FINANCIAL & BENEFIT SERVICES LLC - PATTY RAMSEY
FINANCIAL & BENEFIT SERVICES LLC - PATTY RAMSEY
(757) 287 - 4638
IF YOU CONTACT ME - HERE IS MY PROMISE
Medicare can be complex, with many rules, deadlines & options. You will need to make a decision if you want original Medicare or Medicare Advantage Plan (Part C). It’s especially important when you have "guaranteed issue rights" as you need to choose wisely. Know the pros and cons of both before deciding. I can inform you of your options making sure you weigh your pros & cons to make the right decision for yourself.
Original Medicare with Medicare Supplement Plan and Stand Alone Prescription Drug Plan vs Medicare Advantage Plan MA or MAPD. Do you have a network of doctors you must use? Are your prescriptions on the drug plan formulary? Which plan will cover all or most of your prescriptions at the least amount of cost to you? Will you hit the donut hole? Are you dual eligible? Can you qualify for extra help? There are so many different scenarios.
How do you know which plan and option to go with? Call Patty and I will make it easy for you! Most clients say I save them time, stress & money.
To clear up a question I am asked a lot, "No" there is no cost for my help and you pay no additional premium to the insurance carrier for using an agent. The Insurance Carriers pay agents without any additional out of pocket cost to you. So why would you not want to use an agent like Patty? I simplify the in's and out's for you. I service all my clients every year to save them money.
All my clients have my cell # in their phone and know they can call me anytime. Lastly I am an independent agent contracted with most major insurance carriers to better serve you.
There are reasons why one carrier may be a better fit for you over another. I can help place you with the one that meets your needs & budget.
I can promise you I try to exceed your customer service expectations to become your health insurance "go to person." 757-287-4638 call me anytime & Thank You for Supporting My Local Small Business.
Medicare Made Easy -No Pressure Ever - & I take calls even if you just have questions need general info or want a certain quote - If you decide you want my help:
1) After answering your questions I will gather information about you to understand the type of enrollment period you are in and the needed info for quoting your different plan options.
2) Our second visit I will review all your options explaining the in's & out's, and the pro and cons to help you choose which insurance option will best meet your needs.
I will review the quotes and carriers comparing premium cost and benefits for each option.
3) Should you choose to enroll I will complete all needed forms and submit the application for you. I follow up with all applications until the policy is issued and you have received your welcome package and insurance card.
4) Welcome Aboard - I am here to answer any additional questions that might pop up or provide any follow up as needed.
5) Because new products come out yearly and premiums can change; you can count on me during Annual Enrollment Period Oct. 15 to Dec. 7, of every year to check and compare if you should make any changes or stay with what you have.
6) I am available anytime during the year if you have a claim problem, need in-network provider help, or help with covered drugs etc. I am always a phone call away for my clients.
QMB ONLY - 2021 - VIRGINIA - THERE IS A MEDICARE/MEDICAID ADVANTAGE PLAN FOR QMB ONLY ELIGIBLE BENEFICIARIES - CALL ME FOR MORE DETAILS & BENEFITS THIS PLAN OFFERS & IF YOU ARE A GOOD FIT FOR THIS ADVANTAGE PLAN
ARE YOU FULL DUAL MEDICARE / MEDICAID ? - CALL ME FOR MORE DETAILS DO YOU KNOW WHICH MEDICARE ADVANTAGE PLAN MAY OFFER BETTER BENEFIT FOR YOUR NEEDS? PLAN CAN CHANGE & NEW PRODUCTS & BENEFITS CHANGE YEARLY CALL FOR A REVIEW OR INFO 757-287-4638
TURNING 65 (T65)- MEDICARE SIGN-UP TIME – GET STARTED 3-6 MONTHS BEFORE YOUR 65 BIRTHDAY-THERE IS PLENTY TO DO AND LEARN SO YOU CAN MAKE THE RIGHT DECISIONS AND HAVE TIME TO SET UP EVERYTHING BEFORE TURNING 65. IF YOU ARE CLOSE TO TURNING 65 THIS YEAR YOU ARE DEFINITELY GETTING BOMBARED RIGHT NOW WITH MAIL & CALLS. THE CLOSIER TO TURNIN
TURNING 65 (T65)- MEDICARE SIGN-UP TIME – GET STARTED 3-6 MONTHS BEFORE YOUR 65 BIRTHDAY-THERE IS PLENTY TO DO AND LEARN SO YOU CAN MAKE THE RIGHT DECISIONS AND HAVE TIME TO SET UP EVERYTHING BEFORE TURNING 65. IF YOU ARE CLOSE TO TURNING 65 THIS YEAR YOU ARE DEFINITELY GETTING BOMBARED RIGHT NOW WITH MAIL & CALLS. THE CLOSIER TO TURNING 65 THE MORE THEY WILL HUNT YOU DOWN - CALL ME TO FIND OUT THE WHYS & WHAT YOU SHOULD KNOW & DO --I WILL NOT BLOW UP YOUR PHONE!
