Medicare Made easy

I am an Authorized Independent Agent-Broker for Blue Cross and BlueShield of Minnesota and Blue Plus, UnitedHealth Care, Medico, Health Partners, Allina Healthcare|Aetna, Ucare, Medica, Cigna, Medicareblue RX, Mutual of Omaha RX and Silver Script RX. I am licensed in Arizona, Florida and Minnesota. I specialize in those over 65-years or those soon to be Medicare eligible and facing retirement.

In addition to your insurance providers customer service department, I offer my clients a higher level of customer service (24/7) to assist with benefit coverage questions, Medicare or Medicaid questions as well as Social Security questions.

Gene has been licensed since 2007 and only handles Medicare Health insurance and related senior products. To learn more about your agent just click the link

The Annual Enrollment Period that starts October 15 and ends December 7th is going to again be different this year.

Like yourself, I too am a vulnerable senior. With recent new Covid-19 restrictions, how agents will contact you and write Medicare health insurance policies for 2022 has changed. 

We will continue to give policy reviews over the phone and applications will be over the Internet using secured signatures. 

For those with no electronic access, we can still have phone reviews and can mail you the paper application.  Face-to-Face meetings will be limited, and on an as needed basis.

It is recommended that you call (763) 242-2508 and schedule a policy review by phone or send me an email. 

Do not believe all that you see and all that you hear from the Medicare TV commercials. 

Most Minnesota insurance providers, brokers, and agents as well as the Department of Insurance have tried to get these false claim advertisements off the air. Medicare needs a certain number of complaints before they can take the advertisements down, but recently they are now giving a small disclaimer.  

What has improved slightly, is that some of the advertisers are now stating that you need to look up your zip code first. Unfortunately they fail to tell you why, so you have to call them.

How this works is that the advertiser either sells your phone number to agents around the country or have internal agents that only want to sell you a policy and, in many cases, will do or say anything to get you to believe them. 

If you do call the 1-800 number, you will be unable to get any answers until you give them all your information, which basically is a complete application.

The only way you could get what is advertised is if you are enrolled in both Medicaid and Medicare (DSNP), reside in certain states and live in specific Zip codes.  Medicare does not give money back.    

If you want answers about Medicare health insurance or DSNP's, it is better to call an agent like myself.   

Medical costs can be traumatic -- to your health, your wallet, and your family. What about the costs not covered by Medicare Advantage plans? Even if you have Medicare insurance, there will almost certainly be costs that aren’t covered like co-pays and co-insurance. 

To offset those costs, having a Hospital Indemnity insurance policy that provides you with supplemental cash benefits, is what your need. It provides peace of mind by offering customized protection that pays for the costs not covered by your insurance.

A report dated February 2016 from “Patient’s Perspectives on Health Care in the United States,” shows that senior adults say their health care costs over the past two years caused a very or somewhat serious problem, for their overall financial health.

 
44% Must set up a payment plan with a hospital or health care provider to pay bills

42% Must spend all or most of their personal savings to pay for medical bills

 
27% Many are unable to pay for necessities like food, heat, or housing due to medical bills

 
23% Many have to take on extensive credit card debt that may be hard to pay back

7% Must declare bankruptcy because of medical debt

 
A customized Hospital Indemnity policy will cost less than you might think. Give me a call and get a customized look at what you can save