64 Rancho Del Mar, Aptos, California 95003, United States
About Us
Senior Benefits is a long-time trusted Medicare advisor in our area and throughout the state. Located here in Aptos in the Rancho Del Mar Shopping Center, down from Safeway and across from Susi’s Flowers, we have helped thousands of local seniors choose their health plans for more than 25 years. We can guide you with your Medicare enrollment and be your personal agents for a Medicare Supplement or Advantage Plan. We also partner with a Registered Financial Advisor who specializes in Long Term Care, Final Expense, Life Insurance and overall Retirement and Financial Planning.
Medicare is a complex system with many rules, regulations and an alphabet soup of choices. What are the ABC’s, D’s, F’s, G’s and N’s of Medicare? We are here to help you understand the relationship between Original Medicare through the Federal Government and the plans that private insurance companies offer. Whether you are turning 65, leaving an employer group plan, are new to the area, losing Medi-CAL, or on Medicare disability under 65, we can assist you in discovering the plans that best fit your needs and budget. We provide these services at no cost to you.
Some of the factors involved in choosing a plan are budget, medical groups, doctor choices, hospital choices, and travel across the country and abroad.
Once you are on Medicare and have chosen your plan(s), there are specific time periods to consider a review. The Annual Enrollment Period, which runs from October 15 – December 7, is the only window of time to review your Prescription Drug Plan coverage for the following year or explore entering a Medicare Advantage Plan.
If you have a Medicare Supplement Plan, the California Birthday Rule is important to remember. It begins 30 days before your actual birthday and extends 60 days after, and allows the opportunity for you to review your Medicare Supplement Plan and compare the rates from other companies which offer the same plans. The Supplement plans are standardized by Medicare. What differs are the monthly premiums. Yes, they are different from company to company.
We are always just a phone call away. We look forward to talking with you soon.
Sincerely, Ken and Kathleen Cook