HLC Insurance

HLC Insurance HLC Insurance provides assistance with group health, individual, life, medicare supplement and dental

04/27/2026

❓Medicare FAQ - Let's Clear Thing's Up! ❓

I get asked these questions all the time, so here are a few quick answers that may help

Do I need to sign up for Medicare if I'm still working?
Maybe! It depends on you employer's size and your current coverage. This is one of the most important questions to get right.

Is Medicare free at age 65?
Medicare Part A is usually premium-free, but other parts may have monthly costs.

What's the difference between Original Medicare and Medicare Advantage?
They offer coverage in different ways, with different costs, networks and benefits.

Will Medicare cover my prescriptions?
Original Medicare does not, but Part D or Medicare Advantage plans can help.

Every situation is different. The right answers depend on your health, doctors, medications, and finances.

Have a Medicare question? Drop it in the comments or send me a message, I'm happy to help!

Let's set the record straight! There are two big myths about Medicare that catch a lot of people off guard as the approa...
04/20/2026

Let's set the record straight! There are two big myths about Medicare that catch a lot of people off guard as the approach 65.

Myth #1: "Medicare is free"
While Part A is premium free for most, Part B comes with a monthly premium ($202.90 a month in 2026), and there are still deductibles and co-pays to think about.

Myth #2: "It covers everything"
Standard Medicare actually has some pretty big gaps. Things like routine dental, vision and hearing usually aren't covered without specific extra plans.

The good news? If you start planning early: ideally around age 60, you can avoid these surprises and build a strategy that actually fits your budget and lifestyle.

At HLC Insurance, we're here to help clear up the confusion.

Most people don't review their Medicare coverage... until it costs them. Higher copays. Prescriptions not covered. Docto...
04/13/2026

Most people don't review their Medicare coverage... until it costs them.

Higher copays. Prescriptions not covered. Doctors suddenly out of network.
And by then? It's too late to fix it without stress.

Medicare is not "set it and forget it". Plans change every year. Your health changes, your needs change.

If you or someone you love is turning 65, already on Medicare, or just confused about the options, I offer free, no-pressure reviews to make sure you're not overpaying or under covered.

Health benefits are not one size fits all.I work with individuals, families and self-employed professionals to create pe...
04/10/2026

Health benefits are not one size fits all.

I work with individuals, families and self-employed professionals to create personalized health coverage strategies that provide protection, flexibility, and confidence.

Whether you need prescription coverage, dental & vision options, travel protection, or a full policy review, I'm here to help you make informed decisions.

🔵 What does Medicare Part D Cover? 🔴Medicare Part D helps cover the cost of prescription medications. - Covers many bran...
04/06/2026

🔵 What does Medicare Part D Cover? 🔴

Medicare Part D helps cover the cost of prescription medications.

- Covers many brand-name and generic drugs
- Offered by private insurance companies approved by Medicare
- Plans vary by medication list (formulary), pharmacy and cost

Not all drugs are covered the same way, so it's important to review your plan each year.

Have questions about your prescriptions or plan options? I'm happy to help.

Choosing the best medical coverage doesn't have to be overwhelming!Whether you're looking for yourself (individual plans...
04/03/2026

Choosing the best medical coverage doesn't have to be overwhelming!

Whether you're looking for yourself (individual plans), protecting your whole crew (family coverage), or offering great benefits to your team (small business/group options), the right plan is out there, and it's closer than you think.

We help with:
-Individual health plans
-Family coverage
-Dental & vision plans
-Small business/ group benefits
-Critical illness, accident, life and children only plans

Ready to find coverage that actually works for YOU?

Call or text Caleb today: 816-273-4216

Address

PO Box 8131
Saint Joseph, MO
64508

Opening Hours

Monday 8am - 5:30pm
Tuesday 8am - 5:30pm
Wednesday 8am - 5:30pm
Thursday 8am - 5:30pm
Friday 8am - 5:30pm

Telephone

+18162734216

Website

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