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Affordable Life & Health LLC

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Tulsa, OK
Affordable Life & Health LLC

Medicare Specialists. All Advantage Plans available. Medicare Supplements/Medigap and most drug plan

09/19/2022

𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲: 𝗞𝗻𝗼𝘄 𝘆𝗼𝘂𝗿 𝗥𝗶𝗴𝗵𝘁𝘀

When you have Medicare, there are rules that protect your right to fair treatment, access to helpful information, and the privacy of your personal and health records.

You have rights whether you’re enrolled in Original Medicare in which you can choose any doctor or hospital that accepts Medicare or Medicare Advantage, in which you get care within a network of health care providers.

Your rights guarantee that you get the health services the law says you can get, protect you against unethical practices, and ensure the privacy of your personal and medical information. You have the right to be treated with dignity and respect at all times, and to be protected from discrimination.

You also have the right to get information in a way you understand from Medicare, your health care providers, and, under certain circumstances, Medicare contractors. This includes information about what Medicare covers, what it pays, how much you have to pay, and how to file a complaint or appeal.

Moreover, you’re entitled to learn about your treatment choices in clear language that you can understand and to participate in treatment decisions.

Are you still confused about Medicare and what specifically are your rights? We can help you with a wide range of legal issues concerning this program and how it is being applied to your specific situation. Talk to our Independent Insurance Broker at 918-695-3411.

09/16/2022

𝗪𝗵𝗮𝘁 𝘀𝗵𝗼𝘂𝗹𝗱 𝗜 𝗱𝗼 𝗶𝗳 𝗺𝘆 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗔𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲 𝗽𝗹𝗮𝗻 𝗱𝗲𝗻𝗶𝗲𝘀 𝗺𝘆 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲?

If your Medicare Advantage plan denies coverage of a medical service or item that you think it should cover, you can file an appeal. An appeal can be a multi-stage process unless your plan agrees to cover the service or item in question right away.

If the plan won't cover the items or services you asked for, you'll get a notice explaining why your plan fully or partially denied your request and instructions on how to appeal your plan's decision by requesting a reconsideration. If you appeal the plan’s decision, you may want to ask for a copy of your file containing medical and other information about your case. Your plan may charge you for this copy.

Medicare Advantage plans must follow specific guidelines in order to deny a claim. These guidelines may vary slightly based on your plan, but in general, you can reduce your risk by Knowing and following your plan’s rules, Receiving services that are both medically necessary and covered by your plan, and Getting services outside the Medicare Advantage plan’s network.

To know more about the Medicare Advantage plan and its coverage, call our Medicare Advisor at 918-695-3411. We will make sure that you'll get the assistance you deserve.

09/15/2022

𝗖𝗮𝗻 𝘆𝗼𝘂 𝗯𝗲 𝗧𝘂𝗿𝗻𝗲𝗱 𝗗𝗼𝘄𝗻 𝗳𝗼𝗿 𝗮 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗦𝘂𝗽𝗽𝗹𝗲𝗺𝗲𝗻𝘁 𝗣𝗹𝗮𝗻?

Medicare Supplement plans are a great option for Medicare beneficiaries who want to keep the freedoms of Original Medicare but wish to reduce their out-of-pocket costs. When you have a Medicare Supplement (Medigap) plan, you are no longer responsible for all of the costs Original Medicare leaves behind. However, if you do not enroll when you first become eligible, you could be denied Medicare Supplement coverage.

There are very few circumstances when your carrier may drop your coverage after you enroll in a Medicare Supplement plan. If you lie on your application, fail to pay your monthly premium, or your Medicare Supplement plan carrier goes bankrupt, you will lose coverage.

A Medicare Supplement insurance plan in Oklahoma may not deny coverage because of a pre-existing condition unless you're on open enrollment or a guaranteed issue situation.

Talk to a Tulsa Medicare Advisor about what you can expect in a Medicare Supplement Plan.

Call us at 918-695-3411.

09/14/2022

𝗪𝗵𝗼 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗺𝗼𝘀𝘁 𝗳𝗿𝗼𝗺 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲?

Medicare is one of the pillars of the U.S. social insurance system and the primary source of health care coverage for those over 65. More than 58 million people were enrolled in Medicare in 2017.

Medicare is the federal government program that provides health care coverage (health insurance) if you are 65+, under 65, and receiving Social Security Disability Insurance (SSDI) for a certain amount of time, or under 65 and with End-Stage Renal Disease (ESRD).

The Centers for Medicare & Medicaid Services (CMS) is the federal agency that runs Medicare. The program is funded in part by Social Security and Medicare taxes you pay on your income, in part through premiums that people with Medicare pay, and in part by the federal budget.

