Welcome to BNB Financial Services,
where we help you make the right Medicare Insurance choices!
"My name is Le Anh Blanchard. I'm the owner and principal broker with BNB Financial Services. I look forward to having the opportunity to help you with your insurance and financial choices."
Le Anh Blanchard
Licensed Insurance Broker
CALL: 847-272-7373
Here are some things you should know about Medicare and the role of an insurance broker.
Medicare
Medicare is a federal program that offers health insurance to American citizens and other eligible individuals. The program is often called Original Medicare. It has two parts – Part A and Part B.
Legal residents must live in the U.S. for at least 5 years in a row, including the 5 years just before applying for Medicare. You must also meet one of the following requirements:
Age 65 or older
Younger than 65 with a qualifying disability
Any age with a diagnosis of end-stage renal disease or ALS
Part A covers inpatient hospital and skilled nursing care. Part B covers doctor visits and outpatient care. You can add coverage to Original Medicare or choose a private plan to get more coverage like Medicare Advantage. Click HERE for more information about different kinds of Medicare plans.
What kind of Medicare Insurance Agents are there?
A Medicare insurance agent is a licensed expert that helps you review and evaluate Medicare plans and their benefits, and guides you in choosing a suitable one.
There are two kinds of Medicare insurance agents. The first is the independent Medicare agent (or broker). This type of Medicare agent works with many different insurance companies and can enroll you in health plans from any of them.
The second kind is the captive Medicare agent. Unlike independent agents, captive agents partner with only one insurance company and are limited to plans from that particular insurer when assisting Medicare beneficiaries.
How Can a Medicare Broker or Agent Help You?
Medicare agents and brokers are very knowledgeable about Medicare plans. Every year they complete training and pass a test on their grasp of Medicare and its health and prescription drug plans. Here are the main ways Medicare agents and brokers can help you:
Review Health Plans
Evaluate Your Current Coverage
Save You Time and Effort
Assist With Medical Underwriting
Do You Pay?
No, you don't pay any fee for the assistance of a Medicare agent or broker. Using their services is completely free.