323.455.4961

Medicare

Medicare 2019 Part B Premium Increase

I’m impressed!  For the majority of Medicare beneficiaries, the government has kept increases to a minimum for 2019 that is, unless you make more money.  If you’re in that ballgame, you’re going to get a hefty increase (see below).  The STANDARD monthly premium for Medicare Part B enrollees will be $135.50 for 2019, only an increase of $1.50 from $134 in 2018.   Medicare Part B covers physician services, outpatient hospital services, certain home health services, durable medical equipment, and certain other medical and health services not covered by Medicare Part A.  More Medicare announcements:

PART B ANNUAL DEDUCTIBLE INCREASE:

The annual deductible for Medicare Part B beneficiaries is $185 in 2019, an increase of $2 from the annual deductible $183 in 2018.  

PART B ANNUAL INCOME RELATED MONTHLY ADJUSTMENT AMOUNTS (IRMAA) INCREASE:

No one wants to date IRMAA 🙂   Your Part B monthly premium is based on your income (MAGI).  IRMAA affects roughly 5 percent of people with Medicare Part B.  

Beneficiaries who file 
individual tax returns with income:
Beneficiaries who file
joint tax returns with income:
Income-related monthly adjustment amount Total monthly premium amount
Less than or equal to $85,000 Less than or equal to $170,000 $0.00 $135.50
Greater than $85,000 and less than or equal to $107,000 Greater than $170,000 and less than or equal to $214,000 $54.10 $189.60
Greater than $107,000 and less than or equal to $133,500 Greater than $214,000 and less than or equal to $267,000 $135.40 $270.90
Greater than  $133,500 and less than or equal to $160,000 Greater than $267,000 and less than or equal to $320,000 $216.70 $352.20
Greater than $160,000 and less than $500,000 Greater than $320,000 and less than $750,000 $297.90 $433.40
Greater than or equal to $500,000 Greater than or equal to $750,000 $325.00 $460.50

Premiums for high-income beneficiaries who are married and lived with their spouse at any time during the taxable year, but file a separate return, are as follows:

Beneficiaries who are married and lived with their spouses at any time during the year, but who file separate tax returns from their spouses: Income-related monthly adjustment amount Total monthly premium amount
Less than or equal to $85,000 $0.00 $135.50
Greater than $85,000 and less than $415,000 $297.90 $433.40
Greater than or equal to $415,000 $325.00 $460.50

PART A PREMIUM:

Most people that have 40 quarters of coverage with Social Security, will not pay a Part A premium.  If you do not qualify (immigrant to the US, worked a job that does not pay into Social Security, did not report your income, etc.), you can buy Part A.  If you are age 65 and over and have FEWER than 40 quarters of coverage and certain persons with disabilities can elect to pay a monthly premium for Medicare Part A of $437/mo in 2019. 

Individuals who had at least 30 quarters of coverage or were married to someone with at least 30 quarters of coverage may buy into Part A at a reduced monthly premium rate, which will be $240 in 2019. 

PART A DEDUCTIBLE:

The Medicare Part A inpatient hospital deductible will be $1,364 in 2019.  Medicare Part A covers inpatient hospital, skilled nursing facility, and some home health care services.  About 99 percent of Medicare beneficiaries do NOT pay a Part A premium since they have at least 40 quarters of Medicare-covered employment.  

Part A Deductible and Coinsurance Amounts for Calendar Years 2018 and 2019
by Type of Cost Sharing

2018 2019
Inpatient hospital deductible $1,340 $1,364
Daily coinsurance for 61st-90th Day 335 341
Daily coinsurance for lifetime reserve days 670 682
Skilled Nursing Facility coinsurance 167.50 170.50
Hoffman Insurance Resources is an independent insurance brokerage agency specializing in Medicare and individual/family health plans.  We are contracted with over 40 companies, Covered CA certified and Medicare certified with 13 carriers.  Physically located in the Los Angeles area, we are also contracted in many states throughout the country.  We pride ourselves on doing what’s right for our clients (whether we make money or not), educating you, being your advocate after the sale and exceeding your expectations. We accept only the insurance company commissions so there are NO extra charges for our assistance and guidance.  From ObamaCare through MediCare…we truly Care!  Check out our reviews on Yelp and Google 🙂
  Debbie@Go2HIR.com               323.455.4961            www.Go2HIR.com           https://www.facebook.com/hoffmaninsuranceresources

 

2019 Social Security Increase!

Great news!  Social Security announced a 2.8% COLA increase for 2019!   Woah now…don’t go spending it all yet  :/  Because Social Security has a rule called the ‘hold harmless provision’, you may not see all of that raise on your monthly check.  Why?  This rule prevents Medicare premiums from increasing by more than your Social Security check and a couple of years ago, that happened.  Many recipients are still catching up to the Medicare increase from a few years ago.

