At Lopez and Sanders LLC, we offer a wide range of insurance products, including health insurance, life insurance, Our team is here to help you find the coverage that best fits your needs.

Getting a quote is easy! You can contact us by phone at (520) 287-7788 or email us at rlopezinsurancellc@gmail.com. We’ll gather some basic information from you and provide you with a personalized quote.

If you need to file a claim, please contact us immediately. Our team will guide you through the claims process and ensure you receive the support you need.

Medicare is a federal health insurance program for U.S. citizens and legal permanent residents who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease. It is divided into four parts: A, B, C, and D.

Medicare Part A covers inpatient care in hospitals, hospice care, home health care, and care received in a skilled nursing facility. It includes benefits such as a semi-private room, medications, meals, social services, and lab services.

For most people, Medicare Part A is premium-free if they or their spouse have worked and paid Medicare taxes for at least 10 years. If you do not meet these requirements, you may pay a premium based on the number of quarters you have worked.

Medicare Part B covers medical services outside of a hospital setting, such as outpatient procedures, preventive care, and telehealth visits. It typically covers 80% of approved services, with the remaining 20% being out-of-pocket unless additional coverage is in place.

Medicare Advantage, also known as Medicare Part C, is an alternative to Original Medicare. It combines Parts A and B and often includes additional benefits such as dental, vision, and prescription drug coverage. There are various plan types available, including HMO, PPO, PFFS, and SNPs.

Medicare Part D provides prescription drug coverage. It helps cover the cost of medications and is available as a standalone plan or as part of a Medicare Advantage plan.

U.S. citizens and legal permanent residents who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease are eligible for Medicare.

You can enroll in Medicare online, by phone, or by visiting your local Social Security office. For personalized assistance, contact Lopez and Sanders LLC at (520) 287-7788, and we will help you through the enrollment process.

The Initial Enrollment Period (IEP) for Medicare is a seven-month period that begins three months before your 65th birthday, includes your birthday month, and ends three months after your birthday month. There are also Special Enrollment Periods (SEPs) for certain circumstances and the Annual Enrollment Period (AEP) from October 15 to December 7 each year.