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First Benefits Group, Inc.

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United States
Sarasota, FL
First Benefits Group, Inc.

Helping people navigate through the myriad of Medicare Insurance Questions, Requirements and Options

05/22/2025

Enjoy spending Memorial Day with family and friends remembering those who have served and who are serving our country.

12/23/2024

Celebrate the holiday season with First Benefits Group Inc.! As we embrace this festive time, we send our warmest season's greetings to you and yours. Reflecting on the past year, we express our heartfelt gratitude for your continued support and partnership. We look forward to serving you in the New Year and wish you all the best in health and happiness. From our team—Terry O'Brien, Fran Lane, BJ Mangrum, and Tom Niemczak—happy holidays and a joyous New Year!

11/26/2024

This Thanksgiving, reflect on the positive moments that have graced our lives. It's easy to focus on the challenges and setbacks, but acknowledging the things that went right reminds us what it’s all for, even in tough times. Celebrating these wins, no matter how small, fills our hearts with gratitude. Let’s give thanks for the kindness, the successes, and the simple joys that brighten our journey. Happy Thanksgiving!

11/21/2024

It’s all systems go for both Medicare and Under 65 individual health insurance enrollment seasons. Medicare’s Annual Enrollment Period is in full swing, offering a critical time for beneficiaries to review and adjust their coverage. Simultaneously, the Open Enrollment Period for individual health insurance plans is underway, providing a window for those under 65 to secure the coverage they need. Whether you’re navigating the options for Medicare or exploring individual plans, now is the moment to make informed decisions and ensure you’re covered for the year ahead.

10/24/2024

The AEP (Annual Enrollment Period) for Plan Year 2025 is here! If you’re looking for a change or just want to review your current coverage the time is now.
AEP runs from October 15th through December 7th . During this time you can make changes to your Medicare coverage including:
• Enroll in a new Medicare Advantage Plan or Part D Prescription Drug Plan
• Change from Original Medicare to a Medicare Advantage Plan
• Change from a Medicare Advantage Plan to original Medicare (with or without Part D)
Call First Benefits Group for a Medicare consultation. As your Independent Agency we offer Medicare plans from multiple companies so we can provide the best fit for your individual needs.
As a local small business your business is sincerely appreciated, so we look forward to catching up and continuing to service your Medicare needs. If you have friends or family that need assistance with Medicare in any respect we would be happy to hear from them as well.

MEDICARE PRESCRIPTION DRUG PLANS STARTING IN 2025
YEARLY OUT-OF-POCKET COSTS
CAPPED AT $2,000
For prescription drugs covered by Medicare

If you have questions, call us. The time to act is now!

10/22/2024

Legitimate businesses and professionals will never ask you to pay them with gift cards. Anyone who does ask you to use a gift card for payment is very likely trying to scam you. Scammers often pressure you to buy gift cards and share the codes with them, claiming it's the only way to pay a debt, fine, or fee. Stay safe and protect your finances by refusing to comply with such demands.

07/26/2024

Navigating Medicare costs can be challenging, especially when unexpected premiums like IRMAA come into play. At First Benefits Group, we specialize in helping you understand and manage these costs effectively. Our expert team is here to guide you through the complexities of IRMAA and Part B/D premiums, ensuring you maximize your benefits and minimize your expenses. Let us help you take control of your Medicare journey with confidence.

07/19/2024

Understanding your expected Social Security income is crucial for effective retirement planning. Your benefits are calculated based on your highest 35 years of earnings, adjusted for inflation, and averaged to determine your Primary Insurance Amount (PIA) at Full Retirement Age (FRA).

Knowing this amount helps you budget for future expenses, assess the need for additional savings, and make informed decisions about when to retire. This foresight ensures you can maintain your desired lifestyle and be prepared for any unexpected costs during your retirement years.

07/03/2024

This Independence Day, we celebrate the freedom and unity that define our great nation. Our offices will be closed on July 4th and 5th, allowing our associates to enjoy this historic day with friends and family. We encourage everyone to take a moment to reflect on the liberties we hold dear, and join in the festivities that make this day so special. Happy Fourth of July!

05/23/2024

Retirement marks a significant transition, a period when individuals can step back from the daily grind and savor the fruits of their labor. It’s a chapter where the pace of life can gently decelerate, allowing retirees to indulge in hobbies, spend time with loved ones, and relish the achievements of their working years.

However, the serenity of this phase hinges on financial stability. Ensuring a secure financial future is paramount; it’s the foundation that supports a retirement filled with peace and enjoyment. With strategic preparation, individuals can safeguard their golden years against uncertainty, preserving the freedom to live life on their own terms. It’s about striking a balance—celebrating past accomplishments while proactively securing the means to enjoy them. Retirement isn’t just an end to a career; it’s the beginning of an opportunity to live with purpose, without the constraints of financial worry.

05/03/2024

As we continue to unravel the intricacies of Medicare costs, let’s shift our focus to Part B for 2024. Often seen as the outpatient counterpart to Part A, it covers physician visits, physical and speech therapy, diagnostic tests, and more. With a $240 calendar year deductible, it is designed to cover 80% of approved expenses. The remaining 20% is the beneficiary’s responsibility, highlighting the importance of either budgeting for these out-of-pocket costs or considering supplemental insurance to bridge the gap.

Moreover, while clinical lab services are mostly covered, blood transfusion services present a cost-sharing scenario after the first three pints. Home healthcare, when involving necessary medical equipment, is typically covered. These details are not mere figures, they represent a critical guide for beneficiaries to plan their healthcare finances with clarity and confidence. Remember, understanding these costs is not just about the numbers—it’s about securing your health and financial well-being for the future.

Different people have different circumstances and one solution does not always fit all. You can find more information you in the Medicare app “What’s covered” from CMSgov available through the typical app handlers.

04/22/2024

Part 1 of 2 – 2024 Medicare Part A

Understanding the Financial Implications of Medicare Part A Costs in 2024

Navigating the complexities of Medicare can be daunting, especially when it comes to understanding the costs involved if you are not carrying coverage to deal with what’s not covered.

Medicare Part A covers inpatient hospital, skilled nursing facility, hospice care, and blood transfusions, with varying degrees of coverage. For instance, during an inpatient hospital stay, Medicare covers all costs except the deductible for the first 60 days. However, from the 61st day onwards, beneficiaries are required to pay a daily co-payment, which increases significantly after the 90th day, emphasizing the need for additional financial planning.

The benefit period, which begins on the first day of service as an inpatient and ends after 60 consecutive days without receiving care, is crucial knowledge for beneficiaries to avoid unexpected expenses and to consider the benefits of supplemental insurance.

These charts are not just a list of numbers; it’s a roadmap for beneficiaries to navigate their healthcare journey with financial foresight and preparedness.

Address

306 N Rhodes Avenue
Sarasota, FL
34237

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

(941) 361-3057

Website

http://www.firstbenefits.net/

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