More Social Security changes:

HIGHER INCOME EARNERS MAXIMUM INCOME LIMIT RISING:

Social Security taxes earned income at 6.2% for employers and 6.2% for employees, up to a certain earned income threshold.  This is known as the Social Security ‘maximum taxable earnings’.  For 2019, the maximum taxable earnings will increase by $4,500 — from $128,400 to $132,900. 

EARNINGS TEST PENALTY LIMITS INCREASING:

There is a rule If you work before your ‘Full Retirement Age’ (FRA – 66 for most people in 2019), you can earn up to a certain amount without your benefits being affected.  If you earn more, your benefit is penalized:

-The years before you reach FRA:  You can earn up to $17,640/year

-You reach FRA age during 2019:  You can earn $46,920/year

HOW MUCH EARNINGS CONSTITUTES ONE (1) SOCIAL SECURITY CREDIT:

It takes 40 ‘quarters of coverage’ (also known as credits) to qualify for Social Security (and Medicare) benefits.  In 2019, one credit = $1,360 in earnings.  You can only earn four (4) credits per year.  This becomes important for those that need more quarters to qualify for FREE Medicare Part A premiums!

Hoffman Insurance Resources is an independent insurance brokerage agency specializing in Medicare and individual/family health plans.  We are contracted with over 40 companies, Covered CA certified and Medicare certified with 13 carriers.  Physically located in the Los Angeles area, we are also contracted in many states throughout the country.  We pride ourselves on doing what’s right for our clients (whether we make money or not), educating you, being your advocate after the sale and exceeding your expectations. We accept only the insurance company commissions so there are NO extra charges for our assistance and guidance.  From ObamaCare through MediCare…we truly Care!  Check out our reviews on Yelp and Google 🙂
  Debbie@Go2HIR.com               323.455.4961            www.Go2HIR.com           https://www.facebook.com/hoffmaninsuranceresources

 

Avoid having to break the bank to pay for Medicare!

We see this ALL the time!  A client comes to us when they are turning 65 or ready to terminate their employer group plan.  Since we educate our clients, we help them to figure out how much their Medicare premiums will be.  Many times, our clients’ jaws hit the floor when we tell them what they will be paying.  “But but but…I’m retiring and my income will be dramatically lower!”, is usually their response.  Weeeelllll, Social Security and Medicare can care less about that little tidbit of info.  What they look at is – what was your income TWO 2 years ago!  The next response is, “OMG…that’s when our CPA and financial planner advised us to sell our rental property!  And the next year, they suggested we convert our IRA to a Roth IRA!”.   Yikes!!  My guess is, the next conversation with those two professionals won’t go very well :/   
Affectionately known as IRMAA, the Income Related Medical Adjustment Amount will be assessed on your Part B (Doctors/Outpatient) AND your Part D (Drugs) until you can PROVE your Modified Adjusted Gross Income (MAGI) is lower.  Poor IRMAA…NO ONE WANTS TO DATE IRMAA!  There are ways to avoid and eliminate IRMAA but you may have to pay higher costs until you can prove your income is lower.  Many times, that may be till you file your taxes the next year.  Unless you plan, you may be paying significantly higher rates for up to one year 🙁
For most people, here’s how it works:
 
1)  Look at Line 37 of your personal tax return. That’s your AGI.
2)  For your MAGI (good to check with your CPA for you exact MAGI), there are a lot of items to add back in but the two main ones that we see are:
  • Untaxed social security
  • Tax-exempt interest/dividends

3)  Go to:  https://debbiehoffman.com/medicareplans/   Scroll down for the IRMAA charts.  Find your tax filing situation and you’ll easily what your IRMAA can possibly be.

How can you avoid or minimize IRMAA?  During the 1 – 3 years before enrolling into Medicare:

  • THREE (3) years before you go onto Medicare:
    • Sell any property that will incur a capital gains.
    • Be finished converting IRA’s to ROTH IRA’s by this year.
  • TWO (2) years before you go onto Medicare:
    • Contribute as much as possible to your retirement accounts.
    • If your earnings are very high and you contribute the maximum to your retirement accounts, check with your financial planner and CPA about selling some assets at a loss during both years before applying for Medicare.
    • Consider buying rental property.  Normally, you can count on the depreciation and expenses to fix up the property which many times will give you a loss during the first few years.  AND the loss appears on the front page of your 1040 which lowers your MAGI!
    • Consider starting a business.  Many times, you’ll have a loss those first few years with start-up costs and it can offset your earnings.
    • Consider holding off starting your Social Security benefits until your income will be lower.
    • If you have a lot of tax-exempt interest, consider moving those into a financial vehicle that can ‘defer’ the interest (a deferred annuity).

If there is no way to avoid it, when you can PROVE your income will be lower, file a reconsideration form with Social Security.  When the time comes, file your taxes asap and run (don’t walk) to your local Social Security office with your taxes in hand and this form:  https://www.ssa.gov/forms/ssa-44.pdf.  Social Security will then adjust your Part B and Part D premiums to your normal MAGI.

Is your head about ready to explode?  No worries!   Just call us and we easily walk you through what to do.  Better yet, have your CPA and financial planner call us and we’ll all work on together for you 🙂  Remember to reach out to us at AGE 62 or 3 years from when you will be applying for Medicare so we can really work our magic!

 

Hoffman Insurance Resources

323.455.4961

 

By calling the number listed on this page, you will be reaching a licensed insurance agent.  Debbie Hoffman and Melinda Gann are not connected with the Federal Medicare program.

Additional Counties in CA Added to the Special Election Period for Medicare!

Additional counties in California will have a Special Election Period (SEP) available for Medicare beneficiaries affected by the California wildfires.  *FEMA declared an emergency or major disaster for the following counties:

New counties added as of Dec. 8, 2017*:

-Los Angeles
-Riverside
-San Diego
-Santa Barbara
-Ventura

Counties previously issued with an SEP:

-Butte
-Lake
-Mendocino
-Napa
-Nevada
-Orange
-Solano
-Sonoma
-Yuba

Special Election Period Overview

The wildfires in California have caused and continue to cause disruption. The Centers for Medicare & Medicaid Services (CMS) has extended a SEP to Medicare beneficiaries affected by the fires. The SEP runs from the start of the incident through Dec. 31, 2017.

Who is eligible?

Any beneficiary who resides in, or resided in, an area for which the Federal Emergency Management Agency (FEMA) declared an emergency or major disaster (see www.fema.gov/disasters) is eligible for the SEP, if the beneficiary was unable to enroll in a plan during another qualifying election period. In addition, beneficiaries who do not live in the impacted areas but receive assistance from someone living in one of the affected areas also qualify for this SEP.

What does this mean for Medicare beneficiaries?

Eligible beneficiaries who were unable to make a plan selection during the Annual Enrollment Period (AEP) have until Dec. 31, 2017, to enroll in a 2018 plan. Eligible beneficiaries who wish to change their health and/or prescription drug plan, but were unable to do so during the Annual Enrollment Period (Oct. 15, 2017-Dec. 7, 2017), will now have until Dec. 31, 2017, to enroll in a 2018 plan. Enrollments taken between Dec. 8 and Dec. 31, 2017, are effective Jan. 1, 2018.
Eligible beneficiaries who were eligible for a different SEP, or aged into Medicare, but were unable to enroll during the allotted time period, will have their election period extended. Eligible beneficiaries who had/have a qualifying election period (e.g., aged into Medicare, are aging into Medicare or are qualified for a different SEP) but were unable to enroll in a plan during the allotted time, have until Dec. 31, 2017, to enroll. Enrollments received are effective the first day of the following month. For example, if a beneficiary aged into Medicare and had until Aug. 31, 2017, to enroll but was unable to complete the enrollment process, the beneficiary can enroll now. If the beneficiary enrolls Oct. 28, 2017, the beneficiary’s plan will be effective Nov. 1, 2017.

What is needed as proof the beneficiary was affected by an affected area?

If the beneficiary is unable to provide proof that they reside in an affected area, the beneficiary just needs to verbally attest that they lived/live in an area impacted by the wildfires.

