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Get clear medicare guidance from Medicare Specialists in Tampa Bay and Pasco County. Compare plans and call today to review your coverage options. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Arthur A Kempton, III Principal Agent Medicare & You: The Official Handbook for Medicare published by the U.S. Department of Health & Human Services. We can SAVE You Money on your Medicare Prescription Medications! Extra Help with your Medicare Prescription Drug Costs Find Local Help with Marketplace Health Insurance At KEMPTON FINANCIAL GRP LLC , you can rely on our strong partnerships with insurance carriers and our unmatched understanding of the many Medicare plans available in Tampa Bay & Florida. Our skilled Medicare Specialists thoroughly assess your coverage, helping you understand your current benefits—such as hospital, prescription, and supplemental coverage—and confidently provide recommendations for improved Medicare plan options. Our Medicare Specialists take the time to review your coverage and understand your situation. We look for options that fit your needs and budget. Think of us as your insurance partners, here to help you find your way through Medicare. With our experience, you can feel confident about your choices. Let us help you find the best Medicare Advantage plans for 2026. We’ll handle the research and paperwork so you can focus on what’s important to you. Our goal is to make the process simple and efficient, and to help you get the coverage that fits your needs. You can count on us. Disclaimer: "We do not offer every plan available in your area. Currently we represent 12 organizations which offer 122 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.“ If you're in the market for a: Medicare Advantage Plan Medicare Supplement Insurance Medicare Prescription Drug Plan Health Insurance Long Term Care Insurance Disability Insurance Critical Illness Insurance Dental/Vision Insurance Final Expense Life Life Insurance Annuities or just shopping around... you'll find affordable prices and unbeatable service here !! 1/2 Shop Medicare Insurance from the Safety & Comfort of your Home! We can Complete your Enrollment without a Face-to-Face Meeting! It's SAFE, SECURE, and COMPLIANT!! Call (813) 995-2821 or email ... Your privacy is always important. Your information is NEVER shared, sold, or exchanged with anyone. Leaving an Employer Group Health Insurance Plan and retiring we can help you transition to Medicare. Call now at (813) 995-2821. Medicare Advantage Plans Medicare Advantage Plans offer Hospital Insurance, Medical Insurance, Prescription Drug Benefits plus extras; Dental, Vision, Hearing, Fitness, Transportation, and Over-The-Counter-Items. Request Info Now! Medicare Supplement Insurance You might be able to save money with a Medicare Supplement Insurance plan. Medicare Supplement/MEDIGAP, insurance plans fill in “gaps” in basic benefits left behind by Original Medicare, Part A and Part B, such as deductibles, coinsurance, and copayments. Request Info Now! Medicare Prescription Drug Plans Medicare Part D, also called the Medicare prescription drug benefit, is an optional United States federal-government program to help Medicare beneficiaries pay for self-administered prescription drugs through prescription drug insurance premiums. Request Info Now! Directions Location: 5322 Land O Lakes Blvd Land O Lakes, FL 34639 Contact Information: Email: info@kemptonfinancial.com Direct: (813) 995-2821 Fax: (866) 401-6446 Email Us Subscribe to our Newsletter! Thank You for Visiting! DISCLAIMER: KEMPTON FINANCIAL GRP LLC are licensed and certified representatives of a Medicare Advantage (HMO, PPO and PFFS) organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any plan depends on contract renewal. The purpose of this communication is the solicitation of insurance. Contact will be made by a licensed insurance agent/producer or insurance company. Not affiliated with the U.S. government or the federal Medicare program. Plans are not available in all areas and may be subject to underwriting; terms and conditions may apply. Copyright ©202 3 KEMPTON FINANCIAL GRP LLC . All rights reserved. Disclaimer: "We do not offer every plan available in your area. Currently we represent 11 organizations which offer 122 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.“

