In Minnesota we help understanding and enrolling in Medicare easy.
(763) 242-2508
(763) 242-2508
As an independent Medicare health insurance broker, located in Robbinsdale Minnesota I represent Blue Cross, UnitedHealthcare, Allina Healthcare Aetna, Health Partners, Ucare, Humana, and Medica in the state of Minnesota.
I have been licensed since 2007 in the State of Minnesota, to sell Advantage, Cost, Supplemental, Special Needs and stand-alone Part D Medicare plans.
The easiest and best way to take a quick look at all 64 Advantage plans and 11 Part D plans as well as Supplemental plans for 2024, is go to my dedicated enrollment link. You will be able to look and compare different providers medical benifits, copays, networks, medication pricing and extra benefits.
At Turning Point Advisors LLC, our vision is to continue to be the most trusted and reliable source in Minneapolis for Medicare health insurance. We strive to make the process of finding and enrolling in health care as easy and stress-free as possible.
At Turning Point Advisors LLC, we represent Minnesota insurance carriers and offer a wide range of affordable Medicare plans. We also provide personalized retirement planning and guidance including an experienced taxation and trust lawyer to protect your beneficiaries and assets during retirement.
At Turning Point Advisors LLC, we undergo intensive yearly training to be qualified and authorized to offer Medicare health insurance. We have years of experience in the Medicare health insurance industry and stay up to date on the latest trends and regulations.
At Turning Point Advisors LLC, we provide personalized support and guidance throughout the entire enrollment process. We listen to you and have a detailed conversation about your concerns. We believe that seniors and those about to retire should have access to affordable health care and we provide an unbiased review of available plans in your area.
What to expect as you become eligible for Medicare
As you get closer to your birth month usually about age 58-65 you will be overwhelmed with a flood of mail, phone calls and retirement seminars. Why, because your date of birth and address are public record.
You will get many invites to seminars that are advertised as Medicare or Social Security workshops with free dinners. Most seminars never give details about what they advertise. The purpose of these seminars is for you to make an appointment to meet with a Financial Planner so they can convert your 401K or IRA over to an annuity and make a big commission.
What to expect if you attend a company sponsored Medicare workshop
Insurance companies advertise workshops to explain their Medicare plans. In all cases, this is a great way to get benefit and cost information. However, the real purpose of the workshop is to sell you “only their insurance plan” without comparing it to other plans. It is your health, so you need more choices not just one.
What to expect if you enroll on-line
If you enrolled on-line or called an insurance company directly or called an 800 number, then you do not have a dedicated local agent to represent you when you have questions or problems.
Most TV advertisements want you to call their 800 number. However, you are calling a marketing company that sells your information to agents all over the country. They are trained telemarketers and only want a commission by selling you a policy. The bait is “call to get information on plan changes”.
The highest number of complaints to CMS and Medicare come from people who were given misleading information, lied to, were given false expectations about plan benefits, and were not fully informed of networks or medications. Worse case are seniors who lost good coverage only to be enrolled in a low-priced plan with less benefits and higher co-pays.
You have a 7-month period that includes three months before and three months after your birth month as well as your birth month to enroll into Medicare and receive your Medicare card with Part A and Part B issue dates.
How do I get a Medicare card
To enroll, go to SSA.GOV and set up a user profile. During the account set up process check the box for Part A and Part B and the box to have a confirming enrollment letter sent to you. By checking Part B you will be drawing your monthly benefit, so be sure to check the box asking if you want taxes taken out.
It takes several weeks to get your Medicare card, but with the confirming letter, you can still enroll in a Medicare health plan. Without a Medicare card or conformation letter with issue dates for Part A and Part B, you cannot enroll in Medicare health plan.
If you have an employer health plan you still need to enroll
In this case only select Part A and you can leave Part B blank. If you lose your employer health plan or retire, then you have a 90-day special enrollment period to enroll in Medicare Part B.
Part B premium
As part of Medicare enrollment, all enrollees pay a Part B monthly premium that is deducted automatically from your Social Security check. In 2024 the Part B premium is $174.70. However, if your total combined income is well above the average you will pay a much higher Part B premium called IRMAA that is an Income Related Monthly Adjustment.
Health care is just one part of retirement
As an Independent broker, I offer my clients a higher level of customer service to assist with benefit coverage questions for Medicare, Medicaid, and Social Security. I have been licensed since 2007 and primarily handle Medicare health insurance and financial products for seniors.
If you are thinking about retirement or just want to get a heads-up on what is coming when you do retire, I am the one to call. All consultations are at no cost, and I do make home visits in the metro area. Call me if you live outside the metro area.
Monday to Saturday: 9am - 5pm
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