Nader Mishreky Independent Insurance Broker

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Nader Mishreky Independent Insurance Broker For under and over 65 years.

With a commitment to excellence and a client-focused approach, Nader Mishreky has built a reputation for being a trusted Insurance Broker who goes the extra mile to ensure his clients are well-informed and well-protected.

Managing Medicare doesn’t have to mean juggling multiple plans.Trinity Health Plan of Michigan (HMO) is a mission-driven...
10/08/2026

Managing Medicare doesn’t have to mean juggling multiple plans.

Trinity Health Plan of Michigan (HMO) is a mission-driven health plan that’s part of a not-for-profit health system — meaning your care is always our top priority. It brings your coverage together in one place — combining hospital, medical and often prescription drug coverage into a single plan.

Having everything in one place may help simplify how you access care, coordinate your benefits and reduce the need to manage separate policies. Many plans may also include additional benefits like dental, vision, hearing and fitness programs, depending on the plan and location.

If you’d like to learn more about how Trinity Health Plan of Michigan works or whether it may be a good fit for your needs, I’m happy to help.

Health concerns don't always happen during regular business hours. That's why Mount Carmel MediGold (HMO) includes acces...
10/08/2026

Health concerns don't always happen during regular business hours. That's why Mount Carmel MediGold (HMO) includes access to a 24/7 Nurse Advice Line on many of their plans.

Having access to a registered nurse any time of day or night can provide valuable peace of mind when questions arise about your health. Whether you're experiencing new symptoms, wondering if a condition can be managed at home or trying to decide where to go for care, help is just a phone call away.

The Nurse Advice Line can help you:
✅ Better understand symptoms and treatment options
✅ Get guidance on medications and chronic conditions
✅ Determine whether you should contact your doctor, visit urgent care or seek emergency care
✅ Get support when your doctor's office is closed

If additional care is needed, the nurse can help connect you with a physician and guide you toward the most appropriate next step.

It's one of the many ways Mount Carmel MediGold helps support members 24 hours a day, 7 days a week.

Want to learn more about Mount Carmel MediGold’s Nurse Advice Line benefit and the many extras included with their plans? Reach out today. I'd be happy to help you explore your Medicare options and find a plan that fits your needs.

Comparing Medicare plans doesn't have to feel overwhelming.When clients ask me where to start, I recommend focusing on t...
10/08/2026

Comparing Medicare plans doesn't have to feel overwhelming.

When clients ask me where to start, I recommend focusing on three simple areas first:
1️⃣ Your Doctors
Make sure your preferred doctors, specialists and health care providers are included in the plan you're considering.
2️⃣ Your Prescriptions
Review your medications to see how they're covered and what your costs may look like throughout the year.
3️⃣ Your Budget
Look beyond the monthly premium and consider copays, deductibles and other out-of-pocket costs.

Don't stress — you don't have to sort through all of this on your own. Contact me for a quick review, and I'll help you compare plans based on your doctors, prescriptions and budget so you can feel confident in your decision.

What would you do with an extra $100 a month?MercyOne Health Plan Cash Back (HMO) helps reduce your Medicare Part B prem...
10/08/2026

What would you do with an extra $100 a month?

MercyOne Health Plan Cash Back (HMO) helps reduce your Medicare Part B premium, putting up to $1,200 back in your pocket each year while still providing Medicare Advantage coverage, prescription drug coverage and extra benefits that support your health and wellness. It's a great option for beneficiaries who want to maximize the value of their Medicare coverage.

Here are a few highlights of the plan's 2027 benefits:
✅ $0 monthly plan premium
✅ Cash Back benefit that reduces your Medicare Part B premium by $100 per month
✅ Prescription drug coverage included
✅ $0 primary care visits (in-network)
✅ Dental, vision and hearing coverage included
✅ Over-the-Counter (OTC) allowance and fitness benefits included

For many beneficiaries, the Cash Back plan provides the flexibility of extra money each month while still delivering the coverage and benefits they rely on.

📞 Contact me to learn whether the MercyOne Health Plan Cash Back (HMO) may be a good fit for your needs in 2027.

What would you do with an extra $70 a month?The Trinity Health Plan New York Cash Back (HMO) helps reduce your Medicare ...
10/08/2026

What would you do with an extra $70 a month?

The Trinity Health Plan New York Cash Back (HMO) helps reduce your Medicare Part B premium, putting up to $840 back in your pocket each year while still providing Medicare Advantage coverage, prescription drug coverage and extra benefits that support your health and wellness. It's a great option for beneficiaries who want to maximize the value of their Medicare coverage.

