Our Focus
Looking for a Medicare Quote?
Here you can search plans in your area, and if you like, enroll. Please be sure to enter any medication considerations, or doctor/provider needs.
Medicare Plans
Medicare A & B eligble? Mailbox filling up with confusion? Health Insurance is not a one size fits all. So, if you are seeking clarity among the confusion, then let’s talk. Open Enrollment is Oct 15-Dec 7.
Individual and Family Plans
Need an Individual/Family Health Insurance and not on Medicare? These plans are known as ON Exchange or OFF Exchange Perhaps you need an Interim Plan, to cover you till you can get a plan
Travel Insurance
The insurance protection you need when you’re out of the country. These plans often pay the Doctors and Hospitals directly AND they have a handy APP for your phone to find covered locations and services!
Life Insurance
Life insurance is a crucial step in planning for your future and the future of your loved ones.
Lance Henderson Insurance Solutions
Meeting the needs of a dream means making sure that the future is secure. I can help you meet those needs, giving you the confidence and peace of mind so that you can focus on the future. Our Focus: Currently, due to the needs in our community, we are focusing our efforts on people entering or navigating Medicare. We help you understand what your options are, and how your individual needs factor into those choices.
Meet Lance
Lance Henderson
Lance's Updates
Commercials and my opinion
Many of you have seen Medicare related commercials lately. The ones I have been hearing about from clients are those that say something to the effect of “Call and see if you qualify for extra services, like $144 back each month” or You could also qualify for a $0 premium plan with extra benefits like Read more about Commercials and my opinion[…]
New Medicare Cards
Medicare will stop using Social Security numbers for identification. Beneficiaries who already have a Medicare identification card with their Social Security number, know that Medicare will mail you new cards with Medicare ID numbers. Mailing will begin in April 2018 and be completed by April 2019. The change is intended to protect beneficiaries from identity Read more about New Medicare Cards[…]
What are HMO, PPO, EPO Network Types?
Network Types When selecting a health plan, you will want to know about a few common NETWORK Types: PPO (Preferred Provider Organization): These plans do not require a Primary Care Provider and allow you to go to doctors outside of the Network. There may be different limits, and deductibles when using services that are considered “Out Of Network” One Read more about What are HMO, PPO, EPO Network Types?[…]
Medicare Open Enrollment
This information is NOT intended for those on GROUP retiree plans, or other Group plans, who wish to KEEP those plans. It is for those of you on individual Medicare. The Open Enrollment Period Starts Oct 15th 2017 and continues till Dec 7th 2017. This is when those of you with individual Medicare Advantage Read more about Medicare Open Enrollment[…]
Extra Help (Low Income Subsidy)
For those on Medicare, Social Security offers Extra Help for individuals with limited incomes and assets: Why is this important? The cost of prescription drugs can be challenging. Even more so for individuals that may not have the resources they once had, to pay for them. If you qualify for Extra Help, then you Read more about Extra Help (Low Income Subsidy)[…]
Covered under your or your spouses employer plan?
So, you are turning 65 or you are eligible for Medicare, and you are covered through your current employer’s group insurance, or through your spouse through their current employer’s group insurance. But now you are considering if you should get Medicare Part B. What should you do? How do you know? One quick note, which Read more about Covered under your or your spouses employer plan?[…]
What if they offer COBRA?
Please know, that if you have Medicare Part A (BUT not Part B), and you are offered COBRA that you need to be aware of when you can apply for Medicare Part B. IF you want Medicare Part B, you must do so within 8 months of losing active employer coverage. But your Read more about What if they offer COBRA?[…]
Creditable Coverage
Creditable Coverage for Prescription Drugs Is coverage that is expected to pay at least as much as Medicare’s Standard Prescription Drug Coverage, on average. Examples of creditable coverage are Employer or Unions plans, VA Benefits, TRICARE or Indian Health Services. If you HAVE creditable coverage when you become eligible for Medicare You typically can Read more about Creditable Coverage[…]
IRMAA what is it?
The Income Related Monthly Adjustment Amount (IRMAA) is a sliding scale approach to Medicare Part B and Part D cost to you. Okay, what does that mean? Well, frankly, if you did well, and your income was over a certain dollar amount, then Social Security may apply an IRMAA on your Medicare Part B and Read more about IRMAA what is it?[…]
Part B Deductible over the years
The Part B deductible has changed over the years. This becomes important in understanding how it impacts your Medicare Supplement plan choice. Part B Deductible over the years Year Annual Part B Deductible 1966-1972 $ 50.00 1973-1981 $ 60.00 1982-1990 $ 75.00 1991-2004 $ 100.00 2005 $ 110.00 2006 $ 124.00 2007 $ 131.00 2008-2009 Read more about Part B Deductible over the years[…]