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Loreen & Lane’s Independent Brokers have over 100 hours of training in both Health and Life products and are able to offer an assortment of products to fulfill your needs.

Medicare Products

Original Medicare (Part A and Part B)

All U.S. citizens are eligible to receive Original Medicare at the age of 65. However, if you are under the age of 65, you may qualify for Medicare if you have: ALS, ESRD (End Stage Renal Disease) or have received disability income from Social Security for 24 months. Original Medicare consists of Part A (inpatient hospital services) and Part B (outpatient medical services). Prescription drug coverage is available separately under Medicare’s part D (Prescription Drug Plans) or through part C (Medicare Advantage Plans).

Only being enrolled in Medicare Parts A and B leaves you at risk of paying more out of pocket for many common medical bills, such as prescription drugs, specialists, dental care, and hearing aids, just to name a few.

Part A: Been a US citizen or legal resident for at least 5 years and have worked for at least 10 years. You are automatically enrolled at the age of 65.

Part B: Can be purchased at age 65 for a monthly premium.

New to Medicare: Let us help guide you through the complexities of Medicare. We are there for You!

Medicare Advantage (Part C)

Medicare Advantage plans are an alternative to Original Medicare. Medicare Advantage health insurance plans, also called “MA Plans” or “Part C”, are offered by private Medicare-approved companies. They may offer many of same preventive benefits found in HMOs (Health Mangement Organization) and PPOs (Preferred Provider Organizations)which may include Prescription drug coverage, Dental, Vision, Hearing, Wellness Programs, and Worldwide Emergency and Urgent care coverage.

Enrolled in Medicare Parts A and B.

Enrollment Period: You can only enroll during certain times during the year.

We would be happy to help identify if you are eligible for an enrollment period.

Medicare Prescription Drug (Part D)

Medicare prescription drug plan is a smart way to manage the cost of the medications. There are two options to receiving Prescription Coverage: Stand-Alone Prescription drug plans and Medicare Advantage Plans. Every plan has a unique medication formulary that can significantly effect the cost of your medications from plan to plan. Our Agent conducted prescription drug reviews which identify plans that may be able to provide you a significant cost savings and/or keep you out of the Coverage Gap/Donut Hole.

If you’re enrolled in Medicare Part A and/or enrolled in Part B.

Enrollment Period: You can only enroll in Prescription drug plan at certain times during the year similar to Medicare Advantage Plans.

We would be happy to help identify an election period for you.

Still confused? Let us help.

Medicare Supplement (Medigap)

Medicare Supplement insurance plans, “Medigap policies”, are used in conjunction with Original Medicare (Part A and Part B) to fill in coverage gaps, including copayments, coinsurance and deductibles, as well as emergency overseas healthcare. These plans are sold by private companies.

Medicare Supplement plans pay for costs you’d normally be responsible for paying under Original Medicare as long as you pay your monthly premium. The best is that you’re not required to use a network of providers—choose any doctor or specialist that accepts Medicare, and never worry about losing your preferred physician.

Medicare Supplement insurance plans do no not cover long-term care, hearing, vision, dental or prescription drug coverage. For Medicare plans offering coverage beyond hospital and medical insurance, see our Medicare Advantage plans.

Enrolled in Medicare Parts A and B.

Plans: All policies offer the same basic benefits, but some offer additional benefits, so you can choose which one meets your needs.


The chart below shows basic information about the different benefits Medigap policies cover.

Yes = The plan covers 100% of this benefit
% = The plan covers that percentage of this benefit
No = The policy does not cover that benefit
N/A = Not Applicable

Medigap Plans
Part A coinsurance
and hospital costs up
to an additional 365 days after
Medicare benefits
are used up
Part B coinsurance
or copayment
Blood (first 3 pints)YesYesYesYesYesYes50%75%YesYes
Part A hospice care
coinsurance or copayment
Skilled nursing
facility care coinsurance
Part A deductibleYesYesYesYesYesYes50%75%50%Yes
Part B deductibleNoNoYesNoYesNoNoNoNoNo
Part BNoNoNoNoYesYesNoNoNoNo
Foreign travel exchange
(up to plan limits)

* Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 in 2018 before your Medigap plan pays anything.

** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.

*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.

** Please note: Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.

Are you sure you are not confused?

We are here to help!

Life Products

Below are a few of the Life Insurance solutions we offer:

Term Life Insurance:

If you are looking to cover specific financial responsibilities in the possibility of your unexpected absence, like a mortgage or college expenses, for a specific time period at a reasonable price, consider term life insurance.

Whole Life Insurance:

Whole Life Insurance is designed to protect you your entire lifetime and offers level premiums. It differs from term insurance in that a portion of the premium goes into a guaranteed cash value account that is accessible.

Final Expense Insurance:

An affordable way to provide the financial resources necessary to cover your funeral costs and other final expenses or outstanding debts.

Universal Life Insurance:

A permanent insurance that can last a lifetime with the monthly premium building cash value within the policy.

Long Term Care ("LTC")

An insurance product that helps pay the cost of long term care; which is a variety of medical and non-medical services for individuals that are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living such as dressing, bathing, eating, toileting, and walking. Long term care insurance covers care services that generally are not covered by health insurance, Medicare, or Medicaid.

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