It is important to understand your Medicare coverage choices and to pick your coverage carefully. How you choose to get your benefits and who you get them from can affect your out-of-pocket costs and where you can get your care.

A Medicare specialist can help you figure out exactly what's covered under your plan and whether supplemental coverage would be a good idea.

Call us at 918-695-3411 and we will help you simplify the best plans & services with Medicare.

09/13/2022

𝗧𝘂𝗹𝘀𝗮 𝗔𝗿𝗲𝗮 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗔𝗱𝘃𝗶𝘀𝗼𝗿

Since 1993, I have provided 1 on 1 service to my people. Everyone has my cell number and can call me at any time. I DO answer my phone, even after business hours. As a broker, I have access to many companies. I show what the plans do but also talk about what they don't do.

That way there are NO surprises later and you can make your decision fully informed and know my customer service is there for you, ALWAYS. You may come by my office or if it is easier for you, I will meet you. If necessary, I will also help you enroll in Medicare.

As a disabled vet myself, I work closely with veterans. I have inside knowledge that the VAST majority of other agents do not possess. I have access to over 100 companies. Whether you are 18 or 100, odds are I can help you. I do not pressure my people. Just giving out the information in such a way you can understand and then the decision is yours.

If you have questions about a healthcare plan or services available, please call (918) 695-3411.

09/12/2022

𝗛𝗼𝘄 𝗪𝗼𝗿𝗸𝗲𝗿𝘀 𝗖𝗼𝗺𝗽𝗲𝗻𝘀𝗮𝘁𝗶𝗼𝗻 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗪𝗼𝗿𝗸𝘀

Workers’ compensation insurance provides medical and wage benefits to people who are injured or become ill at work. Each state mandates the coverage and the wage and medical benefits vary by state.

Workers’ compensation is considered social insurance because it relies on a social contract between management and labor, wherein in exchange for purchasing workers’ compensation insurance, business owners are protected from civil suits from their workers who become injured on the job.

Yet each party benefits has limitations. Workers’ compensation insurance is purchased by businesses, and is underwritten by insurance companies and, in some states, underwritten by publicly supported state funds.
Even when not required by law, this policy provides important protection against medical expenses and employee lawsuits related to workplace injuries.

You can rely on workers’ comp if you or an employee needs medical care or time off due to a workplace injury – or if an injured employee sues you for failing to prevent an accident.

For more info or a quote on Workers’ Insurance Compensation, call us at (918) 695-3411.

09/09/2022

𝗗𝗲𝗻𝘁𝗮𝗹 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗳𝗼𝗿 𝗦𝗲𝗻𝗶𝗼𝗿𝘀: 𝗜𝘀 𝘁𝗵𝗶𝘀 𝘄𝗼𝗿𝘁𝗵 𝗶𝘁?

If you’re a Medicare beneficiary, you’ve likely got your health insurance covered. But what about your teeth? Receiving regular dental care is incredibly important to your overall health, but some seniors forego proper care due to the high cost.

Most seniors on Medicare need to purchase additional dental insurance. Original Medicare - Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) doesn’t cover routine dental care, such as cleanings, fillings, crowns, and dentures.

It may cover certain dental expenses related to surgery or as part of an emergency. If you have Original Medicare and want dental coverage, however, you can buy a separate dental plan or enroll in a Medicare Advantage Plan, also known as Medicare Part C, that includes dental benefits.

When shopping for a Medicare Advantage plan with dental coverage, make sure that the plan covers the dental services that are most important to you. This could include routine dental exams, X-rays, gum disease treatment, fillings, or dentures.

For more info or a quote on Medicare Advantage plans available, call us at (918) 695-3411.

09/08/2022

𝗦𝗲𝘁𝘁𝗶𝗻𝗴 𝘁𝗵𝗲 𝗙𝗮𝗰𝘁𝘀 𝗦𝘁𝗿𝗮𝗶𝗴𝗵𝘁 𝗮𝗯𝗼𝘂𝘁 𝗠𝗲𝗱𝗶𝗰𝗮𝗶𝗱

Medicaid is a public insurance program that provides health coverage to low-income families and individuals, including children, parents, pregnant women, seniors, and people with disabilities; it is funded jointly by the federal government and the states.

Each state operates its own Medicaid program within federal guidelines. Because the federal guidelines are broad, states have a great deal of flexibility in designing and administering their programs. As a result, Medicaid eligibility and benefits can and often do vary widely from state to state.

Eligibility varies by state, but applicants generally must meet all of the following:
• A resident of the state in which you are applying, and
• Whose financial situation would be characterized as low income or very low income, and
• A citizen of the United States or certain qualified non-citizens, such as lawful permanent residents.

