OUR MISSION
At REAL Nurse Consultants, our mission is to educate, advocate for, and guide individuals through the often complex world of Medicare and insurance planning.
We believe everyone deserves to fully understand their healthcare options and feel confident in the decisions they make for their future. By combining clinical knowledge with insurance expertise, we help clients choose coverage that aligns with their health needs, lifestyle, and financial goals ensuring they feel informed, supported, and protected every step of the way.
As a Registered Nurse with nearly two decades at the bedside, I saw firsthand how having the right insurance plan can make all the difference not just medically, but financially and emotionally. Today, I combine my nursing background & insurance expertise to make the process of Medicare simple!
We lead with integrity. Educating and empowering our clients to make the best informed decisions for their unique needs and future.
medicare
made simple
Medicare Part A:
• Covers hospital/inpatient care • No premium if you worked 40 quarters
in the United States.
• Begins the 1st day of the month you
turn 65 UNLESS your birthday is the
1st day of the month. In this case, your
Medicare will become effective the 1st of
the month PRIOR to your birth month.
• Has a deductible per stay
Medicare Part B:
• Covers medical services • Has an annual premium that can
increase based on your income
• You can delay Part B if you intend to
continue working and remain on a
group plan
• Has an annual deductible. Once the
deductible is met, Medicare will cover
80% for medically necessary care.
Medicare Part D:
• Prescription DrugCoverage
• Sold through private insurance
companies. Premium, deductibles, and
costs will vary by plan
• Optional, but there is a penalty for
delaying Part D past your 65th birthday
if you do NOT have other creditable
coverage.
Medigap:
• Fills in the“gaps” of Medicare
• Most popular plans are Plan G & N • 6-month open enrollment period to
enroll when you turn 65.
• Once enrolled, changing plans may
require you to “health qualify”
• No networks. Anywhere Medicare is
accepted, Medigap plans will be too.
• Premium will vary by plan and location,
but the PLAN will not. A Plan G is a Plan
G, regardless of which company you sign
up with.
• Does not include prescription drug
coverage
• A local agent can help you compare all
options to assure you choose a plan that
best suits your needs.
Medicare Advantage:
• Also known as MedicarePartC
• Sold through private insurance
companies. Premium, deductibles,
maximum out of pocket, and costs will
vary by plan.
• $0 plan premium options available in
many areas.
• Allows you to pay for the care you need,
when you need it.
• You are protected by a maximum annual
out of pocket
• Many include prescription drug coverage
• May include extra benefits: dental, vision,
hearing, fitness (will vary by plan) • Must receive care within a network.