Everyone needs an effective and affordable plan that is best for them. Let us do the analysis to figure out what
plan is the best deal for you. We can uncover a plan that fits your lifestyle and budget. Not everyone is the same.
Whether you are new to Medicare, moving to a new area, or you have decided you need a more affordable plan,
we have you covered. We look at what's most important to you, your providers, your prescriptions, extra benefits
like dental or hearing aids, and we make sure you are getting the most value and coverage from your plan.
REMEMBER, THERE IS NEVER ANY COST TO YOU FOR OUR ASSISTANCE!
Since we represent all the major carriers, we will
help you find the right Medicare plan, whether you
are looking for an advantage plan or a supplement (Medigap) plan or you want to save on doctor visits,
low-cost prescription medication and preventative
health services. We can help you!
We work tirelessly to stay informed about the latest changes in the Medicare markets. We can provide you information on what your market has available right now and any expected changes. We can also let you know what plans are coming into your area for the next year. Since we represent many plans, we will let you know personally if a better plan comes your way.
That is our commitment to you.
Advantage plans take many shapes, HMO, PPO, HMO-POS, and more. An HMO plan uses doctors within a
network. PPOs and HMO-POSs allow you to see doctors outside of their network for a higher cost-share.
Advantage plans also have low MOOP (maximum out of pocket) limits that protect you in case of a catastrophic
event. Most Advantage plans also offer many ancillary products such as free gym membership, dental, hearing
and eye coverage. These types of plans have low premiums or no premium at all. There are even plans that
have a travel benefit to cover you out of your home service area for vacationing and snow-birds.
If you want a low cost plan that offers a lot, this is a great option.
Medigap plans are a great option if you want freedom to see any doctor that bills for Medicare. In other words, you don't need to be in a network or have referrals. However, these plans come with a premium that typically go up around 3% each year. In addition, you don't have a lot of the ancillary benefits that an advantage plan has. If you travel a lot or don't mind a higher premium in order to direct your own care,
this may be a good fit for you.
PDP plans are added to your original or traditional Medicare. When you first get A & B, you will need to enroll into a part D or prescription drug plan. Failure to do so within your initial enrollment period could cause you to be subject to a late enrollment penalty.
Many Advantage plans have part D included with no deductibles. However, adding a Part D plan to complement your supplement plan, there will be a premium, as well as a deductible. To learn more fill out the form at the bottom of this page.
Whether you are just turning 65 and new to Medicare, coming off of an employer group plan or retirement plan,
just moved to a new county or state or just want to check out your options we would love to help.
The COMPARE PLANS button above can show you many plan options for your area. However, not ALL carriers participate on the platfiorm. PLEASE reach out for an all inclusive comparison.
"When my husband and I became eligible for Medicare several years ago, we were overwhelmed with the seemingly endless choices and had no idea how to make a good decision. A friend suggested we contact Lisa Caulkins and it was one of the best decisions we’ve ever made. Lisa made the whole confusing process clear, simple and manageable. She is extremely knowledgeable, works diligently to find the right solution to any insurance problem and is always available to answer questions and provide support. Lisa is also one of the most kind, compassionate and reliable people I’ve ever met and it is always a pleasure to meet with her each year." 12/14/20
"I think of Lisa first as a friend and then as an insurance broker. She has always been most knowledgeable and helpful about my healthcare needs. She has been there for me over the years, sharing family stories and good wishes for me. Lisa is truly a lovely person and I cannot think of anyone more deserving to receive the title of "Favorite Insurance Broker/Agent" than Lisa Caulkins. " 12/2020
Please send us a message if you have any questions.
Feel free to fax any documents to (520) 844-3352
Monday - Friday: 9a - 5p
Saturday - Sunday: By Appointment
Evenings By Appointment