LEAVING A GROUP HEALTH PLAN - ITS IMPORTANT TO PLAN EARLY 3 - 6 MONTHS PRIOR TO NOT HAVE A GAP IN COVERAGE.- CALL ME TO UNDERSTAND YOUR OPTIONS AND WHAT YOU NEED DO & KNOW. -757-287-4638
DISABILITY BENEFITS FROM SOCIAL SECURITY YOU WILL AUTOMATICALLY GET MEDICARE PART A AND B BEFORE YOUR 25TH MONTH OF RECIEVEING YOUR DISABILITY CHECKS. YOU HAVE OPTIONS AND SHOULD MAKE DECISIONS AHEAD OF TIME AT LEAST 3 – 6 MONTHS PRIOR TO HAVE ALL YOUR BENEFITS IN PLACE FOR YOUR EFFECTIVE DATE. CALL ME FOR YOUR OPTIONS AND HOW TO FIND THE RIGHT PRODUCT - I CAN HELP - 757-287-4638
ACA / Marketplace Health Insurance - I will fill out your application on healthcare.gov to receive your eligibility. Once we know your eligibility we will review plan benefits, carrier options and your cost. I will help you pick the best plan for your needs and budget. You will receive immediate confirmation of enrollment and plan info.
I provide service all year should you need to update your account or need any other assistance. I am building relationships with clients to continue to assist in the next year Open Enrollment. - No more 800 # for you or dealing with different enrollers. I will remain your agent & continue to service you as needed.
*Virginia Life & Health Licensed since year 2000. - Virginia Life & Health *Consultant Licensed - *E&O Insured
*2016 - Owner of: Financial & Benefit Services LLC -
*Independent Agent - Contracted with Most major Insurance Carriers to better serve you.
*North Carolina Licensed on some products
* No Cost Savings Reviews - I have save a few clients hundreds of dollars per month - you have nothing to lose and may gain additional deposable monthly income.
*I love saving my clients money & I am good at it!
* I never apply pressure or use sales tactics - I don't operate that way.
*You Get Experience -Professional - Excellent Customer Service at no additional cost to you! 757-287-4638
DENTAL / VISION
HOSPITAL & OTHER INDEMINITY PLANS
Call or email for additional info.
DISCLAIMERS / CMS Requirements
*I AM NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR FEDERAL MEDICARE PROGRAM. I am a Independent BROKER Appointed with INSURANCE cCarriers
*This is a solicitation for insurance.
* I do not offer every plan available in every area. Any information I provide is limited to those plans I do offer in your area. Please contact Medicare.gov or call 1-800-MEDICARE or Contact Your Local SHIP Office for all your options. Carriers I do Write for: 1)Anthem -
2)Aetna - 3)Humana - 4)Sentara -5)United Health Care - 6)Wellcare
* In the 23518 zip code area I offer 56 Part C - MAPD / MA - 12 Part D /PDP Plans & 20 Medi-gap Plans. Other areas Plan count may differ.