Independent licensed health insurance broker.
Not affiliated with or endorsed by the government or federal Medicare program.
Medicare Choices Confusing?
I am Charmaine Wages. I specialize in making complex Medicare insurance understandable. I represent the major insurance companies, which allows me to offer you an objective assessment of your Medicare options. I am an independent broker.
Get an advocate, not a call center
My service is free to you
I am compensated directly by insurance companies
Your premiums will not increase by using a broker
Ask Me About:
| Dental/Vision/Hearing Coverage | International Travel Medical Insurance |
| Home Health Care Insurance | Cancer/Heart Attack/Stroke (Cash payout to you) |
Dental/Vision/Hearing Coverage
Original Medicare does not cover routine dental, vision, or hearing care. However, seniors have options to get coverage for these services:
- Purchase a private dental, vision, or hearing insurance plan. There are plans designed specifically for seniors that cover things like cleanings, exams, glasses, hearing aids. Costs vary widely based on the level of coverage.
- For low-income seniors, Medicaid may provide some dental, vision or hearing benefits depending on the state. Medicaid benefits vary widely by state.
New plans on the horizon!
Home Health Care Insurance
- Short-Term Home Health Care Insurance will pay a daily benefit for each day you receive a variety of home health care services.
- Benefits are paid directly to you to help cover deductibles and copayments, regardless of any other insurance you may have.
- Daily benefit amounts will vary by plan selected (maximum benefit period is 360 days). To qualify for benefits, a Licensed Health Care Practitioner must certify you as having a Cognitive Impairment or the inability to perform at least two (2) of six (6) Activities of Daily Living without substantial assistance (bathing, continence, dressing, eating, toileting and transferring).
International Travel Medical Insurance
Cancer/Heart Attack/Stroke (Cash payout to you)
- Even the best insurance plans don’t cover all costs associated with health conditions. Cancer, heart attack and stroke insurance covers these gaps by providing you with money to use to pay for everything from deductibles to daily living expenses.
- Cancer, heart attack and stroke insurance—sometimes called critical illness insurance—offers a financial payout to people with one of these health issues. This pays out a lump sum to the policyholder, who can use the money to pay for various expenses.
These 10 popular brand name drugs may be available at a reduced price.
Did you know that Medicare has not had the legal right to negotiate the price of drugs with pharmaceutical companies? That’s about to change.
2024 Medicare Premiums, Deductibles and Income-Related Surcharges
On October 12, 2023, the Centers for Medicare & Medicaid Services (CMS) released the 2024 premiums, deductibles, and coinsurance…
Zero or low premium Medicare Advantage Plans are NOT Zero Cost plans.
Advantage Plan Insurance companies use cost containment measures including network limitations, referral requirements and prior authorization to reduce their costs and decline claims.
‘Unlimited’ Cancer Costs: The Medicare Part D Dilemma
Learning that a family member has cancer can be devastating enough. Waiting to find out whether a loved one can afford their treatment takes the concern to…
Medicare 101 Tutorial
2024 Medicare Premiums and Deductibles
PART A – Hospital Deductible: $1632/benefit period
PART B – Medical Deductible: $240/year – Premium : $174.70/month
* Note! The Federal Government changes Medicare premiums and deductibles EVERY January 1. Updated video recording coming soon.
Industry Expertise: 12+ Years
Professional & Friendly
Personalized Service
Your Medicare Starts Here
or call — (480) 409-1717 (TTY 711) to speak to a licensed insurance broker.
Making your Medicare insurance options understandable.
Scottsdale, AZ
2021 © Charmaine Wages | All Right Reserved