Here are a few highlights of the plan's 2027 benefits:
✅ $0 monthly plan premium
✅ Cash Back benefit that reduces your Medicare Part B premium by $70 per month
✅ Prescription drug coverage included
✅ $0 primary care visits
✅ Dental, vision and hearing coverage included
✅ Over-the-Counter (OTC) allowance and fitness benefits included

For many beneficiaries, the Cash Back plan provides the flexibility of extra money each month while still delivering the coverage and benefits they rely on.

📞 Contact me to learn whether the Trinity Health Plan New York Cash Back (HMO) may be a good fit for your needs in 2027.

What would you do with an extra $145 a month?The Trinity Health Plan of Michigan Cash Back (HMO) helps reduce your Medic...
10/08/2026

What would you do with an extra $145 a month?

The Trinity Health Plan of Michigan Cash Back (HMO) helps reduce your Medicare Part B premium, putting up to $1,740 back in your pocket each year while still providing Medicare Advantage coverage, prescription drug coverage and extra benefits that support your health and wellness. It's a great option for beneficiaries who want to maximize the value of their Medicare coverage.

Here are a few highlights of the plan's 2027 benefits:
✅ $0 monthly plan premium
✅ Cash Back benefit that reduces your Medicare Part B premium by $145 per month
✅ Prescription drug coverage included
✅ $0 primary care visits
✅ Dental, vision and hearing coverage included
✅ Over-the-Counter (OTC) allowance and fitness benefits included

For many beneficiaries, the Cash Back plan provides the flexibility of extra money each month while still delivering the coverage and benefits they rely on.

📞 Contact me to learn whether the Trinity Health Plan of Michigan Cash Back (HMO) may be a good fit for your needs in 2027.

What would you do with an extra $160 a month?The Mount Carmel MediGold Cash Back (HMO) helps reduce your Medicare Part B...
10/08/2026

What would you do with an extra $160 a month?

The Mount Carmel MediGold Cash Back (HMO) helps reduce your Medicare Part B premium, putting up to $1,920 back in your pocket each year while still providing Medicare Advantage coverage, prescription drug coverage and extra benefits that support your health and wellness. It's a great option for beneficiaries who want to maximize the value of their Medicare coverage.

Here are a few highlights of the plan's 2027 benefits:
✅ $0 monthly plan premium
✅ Cash Back benefit that reduces your Medicare Part B premium by $160 per month
✅ Prescription drug coverage included
✅ $0 primary care visits
✅ Dental, vision and hearing coverage included
✅ Over-the-Counter (OTC) allowance and fitness benefits included

For many beneficiaries, the Cash Back plan provides the flexibility of extra money each month while still delivering the coverage and benefits they rely on.

📞 Contact me to learn whether the Mount Carmel MediGold Cash Back (HMO) may be a good fit for your needs in 2027.

Don't assume your doctor will automatically be in-network next year.Provider networks can change from year to year as he...
10/08/2026

Don't assume your doctor will automatically be in-network next year.

Provider networks can change from year to year as health plans and medical groups update their contracts and participation agreements.

That's why it's important to verify your doctors' network status during the Annual Enrollment Period, especially if keeping certain providers is a priority.

Here are three simple steps:
✅ Check your plan's provider directory
✅ Contact your doctor's office and ask whether they will be participating in your plan next year
✅ Review your options if your preferred provider is no longer in-network

Why does this matter?
• Out-of-network care may result in higher costs, depending on your plan
• You may need to find new providers if your current doctor is no longer covered
• Reviewing your options during AEP may help you keep access to the doctors and specialists you prefer

If one of your doctors is leaving your plan's network, don't assume you have to find a new provider. Contact me with your doctor's name and clinic, and I'll help verify their network status and review coverage options that may allow you to keep seeing the providers you trust.

Have you heard terms like Part B Giveback, Part B Premium Reduction, Cash Back Benefit, or Social Security Giveback? The...
10/08/2026

Have you heard terms like Part B Giveback, Part B Premium Reduction, Cash Back Benefit, or Social Security Giveback? They're all referring to a benefit offered by some Medicare Advantage plans that can help lower your Medicare costs.

In recent years, this benefit has become increasingly popular among Medicare Advantage plans, making it a common topic of conversation during Medicare shopping season. Curious how it works? Here are answers to some of the questions I get asked most often about the Part B Giveback.

