Medicare doesn't cover everything.Do you know where your gaps are?
Whether you're turning 65, already on Medicare, or weighing your options during Open Enrollment, Kelli Callihan Ostrander is here to help. No pressure. No one-size-fits-all answer. Just education, experience and help understanding your options.
Helping Virginia residents make sense of Medicare since 2005.
Mind the Medicare gap
What could a gap in your coverage cost you?
$500? $2,000? $10,000? It depends on your health, your coverage and what happens. That's why Medicare planning shouldn't stop at "I have a Medicare card, so I'm all set."
Hospital costs
Deductibles, copays and coinsurance can still apply.
Dental
Original Medicare generally doesn't cover routine dental care.
Vision
Routine eye care isn't covered the way many people assume.
Hearing
Hearing needs often grow as we age. Coverage varies.
Cancer
A diagnosis creates costs well beyond treatment itself.
Heart attack & stroke
Rehab, travel and recovery time add up.
Recovery & home care
Getting home isn't the same as help once you're there.
Prescriptions
Drug coverage and formularies change year to year.
Medicare is the beginning of the conversation. Not the end.
Three situations. One place to start.
You're new to Medicare
Part A, B, C, D, Medigap, Advantage. Kelli walks through the choices in plain English, based on your doctors, prescriptions and budget. Not your neighbor's.
You have Medicare, but questions
What does your plan actually pay for? What are you responsible for? Where could you be financially exposed? Let's find out before you need it.
You're preparing for Open Enrollment
October 15 through December 7. Plans change, costs change, and so do your needs. Review, compare, decide, even if you keep exactly what you have.
Meet Kelli
Medicare since 2005. Nearly 1,000 client relationships.
Kelli's philosophy is simple: listen first. Understand your healthcare needs, prescriptions, priorities and budget. Explain the options. Answer the questions. Then help you make an informed decision.
The goal isn't to put everyone into the same plan, and Kelli isn't going to tell everyone to switch. It's to help each person find coverage that fits their individual needs from the options available through her agency.
Turning 65? Save this checklist.
- Understand Medicare Parts A & B
- Know your enrollment timeline
- List your prescriptions
- List your doctors
- Think about your budget
- Compare coverage options
- Understand dental, vision and hearing benefits
- Identify potential coverage gaps
- Ask your questions
- Talk to Kelli
Kelli's clients say it best
No pressure. Just a conversation.
"She will listen to your needs and wants and suggest what she thinks is best for you. No hard sale or pressure. She leaves the decision up to you."
"During open enrollment, she has let me know when a new plan was available in case I was interested. She's the best!"
"They made it simple and answered all my questions."
October 15
Medicare Open Enrollment runs October 15 through December 7.
Don't wait until December 6 to start thinking about it. Bring three things to your review: your prescriptions, your preferred doctors and your current plan information.
Your Medicare. Your health. Your retirement.Your decision.
You don't have to figure all of this out by yourself. Kelli's job isn't to make the decision for you. It's to help you understand your needs and the options available through her agency, ask the right questions and make an informed choice.