MEDICARE ISSUES A SPECIAL ELECTION PERIOD FOR THOSE AFFECTED BY CA WILDFIRES

The Centers for Medicare & Medicaid Services (CMS) has extended a Special Election Period (SEP) to Medicare beneficiaries affected by the wildfires in CA. The SEP runs till Dec. 31, 2017.

Who is eligible?

Any beneficiary who resides in, or resided in, an area for which the Federal Emergency Management Agency (FEMA) has declared an emergency or major disaster (see www.fema.gov/disasters or the list below*) is eligible for the SEP, if the beneficiary was unable to enroll in a plan during another qualifying election period. In addition, beneficiaries who do not live in the impacted areas but receive assistance from someone living in one of the affected areas also qualify for this SEP.

*FEMA declared an emergency or major disaster for the following counties:

  • Butte
  • Lake
  • Mendocino
  • Napa
  • Nevada
  • Orange
  • Solano
  • Sonoma
  • Yuba

What does this mean for beneficiaries?

Normally, Medicare beneficiaries only have till December 7th to make changes to their Part C (Medicare Advantage) or Part D (Drug) plans.  Eligible beneficiaries who are unable to make a plan selection during the Annual Enrollment Period (AEP) have until Dec. 31, 2017, to enroll in a 2018 Plan.  Enrollments taken between Dec. 8th and Dec. 31st 2017, will be effective Jan. 1st 2018.

Verifications

  • Individuals must show proof that the beneficiary resided in an affected area (e.g., driver’s license or utility bill reflecting the beneficiary’s address).
  • If the beneficiary is unable to provide proof, ask the beneficiary if they attest that they lived/live in an area impacted by the wildfires.
  • Once eligibility is verified, the application can proceed.
  • Only paper applications can be used. Use the SEP election type code on the application, and write in ‘Weather Related Emergency’ or ‘Fire’.

If you are not sure if you fall under these guidelines, give us a call and we can check for you – 323.455.4961.

Medicare and ObamaCare (Individual and Family) Annual Open Enrollment

Are you overwhelmed with the ads on TV about your health insurance plan options?  Is your table piling up with mail from every insurance company and agent?  The reason is, it’s Open Enrollment time for Medicare and Individual/Family (affectionately known as ObamaCare).  This is the period where you can switch plans or enroll into a new Part C (Medicare Advantage Plan) and Part D (Part D Plan) OR individual/family health insurance plan.  Here are the dates:

MEDICARE – October 15th – December 7th

INDIVIDUAL/FAMILY – CA, October 15th – January 15th (depending on your State – some are from Nov 1st – Dec 15th)

What to look for?  All plans seem to change something, especially the drug formulary (the list of medications they cover and which Tier they’re covered on). Look at your ANOC (Annual Notice of Change) booklet that you recently received (or call your Plan if you haven’t received it yet).  The first few pages will tell you what is changing in your Plan for the next year. There are also new Plans that are created each year and research needs to be done to see if there is another Plan that may offer you better benefits.   Many Medicare Advantage Plans offer extra benefits like chiropractic, acupuncture, vision, hearing, dental or gym memberships.  If you feel your Plan is good for you next year, there is nothing to do.  It will simply roll over.

Look for the ‘Star Ratings’ of the Medicare Plans also.  Medicare gives an overall rating of the Plan’s quality and performance for the types of services each plan offers.  For plans covering health services, this is an overall rating for the quality of many medical/health care services that fall into 4 and 5 different categories.  From my experience, there is a reason a Plan gets a low rating so BEWARE!                                         

Medicare uses a 5 Star Rating

This is also the time for those that are uninsurable (maybe in a nursing home or just diagnosed with cancer, etc.) to possibly obtain ‘guaranteed issue‘ into a MediGap supplement plan. If ANY benefit in your Medicare Advantage Plan increased by 15% or was eliminated, a window opens for you to go back to original Medicare (Part A & B) and obtain a MediGap Supplement (with NO insurable questions asked) and a stand alone Part D Plan (for drugs).   With this option, it gives you the choice to see ANY Provider that accepts Medicare, no referral needed!  It comes in handy if you want to go to a skilled nursing facility of your choice or have a surgery from a particular Surgeon.  

If your loved ones or neighbors are on Medicare, please help them.  Many times, they stay on the same Plan because they just don’t know who to turn to.  You can make a huge difference in their lives by having them to call us!

