period runs through December 7, giving you time to review your coverage and make sure it still fits your needs for the year ahead.

Consider reviewing your plan’s costs, prescription coverage, and provider network. Even if you’re happy with your current plan, it’s worth understanding what may change in 2027.

You deserve to feel confident about your coverage and the care you receive.

💙 Have questions about your Medicare options? Clear Benefits Advisors is here to help you navigate the process.

10/30/2026

AEP is here—and if you’re feeling a little overwhelmed, you’re not alone.

Medicare can come with a lot of dates, options, and details to keep track of. When it comes to your healthcare coverage, it’s okay to have questions.

That’s what we’re here for. We’ll take the time to listen, explain your options in plain language, and help you feel confident about the choices you’re making for the year ahead.

No pressure. No judgment. Just honest guidance from people who care.

Annual Enrollment Period: October 15–December 7

If you have questions about your Medicare coverage, give us a call (585) 299-2199. We’re happy to help.

10/30/2026

🍁✨ Let’s welcome the crisp air, cozy layers, and golden moments with open arms. Whether you’re sipping something warm or taking a scenic stroll, this season is all about joy—one leaf at a time.

10/29/2026

INSURANCE INSIGHTS

❓What Is Prior Authorization in Health Insurance & Medicare?

Prior authorization (also called pre-approval) means your health plan requires you to get approval before it will cover certain services, treatments, or prescriptions.

If you skip this step, you might be stuck paying the full cost out of pocket—even if it’s a service normally covered. 😬

✅ Used to confirm medical necessity
✅ Helps prevent unnecessary or overly expensive treatments
✅ Common in Medicare Advantage & private plans

❓How Do You Know If You Need Prior Authorization?

Not sure if a procedure, test, or prescription needs pre-approval? Here’s how to check:

✅ Look in your plan’s Summary of Benefits or EOC
✅ Call your insurance or Medicare plan
✅ Log into your member portal
✅ Ask your doctor’s office—they often submit it for you

🎯 When in doubt, always check first—or you could end up paying out of pocket. Need help reviewing your plan? We’re just a message away! 💬

10/28/2026

You never know how much a small act of kindness might mean to someone. A thoughtful word, a helping hand, or a simple smile can brighten someone's entire day.

Let's keep that kindness going! Share this message and inspire someone else to pass it along.

10/27/2026

If you were hospitalized tomorrow, would someone you trust know where to find your insurance information?

It's not a fun question, but it's an important one. In a medical emergency, the people closest to you may need to talk with doctors, find your policy information, pick up your kids, and take care of your pets, all while you can't answer their questions.

A little planning now can make a big difference later. Gather your insurance cards, policy numbers, medication list, and your agent's contact info in one place. Choose a trusted person and tell them where it is. And don't forget backup plans for childcare and pet care.

Not sure what coverage you have or where the gaps are? Give us a call. We'll help you put together a clear summary of your policies.

Who's your go-to emergency person? Tag someone you'd trust to have your back.

10/26/2026

There are no silly Medicare questions. Really.

If you’ve ever thought, “I should probably know this…” or felt embarrassed to ask a question about your coverage, you’re not alone.

Medicare can be confusing, and understanding your options takes time. Whether you’re wondering about your doctors, prescriptions, costs, coverage, or what a certain term even means, we’re here to help.

Ask the question. We’ll walk through it with you. Call us at (585) 299-2199.

Because when it comes to your healthcare, you deserve to feel informed—not overwhelmed.

10/26/2026

We gained an hour, but somehow it feels like we lost an entire afternoon. Is it bedtime yet?

Address

70 Linden Oaks, Suite 300
Rochester, NY
14625

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 4pm
Wednesday	9am - 7pm
Thursday	9am - 4pm
Friday	9am - 7pm
Saturday	9am - 5pm

Telephone

+15852992199

Website

https://www.clearbenefitsadvisors.com/

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