A Medicare Advantage plan, also known as "Medicare Part C," is one that is run by private insurers that have been authorized by Medicare. It combines Medicare Parts A and B into a unified plan. Like health insurance for younger people, it comes with variations like HMO and PPO. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics What is a Medicare Advantage Plan? Request FREE Information. Click Here...or Call (813) 995-2821 Learn why people are switching to Medicare Advantage plans. Medicare Advantage – The All-In-One Medicare Plan Medicare Advantage (Part C) plans combine hospital, doctor and often prescription drug coverage into one single plan. They typically include additional benefits and features such as: Low monthly premium, some as low as $0 Free preventive/comprehensive dental and eye exams plus eye wear coverage /allowance Routine hearing exam and hearing aid coverage/allowance Free gym membership at locations near you with Silver Sneakers/Renew Active/Silver-n-Fit Monthly/Q uarterly Allowance for Over-the-Counter Items; Vitamins, Bandaids, Aspirin, etc. What is Medicare Advantage? 2020 Medicare Costs 2019 Medicare Costs Medicare Advantage HMO Plans Medicare Advantage PPO Plans Medicare Advantage Private-Fee-For-Service Plans (PFFS) Medicare Advantage Special Needs Plans (SNP) Medicare & Other Health Benefits Your Guide to Who Pays First There are many versions, or "parts," of Medicare. Which one you're on determines your benefits, who pays for them, and related things. A Medicare Advantage plan, also known as "Medicare Part C," is one that is run by private insurers that have been authorized by Medicare. It combines Medicare Parts A and B into a unified plan. Like health insurance for younger people, it comes with variations like HMO and PPO. One of the reasons to sign up for this type of plan is convenience. It covers everything that Medicare normally would, but streamlines things so you don't have to keep track of different parts, insurers, and other details. You can expect to get coverage for doctor and hospital visits, prescription costs, vision, dental, and more. Since there are variations, such as the Medicare Advantage PPO plan, you will need to do some thinking to decide on which one to sign up for. Typically, with PPO (a Preferred Provider Organization), you have a choice of fully-covered in-network doctors and a full selection of out-of-network doctors. The coverage for in-network doctors and hospitals is usually much greater than it is for out-of-network providers. Therefore, it is important to make sure that all of your favorite healthcare providers are in-network for the plan you're considering. It's usually worth it to get a more-expensive plan if that's what it takes to ensure that your favorite providers are eligible for in-network pricing. Most people prefer PPOs to HMOs because t he latter are far more restrictive. An HMO usually won't cover out-of-network providers at all. This is a hassle in any case, but if you're hospitalized, it's especially negative. Hospitals often have outside professionals join in on your health care, and these might not all be in-network. Choosing a PPO limits your financial liability for their services. We Represent the following carriers: AARP Medicare Advantage by UHC Aetna Medicare BayCarePlus CarePlus Cigna Healthspring Devoted Health Plan FloridaBlue Medicare Humana Medicare Silverscript Wellcare UnitedHealthcare Medicare Solutions

Compare medicare advantage plans in Tampa Bay with local experts and find coverage that fits your needs. Call today to review your Medicare options. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Medicare & You: The "Official" U.S. Government Handbook for Medicare. This document is revised each year. 2019 Medicare Costs 2020 Medicare Costs 2021 Medicare Costs 2022 Medicare Costs 2023 Medicare Costs 2024 Medicare Costs 2025 Medicare Costs 2026 Medicare Costs Medicare Advantage HMO Plans Medicare Advantage PPO Plans Medicare Advantage Private-Fee-For-Service Plans (PFFS) Medicare Advantage Special Needs Plans (SNP) Medicare & Other Health Benefits Your Guide to Who Pays First Click Here to Request Free Information! What is a Medicare Advantage Plan? The All-In-One Medicare Plan "Medicare Advantage Plans (Part C)" - combine hospital, doctor and prescription drug coverage into one single plan that include Extras; Dental, Vision, Hearing, Fitness Membership, Over-the-counter-Items (OTC), Telemedicine and more... They typically include additional benefits and features such as: Low monthly Plan premium, some plans as low as $0 Free preventive/comprehensive dental and eye exams plus eye wear coverage/allowance Routine hearing exam and hearing aid coverage/allowance Free gym membership at locations near you with Silver Sneakers/Renew Active/Silver-n-Fit Monthly/Q uarterly Allowance for Over-the-Counter Items; Vitamins, Bandaids, Aspirin, etc. 2025 Medicare Costs Here’s why considering a Medicare Advantage plan could be a game-changer for your health and financial well-being: 1 . **Comprehensive Coverage**: These plans are designed to cover a wide array of services, including routine check-ups, emergency care, hospital stays, and preventive services, ensuring that you have access to the crucial healthcare you need. 2. **Cost-Effective Structure**: Many Medicare Advantage plans carry a low or even $0 monthly premium, allowing you to maximize your savings. However, you still need to pay your Medicare Part B premium, making it essential to factor this into your financial planning. 