Did You Know:
Most people don't realize that once they are eligible for Medicare, they are no longer a family unit. ​
Plans are selected on individual need.
It is my job to ensure you have accurate information to select the right option for your health needs and assist you with enrollment if needed.
​I CAN HELP!
My Name is Calinda Young
With over 6 years in the health insurance field and a former teacher and administrator, I am actively committed to providing education and clarity when helping you understand your healthcare choices!
Why Work with an Agent
MY CONSULTATIONS ARE ALWAYS FREE
I have extensive training and education on the plans and provider networks
I offer assistance whenever you need it
I will meet with you as often as is necessary to explain your coverages, discuss your needs and will assist you if any changes need to be made with your coverages
Medicare Questions?
I'm TURNING 65, now what? When rolling on to Medicare you must enroll in a timely manner in order to avoid penalties.
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What are MY CHOICES? When we meet, I will explain Original Medicare and Medicare Part C also known as Medicare Advantage, and the differences between them. Your choices are determined by the state and zip code in which you live.
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How much does Medicare COST? When we meet, we will discuss the fees associated with each part of the Medicare program.; deductibles, co-pays, coinsurance and premiums.
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How do I avoid a PENALTY? You avoid penalties by enrolling in Medicare within the program guidelines. Each part of Medicare has a different set of dates to which you are expected to enroll before and after your effective date.
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My MEDICATIONS are so expensive, what can I do? Each year I help you research drug plans to ensure the medications you need are included in your plan.
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How can I find out if MY DOCTOR IS IN NETWORK? I have tools at my disposal to research which doctors are in network.
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These are just a sample of the questions I receive... I am sure you have your own
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What are the parts of Medicare AND do I need them?
Part A
Medicare Part A is hospital insurance. It covers you during your "admitted" short-term inpatient stays in hospitals and for services like hospice. It also provides limited coverage for skilled nursing facility care and certain in-home healthcare services.
Part B
Medicare Part B is part of Original Medicare and is “medical insurance” which covers medically necessary outpatient expenses, including physician and nursing fees, as well as a range of services (such as x-rays, diagnostic tests, some vaccinations and renal dialysis) and some equipment.
Part C
​Medicare Part C is commonly known as Medicare Advantage. This is private coverage offered by private insurance companies, as opposed to being administered by the government; that combines the benefits of Part A and Part B and is an alternative to original Medicare.
Part D
Medicare Part D is optional prescription drug coverage that helps pay for prescription drug expenses.
I do not offer every plan available in your area. Any information I provide is limited to those plans I do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options. This is a proprietary website and email and is not associated, endorsed, or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site and email contain decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program, please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov