All The Ads You See On TV About Medicare Supplements, Are Private Insurance Companies Paying The 20% Medicare Doesn't Cover.  Every Company That Sells Supplements Cover The Exact Same Things, Only Their Monthly Premiums Are Different. 

The  Average Annual Premium For Supplement & Drug Plan

at age 65 is $2,000.00

 Medicare Has A Prescription Drug Plan With Many Choices

Depending On Your Drug Needs.
click here To Compare Current Drug Rates

 The Newer Medicare Advantage Plans Can Be An HMO, PPO, PFFS, SNP or MSA and May Include

Drugs And Many Other Services Not Covered By medicare. These Plans Usually Have A Lower Premium Cost But Have Co-Pays and Deductibles With A Maximum Yearly Out-Of Pocket Cost  And Many Other Features Not Found In Supplement Plans Like Vision, Hearing Aids, Prescriptions, Annual Check-ups, ETC. Some plans require you to only see doctors in plan except in an emergency. 
click here To Compare Advantage Rates )

 Since I am Licensed With All Plans, I Am  Here To Assist You With The
Plus And Minus Financial Effects Of Your Plan Choice.

I Earn A Fee From The Company You Choose  When I Enroll You In The Plan You select.

There Is Never A Charge To You For My Services 

Call Jerry @ 443-506-6755  For One On One Consultation

understanding medicare enrollment periods

Initial Enrollment Period: (IEP) The seven month period surrounding an individual's 65th birthday, during which they are eligible to sign up for original Medicare, Medicare Advantage and Medicare Supplement plans reguardless of health. 

Annual Enrollment Period: (AEP) A yearly enrollment period that runs from October 15 - December 7 for Advantage Plans. 

Open Enrollment Period: (OEP) from January 1 - March 31, individuals can make one change between Medicare Advantage Plans or swap from a Medicare Advantage Plan back to Original Medicare.

Special Enrollment Period: (SEP) An enrollment period dependent on specific conditions, such as loosing health coverage or being affected by a declared emergency like a hurricane or earthquake.

Medicare Dual Enrollment: Many people who qualify for Medicaid may also qualify for Medicare before they turn 65.

see all area prices

click here  to learn how to get paid for telling others.

 original Medicare is similar to having a major medical plan.

you pay an initial deductible and co-pay. ( 20% )

it consists of 2 parts:  hospital, part "a" and doctor, part "b".

*note: all plan choices will pay the bills, but at different monthly costs.

​Click Book To See Inside

want to attend a 30 minute local workshop, "Understanding your medicare choices"? usually on a saturday

we will let you know where the next one is. 

just fill in request form.

My name is Jerry Lober, I have been licensed since 1981 for safe Investments, Life, Health, and Medicare.  What sets me apart from other brokers and agents is that I am licensed with over 40 of the top companies. This means I have no financial reason to steer you into any particular company or plan, other than to help you save money on premium and out of pocket costs. I look forward to being of service to you and your family at no cost to you.

there is only one Medicare but many choices.

it doesn't matter which company you choose for coverage,

it matters how much you

pay in premium.


​​​​​​​​​​​​​​​​​​​The Lober Group L.L.C.

since 1985 teaching common sense principals to have income 4 life.

call   443-506-6755 ​​