I’m Charles Clark and I live in the beautiful state of Utah where we enjoy beautiful snow covered mountains, red deserts, and everything in between. My wife and I have been married for 40 years. We love spending time with our family. We have a 3 year old granddaughter and a six year old grandson that live a block away from us and keep us busy and hopefully young!
I have over 5 years experience helping people to enroll in a medical insurance plan that best serves their interests. I ask questions to discover your needs in medical insurance. Why? Because this is not a “Cookie Cutter” business, and your needs are unique to you. I welcome your questions and will take the time needed to find you the perfect plan. I specialize in Medicare Advantage plans, working with all of the major insurance companies and I’m licensed in 45 states.
My mission is to be your Medicare resource for life.
Depending on the plan, you may enjoy coverage for Medicare Part A and Part B, prescription drug and routine dental, vision and hearing care—all in one easy to manage Humana plan.
Medicare Advocates offers Mutliple stand-alone prescription drug plans designed to help you manage the cost of prescription drugs.
These plans (sometimes called “Medigap” insurance) may help pay some of the healthcare costs that Medicare Parts A and B don’t, like coinsurance, copayments or deductibles.
Medicare Advantage plans are offered by private insurance companies—like Medicare Advocates—contracted by the federal government. Medicare Advantage, also referred to as Medicare Part C, covers the same healthcare services as Original Medicare, with the exception of hospice care. Many Medicare Advantage plans also include prescription drug coverage.
In addition, many Medicare Advantage plans include coverage for vision, dental and hearing care. Health and wellness benefits like fitness programs may be offered, as well.
With Medicare Advantage plans, instead of paying your healthcare bills directly, the federal government pays private insurance companies—like Humana—to administer your coverage.
While there is a monthly premium for Medicare Advantage plans, many private insurance companies choose to offer affordable or $0 plan premiums to compete for your business. They also set the guidelines for your deductible, coinsurance and copays. This information is readily available on private insurers’ websites, or you can make an appointment with a licensed Medicare Advocate sales agent to learn the details for Carrier plans.
As with Original Medicare members, Medicare Advantage members must continue to pay their Part B premium.
Medicare Supplement insurance, often called Medigap coverage, helps pay some of the healthcare costs that Original Medicare doesn’t cover. That may include:
You’ll pay a monthly premium for a Supplement plan in addition to your Part B premiums. A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.
With Medicare Advantage plans, instead of paying your healthcare bills directly, the federal government pays private insurance companies—to administer your coverage.
While there is a monthly premium for Medicare Advantage plans, many private insurance companies choose to offer affordable or $0 plan premiums to compete for your business. They also set the guidelines for your deductible, coinsurance and copays. This information is readily available on private insurers’ websites, or you can make an appointment with a licensed Medicare Advocate sales agent to learn more
As with Original Medicare members, Medicare Advantage members must continue to pay their Part B premium.
With Original Medicare, a primary care doctor is not required. You can visit any doctor who accepts Medicare.
With a Medicare Advantage plan, your choice of doctor depends on whether you select a health maintenance organization (HMO) or preferred provider organization (PPO) plan.
With an HMO plan, you can choose your primary care physician from any doctor in the plan’s network. If you opt for a PPO plan, generally, choosing a primary care physician is optional. With both types of plans, you’ll usually save money by visiting a network provider.
It’s important to note that Medicare Advantage plans must offer emergency coverage outside of the plan’s service area, anywhere in the U.S.
To serve our customers across the country, Medicare Advocate has dozens of local Agents