𝗤: 𝗪𝗵𝗮𝘁 𝗶𝘀 𝗮 𝗣𝗮𝗿𝘁 𝗕 𝗚𝗶𝘃𝗲𝗯𝗮𝗰𝗸 𝗯𝗲𝗻𝗲𝗳𝗶𝘁?
A Part B Giveback is a benefit that helps reduce the amount you pay for your Medicare Part B premium. The amount varies by plan and may reduce a portion of your premium or, in some cases, cover the full premium.

𝗤: 𝗛𝗼𝘄 𝗱𝗼𝗲𝘀 𝗶𝘁 𝘄𝗼𝗿𝗸?
The plan pays a portion of your Medicare Part B premium on your behalf. You won't receive a separate check in the mail. Instead, the reduction is typically reflected in your Social Security payment or your Medicare premium bill. In other words, you'll either see a larger Social Security check or a lower Medicare bill.

𝗤: 𝗪𝗵𝗼 𝗶𝘀 𝗲𝗹𝗶𝗴𝗶𝗯𝗹𝗲?
Eligibility varies by plan and location, but generally you must:
✅ Be enrolled in Medicare Parts A and B
✅ Pay your own Medicare Part B premium (those receiving assistance with their premium may not be eligible)
✅ Enroll in a Medicare Advantage plan that offers the benefit

𝗤: 𝗗𝗼𝗲𝘀 𝗲𝘃𝗲𝗿𝘆 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗔𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲 𝗽𝗹𝗮𝗻 𝗼𝗳𝗳𝗲𝗿 𝗮 𝗣𝗮𝗿𝘁 𝗕 𝗚𝗶𝘃𝗲𝗯𝗮𝗰𝗸?
No. Only some Medicare Advantage plans include this benefit, and availability varies by county and ZIP code.

𝗤: 𝗦𝗵𝗼𝘂𝗹𝗱 𝗜 𝗰𝗵𝗼𝗼𝘀𝗲 𝗮 𝗽𝗹𝗮𝗻 𝘄𝗶𝘁𝗵 𝗮 𝗣𝗮𝗿𝘁 𝗕 𝗚𝗶𝘃𝗲𝗯𝗮𝗰𝗸 𝗯𝗲𝗻𝗲𝗳𝗶𝘁?
It depends. While a Part B Giveback can be an attractive benefit, it's only one piece of the puzzle. When comparing plans, think about the doctors you want to see, the medications you take, your expected health care costs, and the benefits that matter most to you. A giveback may help lower your Part B costs, but the right plan is ultimately the one that best fits your health care needs, budget, and priorities.

𝗤: 𝗛𝗼𝘄 𝗰𝗮𝗻 𝗜 𝗳𝗶𝗻𝗱 𝗼𝘂𝘁 𝗶𝗳 𝗽𝗹𝗮𝗻𝘀 𝗶𝗻 𝗺𝘆 𝗮𝗿𝗲𝗮 𝗼𝗳𝗳𝗲𝗿 𝘁𝗵𝗶𝘀 𝗯𝗲𝗻𝗲𝗳𝗶𝘁?
A licensed Medicare broker can help you compare available plans and determine whether a Part B Giveback benefit is available where you live.

Have questions about Part B Giveback benefits or other Medicare options? Reach out anytime. I'm happy to help you compare plans and find coverage that fits your needs.

If you're comparing Medicare plans, you've probably seen something called a Star Rating. But what do those stars actuall...
10/08/2026

If you're comparing Medicare plans, you've probably seen something called a Star Rating. But what do those stars actually mean?

Think of Star Ratings as a report card for Medicare plans. Each year, Medicare evaluates plans and assigns a rating from 1 to 5 stars, with 5 stars being the highest rating possible.
⭐⭐⭐⭐⭐ = Excellent
⭐⭐⭐⭐ = Above Average
⭐⭐⭐ = Average
⭐⭐ = Below Average
⭐ = Poor

The ratings reflect how plans perform in areas like:
• Member experience
• Customer service
• Quality of care
• Managing chronic conditions
• Prescription drug services

New ratings are released each fall and can be a useful tool when reviewing your Medicare options during the Annual Enrollment Period (AEP).

Remember, Star Ratings are just one piece of the puzzle. It's important to consider your health care needs, costs, doctors, medications, and benefits when choosing a plan.

If you have questions about Medicare Star Ratings or need help navigating your options, reach out. I'm here to help make Medicare a little easier to understand.

Address

1156 Shallowdale Drive
Troy, MI
48085

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm
Sunday 8am - 8pm

Telephone

+12488356051

Website

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