3. **Direct Access to Quality Providers**: With a focus on coordinated care, many plans utilize a network of providers, which not only helps keep costs down but also ensures that you receive high-quality care from professionals who work closely together. 4. **Financial Protection with Out-of-Pocket Maximums**: Unlike traditional Medicare, Medicare Advantage plans feature an annual out-of-pocket maximum, offering you peace of mind knowing that your healthcare expenses will be limited. 5. **Enhanced Prescription Drug Coverage**: Many plans include robust prescription drug benefits, tailored to meet your specific medication needs. Before choosing a plan, be sure to verify that your prescriptions are covered and understand the associated costs. 6. **Strategic Enrollment Timing**: Take advantage of the Annual Enrollment Period from October 15 to December 7 when you can select or change your Medicare Advantage plan. You may also qualify for special enrollment periods based on certain life events. Our Medicare Specialists Do All the Hard Work and Research so you can Relax... You can get your Medicare benefits through Original Medicare, or a Medicare Advantage Plan (like an HMO or PPO ). If you have Original Medicare, the government pays for Medicare benefits when you get them. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. Medicare pays these companies to cover your Medicare benefits. If you join a Medicare Advantage Plan, the plan will provide all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage. Some Medicare Advantage Plans we offer are $0 premium per month and include extras; Dental, Vision, Hearing, Fitness Membership, and Over-the-Counter-Items. Please keep in mind that you must continue to pay your Medicare Part B premium each month. Your Medicare Part B premium is automatically deducted from your Social Security Retirement Benefi ts check each month. SEE 2026 Medicare Costs . If you HAVE NOT elected to take your Social Security Retirement Benefits you will be invoiced quarterly for the Medicare Part B premium. The Standard 2026 Part B Premium = $202.90/mo

These plans (sometimes called "PDPs") offer prescription drug coverage to everyone with Medicare Part A or B. A Medicare Advantage Plan (Part C), like an HMO or PPO, or other Medicare health plan that offers Medicare prescription drug coverage. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Resources that will SAVE You Money$ on your Prescription Medications GoodRx Discount Card Honey Bee Pharmacy SSA.gov - Apply Online for Extra Help with your Medicare Prescription Drug Costs Medicare.gov - Offical U.S. Government Website for Medicare What is a Medicare Prescription Drug Plan? Medicare Part D, the prescription drug benefit, is the part of Medicare that covers most outpatient prescription drugs. Part D is offered through private companies either as a stand-alone plan, for those enrolled in Original Medicare, or as a set of benefits included with your Medicare Advantage Plan. Click Here for a Review of your Medications! 2023 Federal Medicare Part D Standard Cost-Sharing 2022 Federal Medicare Part D Standard Cost-Sharing Extra Help with your Medicare Prescription Drug Costs Extra Help is a federal program that helps pay for some to most of the out-of-pocket costs of Medicare prescription drug coverage. It is also known as the Part D Low-Income Subsidy (LIS) . What help can I receive? Medicare beneficiaries can qualify for Extra Help with their Medicare prescription drug plan costs. The Extra Help is estimated to be worth about $4,900 per year. To qualify for the Extra Help, a person must be receiving Medicare, have limited resources and income, and reside in one of the 50 States or the District of Columbia. Find Help for your Prescribed Medications @ NeedyMeds.org Rx Assist - Patient Assistance Program Center Lower your Prescription Drug Costs

