The Lober Group Has Been Saving Seniors Premium Since 1985.
Don't Be confused by all the choices, we are here to help.
What’s The Best Medicare Plan in, Maryland
The One With The Best Value.
My Name is Jerry Lober. I am a Vietnam Veteran 67-71, Since 1985 I have been a Insurance Broker who looks for the best value in insurance products since1985. In 2013 I turned 65 and enrolled in Medicare, thankfully for my 37 years in the business I know which plans offer the best value for the lowest cost.
Little did I know that in 2018 I would have a triple by-pass with a 6-day hospital stay at a cost of $60,000. My out-of-pocket cost was just $1,200. That may seem like a lot, but it is way less than other plans. If you are looking for a great value at a low cost, I am here to help you understand the advantages of each plan.
A Few Things You Should Know When Choosing A Plan.
If you are planning to work after age 65 it can be less expensive to purchase a Medicare Advantage Plan instead of keeping your Company Plan.
If you don’t have a lot of income, you may be able to get a low-income subsidy.
We offer a no cost unbiased review of all plans. You don't have to spend more to get quality Health Care.
What’s The Real Difference Between The Plans?
- Gives You Part A (hospital) Free and Part B (Doctor) For A Fee.
- You are required to enroll in a stand-alone Part D Prescription Drug Plan.
If you purchase the stand-alone Part D drug plan, Premiums can cost up to $97 monthly plus a deductible up to $445. For all current Part D prices.
Medicare Supplement Plans
- They Only Cover The 20% Medicare Doesn’t Pay & Don’t Include A Drug Plan.
- Generally, At A Higher Cost Than Medicare Advantage.
- The national average for supplement plan costs increases 4 to 6% annually.
Medicare Advantage Plans
The Newer Medicare Advantage Plans Have Other Benefits Not Provided Through Original Medicare, Such as Drug Plan, Dental, Low Premiums and much more. Generally all Advantage Plans do the same things only their premium may be higher.
Attention Veterans! New This Year
A New plan from Alterwood Advantage ( Freedom ) is available if you use the V. A. for your medical services, there is a $0 monthly premium, and they will add $40 back to your Social Security Account each month.
To Speak With A Licensed Agent For Additional Information
Medical Savings Accounts M.S.A.
“The Most Overlooked Medicare Plan”
“Popular With Snow Birds & Veterans”
The one nice thing about MSA’s is many doctors will accept the plans premium. Secondly the premium you pay, goes into your own account, earning interest, not the Insurance Company’s pocket.