The Medicare Annual Enrollment Period Ends Dec. 7th

Get the Coverage You Need From the People You Trust

Brian Penner has been helping Medicare beneficiaries since 2005. Brian has a passion for helping seniors choose the plan that best suits their needs and reviews their plan with them annually. He is dedicated to his clients in both Moab, UT and Grand Junction, CO with professional offices in both locations to meet.

Your Source for Medicare

Our team of experts review all plan options and suggest only the best sense for your needs and your budget.

Access to All Your Options

Our team of experts review all plan options and suggest only the best sense for your needs and your budget.

Personal Medicare Agents

Our phones are always open to take any questions or

concerns you might have during your coverage period.

Call 970-840-0240 today.

Getting the Right Coverage Can Be Difficult

We understand the Medicare enrollment process can be difficult to

understand. This is why we strive to educate and empower our clients to make the best decisions for their health insurance coverage.

Enrollment Penalties

Postponing enrollment can leave you at risk for penalties and decline of coverage in the future.

Coverage Delays

Our team of experts review all plan options and suggest only the best sense for your needs and your budget.

Losing Guaranteed Issue Rights

Our team of experts review all plan options and suggest only the best sense for your needs and your budget.

We Simplify the Medicare Process

We offer innovative approaches to improving quality, affordability, and accessibility to Medicare information. At Brian Scott Insurance, we believe mapping a path into a new life stage should be free of confusion and doubt, so we are here to guide you through the process to feel confident and make the right Medicare decisions.

Don't Risk Getting the Wrong Coverage

Work with Brian Scott Penner!

We understand the Medicare enrollment process can be difficult to

understand. This is why we strive to educate and empower our clients to

make the best decisions for their health insurance coverage.

Please download our Medicare Supplement VS Medicare Advantage worksheet before our appointment.

Book Your Initial Review

You’ll meet with a member of our trained staff so they can get to know you and help define your needs.

Create Your Medicare Timeline

Together, we’ll create a specific plan to accomplish your Medicare goals.

Successfully Enroll in Medicare

Enrolling in the best Medicare plan based on your needs and budget, while avoiding costly enrollment penalties and coverage delays.

Book Your Initial Review

You’ll meet with a member Brian Penner so he can get to know you and help define your needs.

Create Your Medicare Timeline

Together, we’ll create a specific plan to accomplish your Medicare goals.

Successfully Enroll

Enrolling in the best Medicare plan based on your needs and budget, while avoiding costly enrollment penalties and coverage delays.

Why Hospital Indemnity Plans Are the Perfect Complement to Medicare Advantage Plans

Medicare Supplement| Medicare Advantage Plans| Hospital Indemnity Plans

October 08, 2023•2 min read

Introduction:

Navigating the world of healthcare coverage can be daunting, especially as we age. With a myriad of options available, it's crucial to understand how different plans work and how they can complement each other. One such pairing that deserves attention is Hospital Indemnity Plans alongside Medicare Advantage Plans. This combination can offer comprehensive coverage and peace of mind, especially for those in their golden years.

The Gaps in Medicare Advantage Plans:

Medicare Advantage Plans, while comprehensive, have certain gaps. These plans often cover a range of medical services and supplies but may leave you with copayments, coinsurance, and deductibles. In times of unexpected hospital stays or specialized treatments, these out-of-pocket costs can accumulate rapidly, causing financial strain.

How Hospital Indemnity Plans Fill the Gaps:

This is where Hospital Indemnity Plans shine. These plans are designed to provide a cash benefit paid directly to you for each day you're hospitalized. This benefit can be used to cover the costs not paid by Medicare Advantage Plans, such as deductibles, copayments, or even non-medical expenses like transportation and lodging for family members.

Customizable Coverage:

One of the greatest advantages of Hospital Indemnity Plans is their flexibility. You can choose a plan that fits your specific needs and budget. Whether it's a higher daily benefit or additional coverage for services like ambulance rides or skilled nursing facility care, these plans can be tailored to your unique situation.

The Peace of Mind Factor:

Beyond the financial benefits, Hospital Indemnity Plans offer something invaluable – peace of mind. Knowing that you're covered in the event of an unexpected hospital stay can alleviate stress and allow you to focus on your recovery rather than worrying about financial burdens.

Expert Guidance:

Understanding the nuances of these plans can be complex. That's why it's beneficial to seek guidance from experts who can help you navigate your options and find the best coverage for your needs. Brian Penner is a knowledgeable professional in this field, ready to assist you in making informed decisions about your healthcare coverage.

Conclusion:

In conclusion, combining Hospital Indemnity Plans with Medicare Advantage Plans can provide a robust safety net, ensuring that you're well-prepared for any medical contingencies. With the right plan in place, you can enjoy your retirement years with the assurance that you're fully protected.

Contact Information:

For a deeper understanding of how these plans can work for you, and to explore your options, reach out to Brian Penner at 435-260-5156. His expertise can guide you towards making the best choice for your healthcare needs.

Brian Penner

Insurance Broker

Back to Blog

Let Brian Scott Insurance Help!

If you have any questions about Medicare, please don’t hesitate to reach out to us. Brian Penner has been helping seniors for 18 years with their Medicare enrollment options.