Explore medicare part b costs and enrollment options. Contact our Florida Medicare specialists today for expert advice. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Medicare.gov The Official U.S. Government Website for Medicare 2023 Medicare Open Enrollment - Florida Fact Sheet How Does Someone Apply for Part B When the Social Security Office Is Closed? Medicare Part A & B Signup Periods 2020 Medicare Costs at a Glance Costs for Medicare Advantage Plans How Medicare Works with other insurance? Retiree Coverage? Medicare Parts A/B = Original Medicare. Original Medicare Card is Red, White, Blue with your Name, Part A/B effective dates and Medicare #. Click Here to Request Medicare Plan Information! We Help YOU Navigate the Complexities of Medicare... Disclaimer: "We do not offer every plan available in your area. Currently we represent 10 organizations which offer 102 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.“ We know firsthand that choosing the right Medicare coverage can be complicated and frustrating. To get the most affordable coverage for your specific healthcare needs, trust Us to Help You. We Help You Navigate the Complexities of Medicare Plan choices in your local area and compare them to traditional Medicare. We Analyze plan coverage and provider options to meet your individual preferences. We Help You easily understand costs such as premiums, co-pays, and coverage limits Finally we Simplify the confusing process of enrolling in a Medicare Advantage Plan , Medicare Supplement Insurance Plan or Medicare Prescription Drug coverag e . Choosing the wrong Medicare Plan or Not Enrolling at the right time... can add up to a large amount of money over the years and take a severe Financial Toll. What is Medicare? Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). There are four parts to Medicare – Parts A, B, C and D: Medicare Part A = Hospital Insurance - Inpatient Hosptial Stays, etc. Medicare Part B = Medical Insurance - Oupatient Services; i.e. Doctor Visits, etc. Medicare Part C = Medicare Advantage Plans - HMO, PPO, PFFS, MSA, Costs Plans, Medicare/Medicaid Medicare Part D = Medicare Prescription Drug Coverage Medicare Enrollment Periods You don’t need to sign up for Medicare each year. However, each year you’ll have a chance to review your coverage and change plans. 2026 Annual Enrollment Period (AEP) October 15 – December 7 - every year Anyone can make a change during this time Medicare Advantage Open Enrollment Period (MAOEP) January 1 – March 31 Limited to Medicare Advantage enrollees Can make a one-time election to leave current plan and switch to another Medicare Advantage plan or Original Medicare Can add or drop Part D coverage Initial Enrollment Period (IEP) Initial Enrollment Period (IEP) – The 7-month period when someone is first eligible for Medicare. For those eligible due to age, this period begins 3 months before they turn 65, includes the month they turn 65, and ends 3 months after they turn 65. Coverage begins the month after a person signs up during their IEP. Special Enrollment Period (SEP) In certain special cases, as defined by Centers for Medicare & Medicaid Services, people may enroll in a Medicare plan outside of regular enrollment periods Getting Started with Medicare Sign up for Medicare through Social Security If you're over 65 (or turning 65 in the next 3 months) and not already getting benefits from Social Security, you need to sign up to get Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) . You won't get Medicare automatically. Apply for Medicare Online @ SSA.gov If you already get benefits from Social Security, you'll get Medicare Part A and Part B automatically when you're first eligible and don't need to sign up. Medicare will send you a "Welcome to Medicare" packet 3 months before you turn 65. You'll still have other important deadlines and actions to take, so read all of the materials in the packet. (If you live in Puerto Rico, you'll only get Part A. If you want Part B, you need to sign up for it.) There are 2 main ways to get Medicare coverage: 1. Original Medicare – Includes Part A and Part B. You can use any doctor or hospital that takes Medicare, anywhere in the U.S. If you want drug coverage, you can join a separate Medicare Prescription Drug Plan (Part D) . To help pay your out-of-pocket costs in Original Medicare (like your 20% coinsurance), you can also shop for and buy supplemental coverage like a Medicare Supplement Insurance (Medigap) policy . Medicare Supplement Insurance Plans (Medigap): AARP Medicare Supplement Insurance Plans from UnitedHealthcare Insurance Company AARP Medicare Supplement Insurance Plan - PRESENTATION - FLORIDA Aetna Medicare Supplement Plans - FLORIDA Humana Medicare United American Life Insurance Company - FLORIDA If you don't get Part D or a Medigap policy when you're first eligible, you may have to pay more to get this coverage later. For Part D, this could mean a lifetime premium penalty . 