Turning 65?

Steven Lovell is your local Healthcare Benefits Specialist, a licensed insurance professional that specializes in Medicare.

Part A

Part B

Part C

Part D

Are You Missing Out On Additional Benefits?

We offer hassle-free, no-cost, no-obligation information for Medicare-eligible individuals!

You may have many questions about your healthcare options, and understand how you might be confused...

We Can help clear the fog on the following questions AND any additional questions that you might have and provide you with choices, options & solutions!

  • Annual Coordinated Election Period or Annual Enrollment Period or AEP?
  • Open Enrollment Periods (OEP)?
    Special Enrollment Periods (SEP)?
  • What Medicare Does and Doesn't Cover, Co-Pays & Deductibles?
  • What Is a Medicare Advantage Plan & Its Advantages vs Disadvantages?
  • What Is A Medicare Supplement, A Medigap, A HMO, A POS, Or A PPO?
  • What Is The Donut Hole ("The Black Hole")?
  • What To Do In The Coverage Gap?
  • Medications Not On Your Formulary?
  • Generics vs. Preferred Generics?
  • Formulary Determinations and Appeals?
  • Deductions From Social Security Checks For Medicare Part A, Medicare Part B?
  • Low-Income Subsidies - Do You Qualify? (How and Where to Apply)
  • How You May Be Able To Qualify For Help With Prescription Cost?
  • How You May Be Able To Qualify For Added Benefits, If You Have Heart Disease, Diabetes or COPD?
  • Find Out If Value Added Benefits Such As: Vision, Dental, Gym Benefits & OTC Benefits Are Available In Your County?
  • What To Do If You Qualify For Both Medicare & Medicaid & How To Find Out?
  • What Are The Penalties for Late-Enrollment For Medicare Part B Or For A Medicare Part D Prescription Drug Plan
  • What To Do If You Work Past Age 65 & Still Have Health Coverage At Work OR Thru Your Spouse?

Are you finding the world of healthcare benefits, Dental Plans, Medicare Part A, Medicare Part B, Medicare Part C, Medicare Part D Prescription Drug Plans, Medicare Supplements and Medicare Advantage Plans a bit more complex than you first imagined?

Did you know that you may have options to switch or change to a different healthcare plan during the year under certain qualifying circumstances? Everyone can change healthcare plans during AEP (Oct 15th - Dec 7th Every Year) and during OEP (Jan 1st - March 31st Every Year) those on MAPD's can switch plans once or even decide to return to Medicare Only...

You may also be able to change during other times during the year: If you move to a new area, have COPD, heart problems, diabetes or if you need extra help because of limited resources! To find out about additional benefits and your options, reach out to Steven via call, text, or email.

By the way, if you are turning 65, you have a 7-month window to sign up without penalty (different rules apply if still working with health coverage or have coverage through your spouse). Reach out to us - You have options & may even have additional benefits available & not even know it!

Rx Crisis In America?

20% of Healthcare Costs...

40% Skip Meds Due to Cost

There Are Discounts Available!

Healthcare Benefits

Choices, Options, Solutions

Are Your Receiving ALL Benefits,

That YOU Want, Need & Deserve?

Dental Crisis In America?

42% Can't Afford to Go...

100+ Million Don't Go At All

There Are Affordable Options!

Healthcare Benefits Workshops

Steven is happy to provide a complimentary educational workshop on healthcare benefits to your organization. Please click the button to access our workshop request form.

DISCLAIMER: THIS IS A NON-GOVERNMENT WEBSITE. Healthcare Benefits Network & its Websites is not an insurance or operating company but connects individuals with Local Helpline Specialist, who are licensed insurance professionals, and other affiliates. Healthcare Benefits Network & its Websites are not affiliated with any insurance plan nor does it represent or endorse any plan. By emailing, texting or calling the Ask The Helpline, you are giving the Helpline Specialist consent to contact you at either the phone number and / or e-mail address you provide. You are also giving the Helpline Specialist permission to call, text or e-mail you regarding Healthcare Choices, Options & Solutions, which of course does not obligate you to buy or purchase anything but is to educate you, in order for you to make an informed decision, on receiving the benefits that you want, need and deserve!

This website is a private (Non-Governmental) website and is not associated, endorsed or authorized by the Social Security Administration, the Veterans Administration, the Department of Defense, nor with any Territory, Township, City, Village, County or State, or with the Health Care Financing Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services nor do we claim to be. We do not offer every plan available in your area. Currently we represent 6 organizations offering 16 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options..

This website contains basic information about Healthcare Benefits, may also include ACA or Medicare, services related to ACA or Medicare and services for people with ACA or Medicare. If you would like to find more information about the Government Programs please visit the Official US Government Site for People with Medicare located at Medicare.gov or for People without Medicare located at Healthcare.gov for ACA Information. By using this site, you acknowledge that you have read and agree to the Terms and Conditions, and Privacy Policy. Not affiliated with the U. S. Government or Federal Medicare Program.