Review Your Insurance Options

Our team is standing by, to help you learn more...

GOT QUESTIONS?

We've got answers:

Where do I start?
Welcome, in order to get started on your insurance journey, we recommend that you read a few articles on our site that pertain to the type of insurance services that you're looking for -- so you can get better acquainted with the terminology, and get your questions written down and prepared for our staff. Once you've read over the information, we would encourage you to take the next step which is to call our offices (the number is located at the top of this website) in order to book a consultation or you can fill out a contact form, here. 
Is Medicare free?
Medicare does come with some costs associated.  In almost all cases, you must continue to pay your Part B premium. Most people pay the minimum which changes from year to year.  People with higher incomes, pay a higher rate according to a scale.  Contact us to review your rate. Our staff is dedicated to finding you the best options at the most affordable prices for your budget. Our strongest advice would be to fill out a contact form and schedule a meeting with Howell Silverman, at your earliest convenience. 
I have health insurance through work, why do I need Medicare?
It depends and varies according to your age and the number of employees in your company. For large company's Medicare will be the secondary provider and your work coverage will be your primary insurance. For small company's, Medicare will be the primary and your work coverage will be seconary.  We would encourage you to take the next step which is to call our offices (the number is located at the top of this website) in order to book a consultation or you can fill out a contact form, here.
Can I have Medicare & still keep my health insurance through work?
Yes.  You can have Medicare but not a Medicare Advantage plan. If you'd like to understand why, we're happy to explain it.  We would encourage you to take the next step which is to call our offices (the number is located at the top of this website) in order to book a consultation or you can fill out a contact form, here
Can I have a Medicare Advantage plan & still maintain my work insurance?

Unfortunately, the answer is NO.  You can have Medicare but not a Medicare Advantage plan. If you'd like to understand why, we're happy to explain it. We would encourage you to take the next step which is to call our offices (the number is located at the top of this website) in order to book a consultation or you can fill out a contact form, here

What's the difference between Medicare, a Medicare Supplement Plan, and Medicare Advantage?
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I heard I have to have Social Security in order to get Medicare, is that true?
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Is my medication covered?
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How much will it cost to see a doctor or a specialist?
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If I travel, can I still see a doctor?
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Do I still need Medicare if I get Medicaid?
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Is my pre-exisiting condition covered?
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How long does it take for me to get Medicare?
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When can I sign up?
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How much do you charge?
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Is there a penalty if I don't sign up for Medicare and then want it later on?
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ABOUT HOWELL SILVERMAN INSURANCE:

WE PUT YOU FIRST

We are in the business of helping people with their personal and business insurance needs.

 

We specialize in MEDICARE, Medicare Supplement Insurance (Medigap), Medicare Advantage & Prescription Drug Coverage Plans.

 

If you're just turning 65, are already on a Medicare, Medigap, Medicare Supplement Plan or Medicare Advantage Plan, or a Prescription Drug Coverage Plan, or you simply want to know if you can save money, or learn about the extra benefits you may be entitled to, give us a call for a no obligation education discussion.

 

We help consumers save money, we help businesses reduce risk and we help families protect and preserve their financial future.

 

We offer all forms of insurance with personal service.

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No matter what you're looking for...

We've got your covered. 

 

We proudly work with the following carriers:

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