Medicaid medical coverage includes the most common forms of healthcare. In fact, Medicaid medical benefits cover at least the same services that Medicare does, and usually more. Medicaid also pays Medicare premiums, deductibles, and copayments for those enrolled in both programs.

To know more about Medicaid Medical Coverage, Talk to our independent insurance broker at 918-695-3411.

09/07/2022

𝗡𝗼𝘁 𝗮𝗹𝗹 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗔𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲 𝗣𝗹𝗮𝗻𝘀 𝗔𝗿𝗲 𝘁𝗵𝗲 𝗦𝗮𝗺𝗲

Oklahoma Medicare Advantage plans are available through Medicare-approved private insurance companies, the costs and coverage vary by plan, and not every location has the same medicare advantage plans available.
You have to be enrolled in Medicare part A and part B to be eligible for a Medicare Advantage plan in Oklahoma. And you have to be local to the service area of the plan you choose.

While all Medicare Advantage plans offer Part A and Part B benefits, the additional benefits vary significantly from plan to plan.

It’s also important to be aware that your favorite doctor might be covered under one plan but may be out of network on another plan. So, make sure that you understand the rules for the type of plan that you choose.
Review the plan documents, compare plans side by side, and view plan ratings and reviews in order to make the best decision for you.

Interested in learning more about Medicare, Medigap, and Medicare Advantage plans? Our Medicare Advisor may be able to help. Call us at 918-695-3411.

09/06/2022

𝗚𝘂𝗶𝗱𝗶𝗻𝗴 𝘆𝗼𝘂 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗣𝗮𝗿𝘁 𝗔 𝗮𝗻𝗱 𝗣𝗮𝗿𝘁 𝗕 𝗣𝗹𝗮𝗻𝘀

Medicare Part A (hospital coverage) and Medicare Part B (medical coverage) are what most people think of when you say, Medicare health insurance.

In order to help people with the gaps in health coverage that Medicare doesn't provide, Medicare supplement plans were created. Also known as Medigap insurance.

These Medicare supplement plans are provided by American insurance companies. Not the federal government.

Les Stanfill will guide you through the Medicare supplement plans. He'll help you understand what Medicare insurance services and Medigap insurance services are available and what program works best for you.

Call us today at (918) 695-3411, and you'll get the assistance you deserve.

09/02/2022

𝗛𝗼𝘄 𝗗𝗼𝗲𝘀 𝗟𝗶𝗳𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗪𝗼𝗿𝗸?

Life insurance is a type of insurance contract. When you purchase a life insurance policy, you agree to pay premiums to keep your coverage intact.

If you pass away, the life insurance company can pay out a death benefit to the person or persons you named as beneficiaries of the policy.

The major purpose of life insurance is protection - the instant estate to meet survivor needs. Some policies include a savings feature, but there are many other ways to save money and make investments.
When buying life insurance, your primary concern should be providing adequate protection; the possible savings feature is a secondary consideration.

Life insurance policies are very affordable and can be taken on adults or children. For children's policies, usually when the child turns 18, part of the money paid into the insurance is available for withdrawal.

Call us at 918-695-3411 to know more information about How Life Insurance Work and Its Coverage.

09/01/2022

𝗣𝗿𝗶𝗺𝗮𝗿𝘆 𝗕𝗲𝗻𝗲𝗳𝗶𝗰𝗶𝗮𝗿𝘆 𝗩𝘀 𝗖𝗼𝗻𝘁𝗶𝗻𝗴𝗲𝗻𝘁 𝗕𝗲𝗻𝗲𝗳𝗶𝗰𝗶𝗮𝗿𝘆

One of the best ways to make sure your assets are handled according to your wishes is to designate both primary and contingent beneficiaries.

A primary beneficiary is a person who has been selected in a will, trust, or health insurance policy to be first in line to receive any designated benefits.

In contrast, a contingent beneficiary is an individual that will receive any benefits left from a will, trust, or health insurance policy only if the primary beneficiary has passed away.

This particular characteristic happens to be the main factor that distinguishes these types of beneficiaries from one another. You will need to know the conditions as to when they can each receive benefits designated from a will, trust, or health insurance policy.

Interested in naming a beneficiary for your health insurance policy? Call us at 618-695-3411. We will help you with the instructions for listing primary and contingent beneficiaries.

Address

3105 E SKELLY Drive STE 303
Tulsa, OK
74105

Opening Hours

Monday	8:30am - 7pm
Tuesday	8:30am - 7pm
Wednesday	8:30am - 7pm
Thursday	8:30am - 7pm
Friday	8:30am - 7pm
Saturday	8:30am - 7pm

Telephone

+19186953411

Website

https://tulsamedicarespecialist.com/

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