Chris Assefa (picture), the proprietor and insurance coverage dealer for Bleu Sky’s Insurance coverage Options, says that though she is licensed by the State of Florida (in addition to Georgia and New York) to promote well being and life insurance coverage and variable annuities, she believes her main perform is schooling.
“Medical insurance, particularly in terms of Medicare and Medicaid, is extremely difficult for most individuals,” Chris says. “At Bleu Sky’s Insurance coverage Options, we at all times say that asking questions is free, so ask away! We need to be sure you perceive what your choices are and which plan or coverage will work greatest for you and your loved ones.”
Bleu Sky’s is an impartial insurance coverage company, so Chris and her group of pros have entry to all kinds of corporations and insurance policies and so they may also help you determine how greatest to handle your wants.
Chris is a specialist in terms of Medicare — the lower-cost medical insurance for these ages 65 and older and for these with disabilities. The previous Wesley Chapel resident says that though the Open Enrollment interval to decide on a Medicare plan for 2025 resulted in December and the insurance policies turned efficient in January, “there are nonetheless issues you are able to do now that you simply won’t learn about.”
For instance, when you resolve after Jan. 1 that you simply’re not pleased along with your Medicare Benefit plan, there’s a particular Open Enrollment Interval — that simply closed for this yr (on March 31) — for Medicare Benefit plan holders solely.
“Clearly, the common individual is both not sure or not even aware of loads of this,” Chris says. “That’s why you want an professional within the area, like my firm, to assist information you.”
She additionally says there are some new legal guidelines on the books for 2025 that Bleu Sky’s insurance coverage professionals may also help you perceive.
“For 2025, a person’s out-of-pocket expense for prescribed drugs on their Medicare service’s formulary is capped at $2,000,” Chris says. “As well as, people who find themselves dual-eligible (for each Medicare and Medicaid; the latter is the joint federal and state program which helps cowl medical bills for individuals with restricted earnings and assets) are coping with some adjustments as to how they’ll change their plans.”
She provides that there are totally different ranges of twin eligibility, and that these totally different ranges are affected by this yr’s new guidelines.
“I do know this may be complicated,” Chris says. “I actually hope that if in case you have any questions on Medicare, Medicaid or the Well being Insurance coverage Market (also called the Reasonably priced Care Act or ‘Obamacare’), we’ll be the corporate you’ll suppose to name.”
To succeed in Chris Assefa of Bleu Sky’s Insurance coverage Options, name (813) 360-1884, go to BleuSkysInsurance.com or see the advert beneath. — GN