So what’s a person to do?  You can do your own research by going to Medicare.gov/Healthcare.gov OR reach out to an independent insurance broker/agent such as ourselves.  Imagine if you could put your head on your pillow tonight, knowing all this was behind you and you knew you made the right choice!  That’s what WE do for you!  We conduct a thorough search and will let you know if your Plan is right one or if you should look at other options.  The icing on the cake…there is no extra charge for our services!  How do we get paid?  If another Plan is better and we’re able to enroll you, we receive a commission from the insurance company.   If you’re on the best plan, we’ll let you know that too!  Make sure the person you are working with is REALLY independent and represents MANY companies.  We have come across many agents that are independent, however they are only Medicare certified with one or two companies :/   At Hoffman Insurance Resources, we are contracted with over 40 companies and Medicare certified with 13 carriers.  YOU’RE best interest is our interest, whether we get compensated or not.  If that wasn’t enough, we’re here for you AFTER we enroll your plan.  We’re your advocate and can help with everything from getting another ID card to helping with a bill you don’t understand.  Check out our Yelp and Google reviews.  Our clients are amazing and very giving  of their stories.  We’re sure one or two will resonate with your situation.  Your only assignment is to reach out to us early because it gets quite busy during the last week of Open Enrollment and our time is extremely limited.  Looking forward to hearing from you!

Hoffman Insurance Resources is an independent insurance brokerage agency specializing in Medicare and individual/family health plans.  We are contracted with over 40 companies, Covered CA certified and Medicare certified with 13 carriers.  Physically located in the Los Angeles area, we are also contracted in many states throughout the country.  We pride ourselves on doing what’s right for our clients (whether we make money or not), educating you, being your advocate after the sale and exceeding your expectations. We accept only the insurance company commissions so there are NO extra charges for our assistance and guidance.  From ObamaCare through MediCare…we truly Care!  Check out our reviews on Yelp and Google 🙂

Debbie@Go2HIR.com      323.455.4961      www.Go2HIR.com    https://www.facebook.com/hoffmaninsuranceresources

 

THIS IS GREAT NEWS!! Medicare ID Card Changes a’coming!

Did you know the number of identity theft victims age 65 or older increased from 2.1 million in 2012 to 2.6 million in 2014?  In fact, thieves consider your Medicare number and other protected health information more valuable than credit card information because people can reuse them to bill Medicare for services that you didn’t get.  When people steal your identity and bill Medicare for items or services you didn’t get, it drives up costs for everyone.

Starting in April 2018, Medicare is replacing the Social Security-based Medicare number with a new Medicare number, and will mail you a new Medicare card with your new number.   FINALLY!!  You don’t have to do anything to get your new card and new number.  Be aware, I’m sure there will be thieves that will try to take advantage of this change so if someone calls you and asks for your Medicare number, hang up!  Medicare will NEVER call you and ask for personal information for you to get your new card so if someone calls you, it’s a scam.  Please let your loved ones on Medicare know of the changes and of the possible scams that will arise.
 
Remember, the first and best line of defense against fraud is you. You can help fight Medicare fraud in 2 simple steps:
 
1)  Protect your Medicare number—treat it like you treat your credit card number.  If fact, if your Doctors office already has a copy of your Medicare card, make a color copy and put your original away with your social security card.  Cut out the first 5 digits of the color copy and laminate it.  Carry the copy with you instead of the original.
2)  Check your Medicare statement for errors, like equipment or services you never got.  Many of my clients have had this happen.  Report it to Medicare and they’ll investigate it for you.
Resource:  https://www.cms.gov/Medicare/New-Medicare-Card/index.html
medicare

Avoiding Medicare Part B Penalty, Part 1 – Medicare Eligible and Covered Under an Employer Group Plan

Welcome and thank you for reading my very first blog!  I’m extremely honored and grateful you chose to spend a few minutes of your time with me.   My goal is to bring something valuable to your life that will put you in a better health and wealth position AND make confusing subjects, easier to understand.  One of the most disheartening parts of our job as an independent insurance agent is to give bad news to a client and not being able to do anything about it.  From our vast experience, I’d like to use this blog to help you avoid some of the ‘gotchas’, pitfalls and crazy rules that could get you in a pickle later.    

