SPOKANE’S #1 MEDICARE INSURANCE SPECIALIST
I educate and serve my clients needs, not my needs. Every client is different. I help each client according to their needs. And every year I review their needs and make changes when their needs change. Often I can save people money. I love to help a persons golden years to be truly golden. Healthy, wealthy and wise.
Presently I am helping a divorced senior receive a larger social security benefit from her divorced spouse’s benefit without affecting the benefit amount he receives. I am also going to save her money on her monthly Medicare insurance premiums.
Recently I helped a disabled vet enroll in Medicare insurance for a $0 monthly premium that will supplement his VA insurance. This will allow him more options to maintain his health.
This is more than a profession for me. It’s a calling. I have a gift for this business that I want to share with as many people as I can. I want all my clients to be healthier, wealthier and wiser and as a by-product I am becoming healthier, wealthier and wiser.
SPOKANE’S #1 MEDICARE ADVISER
It depends what kind of health insurance you have. If you have insurance through your employer or your spouse’s employer and the primary insured is still working, you may not be required to enroll in Medicare as long as the company sponsoring your coverage has at least 20 employees. In this case, you’ll have a special enrollment period after you (or your spouse) retire or leave that employer.
On the other hand, if your insurance is through an employer you’ve already retired from, you still have to sign up at 65. If you are required to sign up for Medicare Part B, and don’t, you’ll face a permanent penalty of 10% of the Medicare Part B premium for every year you were supposed to enroll but didn’t.
It’s also worth noting that since for most people Medicare Part A is premium free, it generally doesn’t make sense to delay signing up for it, even if you’re not required to. If your employer’s group plan has over 20 employees then usually it will be your primary coverage, and Medicare will be secondary. However, since Part B comes with a premium, it may make sense to wait if you’re still covered by your employer’s plan.
Ed is unselfish and has a lot of patience! I am not the easiest guy to get along with. I can be quite grumpy to say the least. Ed has always calmly listened to my complaints and finds solutions to my elder needs. I trust Ed’s Medicare advice!
Ed put me at ease! I was so stressed out! I was going through a divorce and was newly diagnosed with MS. On top of that I was losing my health insurance due to the divorce. Ed assured me that he could find me a zero premium D-SNP plan that is better than the health insurance I had. Ed lifted a huge burden off my shoulders!
I’m very grateful for Ed’s guidance and professionalism. He took the time to find a plan that best fit my needs and I highly recommend his services!