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LIsa Caulkins - Trusted Advisor
LIsa Caulkins - Trusted Advisor
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Call: 1(520)977-5911

LISA CAULKINS

LISA CAULKINSLISA CAULKINSLISA CAULKINSLISA CAULKINS

Medicare & Small Group 

Professional & Advisor

Licensed in AZ, NV & TN 

Contact Us
Compare Medicare Plans

Call: 1(520)977-5911

LISA CAULKINS

LISA CAULKINSLISA CAULKINSLISA CAULKINSLISA CAULKINS

Medicare & Small Group 

Professional & Advisor

Licensed in AZ, NV & TN 

Contact Us
Compare Medicare Plans

About Us

Our Commitment

Everyone needs an effective and affordable healthcare plan that is best for them. Let us do the analysis to figure out what plan is the most appropriate for you. We can uncover a plan that fits your lifestyle and budget. 

Not everyone is the same and you deserve personal attention. 


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.


If you're a small business owner considering employee benefits for your team of 2 to 100, 

we specialize in finding affordable health insurance for companies just like yours.  

And we're passionate about delivering top service to our clients.  


Call to schedule a time to go over options and get a quote.


 REMEMBER, THERE IS NEVER ANY COST TO YOU FOR OUR ASSISTANCE!

Medicare or Small Group Coverage

Since we represent all the major carriers, we will 

help you find the Medicare right plan, whether you 

are looking for an advantage plan or a supplement (Medigap) plan, Group HMO pr PPO or you want to save on doctor visits, low-cost prescription medication and preventative health services.  We can help you!

Maps to the Markets

We work tirelessly to stay informed about the latest changes in the Medicare & Small Group 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 Medicare plans, we will let you know personally if a better 

plan comes your way. 

That is our commitment to you.

What We Cover

Advantage Plans - All Types

Medicare 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.

Supplement or Medigap Plans

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 a medicare 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.  Also, if you live in a rural area where the advantage plans are  not as rich in benefits, and have much higher potential maximum out out pocket caps, you may want to consider a medicare supplement plan.

Prescription Drug Plans (PDP)

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 possible 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  plan options for your area. However, not ALL carriers participate on the platform.  PLEASE reach out for an all inclusive comparison.

Group Health Plans

SMALL GROUP HEALTH PLANS

Are you a small business owner with 2 to 100 employees?  Are you thinking about offering medical benefits to your employees but are worried it's not affordable?  Well good news, there's many plans to consider and it makes a lot of economic sense to  have your employees insured.  Benefits for your employees means greater morale, less emplo

Are you a small business owner with 2 to 100 employees?  Are you thinking about offering medical benefits to your employees but are worried it's not affordable?  Well good news, there's many plans to consider and it makes a lot of economic sense to  have your employees insured.  Benefits for your employees means greater morale, less employee turnover and greater overall productivity.  You will see benefits also, like tax advantages, attracting more highly qualified employees and employee retention.

Medicare EXTRA HELP Program

Extra Help with Your Medicare Prescription Drug Plan Costs

  

Extra Help with Your Medicare Prescription Drug Plan Costs

The Extra Help program assists people with limited resources and lower incomes in paying for Medicare Part D prescription drug coverage. It also makes it so your part
B premium ($170.10) is paid for you.

Receiving Extra Help with your Medicare Part D can:

Eliminate the Medicare Part D late enrollment penalty

Reduce your out-of-pocket costs for prescription drugs

Eliminate your monthly Medicare Part D premiums

Reduce or eliminate your annual Medicare Part D deductible

Eliminate the coverage gap, also known as the donut hole

As Extra Help removes the donut hole, your prescriptions will not cost more when you exceed the annual spending limit. The program saves beneficiaries nearly $5,000 in Medicare Part D costs per year.

What are the Medicare Extra Help Income and Resource Limits for 2022?

In 2022, the annual income limit for Extra Help for an individual is $20,625, or $1,718 a month. For a married couple living together, the annual limit is $27,705, or $2,308 a month. When calculating your income, governmental assistance such as food stamps, housing assistance, and home energy assistance don’t negatively impact you.

You should apply if you think you qualify but your income exceeds the limits. You may still be eligible for Extra Help when your income is over the limit in some scenarios. These cases include when you or your spouse:

Provide financial support for other family members currently living with you

Earn money by working

Reside in Alaska or Hawaii

Resource limits also apply when determining your eligibility. To be eligible for partial Extra Help, your resources must be equal to or below $15,510 as an individual or $30,950 with burial expenses as a married couple living together. Without burial expenses, the resource limit for an individual is $14,010 and $27,950 for a married couple.

To receive full Extra Help benefits, the resource limit with burial expenses for an individual is $9,900 and $15,600 for a married couple. Without burial expenses, the resource limit for an individual to receive full Extra Help benefits is $8,400 and $12,600 for a couple.


If you’d like help applying for this program, call or text me and I am happy to help.

If you would like to apply on your own, visit https://secure.ssa.gov/i1020/start

Reviews

More Reviews

Review - Susan Hallowell

"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 

Review - Catherine Faley

 "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

Contact us

Request a quote or ask questions

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Personalized coverage options start here!

Please send us a message if you have any questions. LisaMedicareGal@Protonmail.com is my encrypted email, or fill out the form.

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Medicare & Small Group Professional

Call or Text me at 1(520)977-5911

Hours

Monday - Friday:  9a - 5p

Saturday - Sunday: By Appointment

Evenings By Appointment



 We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. 

Call Lisa Caulkins - Medicare & Small Group Health

1(520)977-5911

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