If you hadn’t noticed, Medicare can be very confusing.  There are some really quirky rules in Medicare and this is one of the craziest.  It’s relatively easy to enroll into Medicare when you turn 65 and your situation is pretty straight forward.  However, if you have something out of the ordinary, you need to know the rules so you won’t get penalized in the future.  This has popped up a few times in my career so it’s good to realize it’s a problem in case you know of anyone that fits the situation. You don’t have to know ALL the rules, you just have to be aware it could be a problem and know where to seek guidance.  Unfortunately, many of Social Security’s own staff do not understand this rule.  It has to do when do you apply for Part B if you are covered under an employer group plan.  The rule (from Medicare.gov) is you can delay Part B (and avoid the penalty) if:

  • You have insurance through an employer or union.
  • You or your spouse (or family member if you’re disabled) are still working.

Notice the 2nd part of the rule…’still working‘.  That’s the part most people miss.  But wait…there’s more!  In addition to being penalized, you cannot apply for Part B at just anytime of the year unless you have a ‘special circumstance’.  This situation does NOT fall under one of their ‘special circumstances’ and therefore you can ONLY apply during the Part B Open Enrollment which is from January 1 – March 31st.  But wait…there’s even more!!  Your Part B won’t become effective until July 1st!

Here are a couple of stories that illustrate the problem:

  1.  Betty retires at age 60, her spouse, Bob, is 65.  Part of her School District’s contract with the union covers her for insurance till she turns 65.  That’s normally a great benefit, UNLESS your spouse is eligible for Medicare!  In this case, Bob delays Part B because he is still covered under the group plan.  When she turns 65, they both go into their local Social Security to apply for Part B where they are informed Bob will have to pay a penalty because he did NOT obtain Part B when she ‘stopped working’. The Part B penalty is 10% for each year he didn’t have the Part B = 50% of the current Part B premium!  For 2017, the Part B premium is $134, therefore, he pays an additional $67/month…FOREVER!  AND it will increase as the Part B premiums increase.

AVOIDING THE PENALTY:  When Betty retired at age 60, Bob should have applied for his Part B at that time. 

  1. Susan, age 64, has an accident at work and goes onto worker’s compensation.  When she turns 65 (even though she isn’t technically working), her company continues to keep her on the employer group plan.  At that time, she goes to her local Social Security office where she meets with an agent and is upfront, informing the agent that she is out on disability but still covered under her group plan.  The Social Security agent tells her that she can delay her Part B.  After 2 years of being on disability, the employer group plan stops.  She goes back to the Social Security office and they inform her that she will be penalized 20% for 2 years of not having Part B when she was eligible.  The good news is she kept VERY good notes, recorded the date/time and name of the agent.  This is IMPORTANT because everything is video recorded at the SS office and they can look back at the recordings to verify her story.  Because it was a Social Security agent that misinformed her, she is currently appealing through Medicare (we’ll discuss appeals in another blog).  My thought is she will have the penalty reversed because she kept good notes and SS misinformed her.

AVOIDING THE PENALTY:  When Betty turned age 65, she should have applied for his Part B at that time. 

So think about it, if Bob or Susan tried to apply for their Part B on April 1st, they have to wait till January 1st of the NEXT year AND they won’t have coverage till July 1st of the NEXT year.  Yikes!  That means they will have to go without doctor/out patient medical coverage for 1 year and 3 months or have to purchase an individual plan at exorbitant rates because they are over age 65 (ESPECIALLY during ObamaCare).   In my opinion, this is insane and should be changed!

In summary, keep excellent notes when you speak with Social Security or Medicare.  Record the date, time and everyone’s name you speak with!   I also suggest asking different agents the same question to see if their answers coincide.  If possible, obtain something in writing.  AND hold onto to that info FOREVER!

https://www.medicare.gov/sign-up-change-plans/get-parts-a-and-b/should-you-get-part-b/should-i-get-part-b.html#collapse-3156

 

Debbie Hoffman is an independent insurance broker specializing in Medicare and individual/family health plans, contracted with over 40 companies and Medicare certified with 13 carriers.  Located in the Los Angeles area, she is contracted in many states throughout the country.  She prides herself on educating her clients, being their advocate and exceeding their expectations.  She accepts only the insurance company commissions so there are no extra charges for her assistance and guidance.  From ObamaCare through MediCare…Debbie cares.

debbie@debbiehoffman.com    323.455.4961