2. Medicare Advantage – An "all in one" alternative to Original Medicare. These "bundled" plans include Part A, Part B, and usually Part D. Most plans offer extra benefits that Original Medicare doesn't cover – like vision, hearing, dental, fitness memberships, over-the-counter-items and more. Plans may have lower out-of-pocket costs than Original Medicare. In most cases, you'll need to use doctors who are in the plan's network. Have you heard of the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA)? Here is what you need to know: MACRA makes changes to all carriers’ Medigap policies that cover the Part B deductible for newly eligible Medicare Beneficiaries on or after January 1, 2020. Medicare supplement plans C and F, which cover the Medicare Part B deductible, will no longer be offered to individuals newly eligible for Medicare as of January 1, 2020, or later. This means that anyone turning 65 on or after January 1, 2020, will only be able to purchase plans C or F if they have a Medicare Part A effective date prior to 2020. Medicare supplement plans C and F will continue to be available for individuals eligible for Medicare prior to January 1, 2020. Therefore anyone who turns 65 before January 1, 2020 may continue to enroll in or keep plans C or F. Plan G may be a great option for newly eligible Medicare Beneficiaries after January 1, 2020 AARP® Medicare Supplement Insurance Plan G, insured by UnitedHealthcare® Insurance Company, covers the same benefits as Plan F with the exception of the Medicare Part B deductible. Looking for additional MACRA information? You may also view the Fact Flyer HERE .

A Medicare Supplement plan, sometimes called “Medigap,” is a private insurance policy that pays for some of the health care costs that Medicare doesn't cover. This can include out-of-pocket expenses such as copayments, coinsurance and deductibles. As well as No Networks and No Referrals. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics What's a Medicare Supplement or Medigap Plan? Answering your Questions about Medicare Supplement Insurance from UHC When can I Buy a Medicare Supplement Insuance Plan? Click Here to Request Information! What is a Medicare Supplement Insurance Plan? Original Medicare pays for many, but not all, health care services and supplies. A Medigap policy is private insurance that helps supplement Original Medicare. This means it helps pay some of the health care costs that Original Medicare doesn’t cover (like copayments, coinsurance, and deductibles). These are “gaps” in Medicare coverage. If you have Original Medicare and a Medigap policy, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medigap policy pays its share. A Medigap policy is different from a Medicare Advantage Plan (like an HMO or PPO) because those plans are ways to get Medicare benefits, while a Medigap policy only supplements the costs of your Original Medicare benefits. Note: Medicare doesn’t pay any of your costs for a Medigap policy. All Medigap policies must follow Federal and state laws designed to protect you, and policies must be clearly identified as “Medicare Supplement Insurance.” Medigap insurance companies in most states can only sell you a “standardized” Medigap policy. Each standardized Medigap policy must offer the same basic benefits, no matter which insurance company sells it. All plans offer the same basic benefits but some offer additional benefits. You can choose which plan meets your needs. Note: In most states, standardized policies, or plans, are identified by the letters A, B, C, D, F, G, K, L, M, and N, and each type of plan generally contains the same benefits in all states. In Massachusetts, Minnesota, and Wisconsin, benefits will be labeled differently, but the policies are still standardized within each state.

Understanding the Importance of Long-Term Care Planning can provide FREEDOM and PEACE OF MIND. Over 50% of seniors age 65 or older will need Long-Term Care/extended care. Ask us about Asset-Based Long-Term Care Insurance policies from OneAmerica. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Long-Term Care Insurance Buyer's Guide U.S. Government Website for Long-Term Care 2019 Cost of Care Survey by Genworth Financial Long Term Care U.S. Department of Health and Human Services - longtermcare.gov When Does Medicare Pay for Long-term Care Services? Understanding the Importance of Long Term Care Planning Long Term Care Insurance Video from AIG LTC Planning Resources Long Term Care Insurance Cost of Care from State to State Long-Term Care Insurance Most people don't know what long-term care is until they or someone they love need it... What is Long Term Care? Long term care is the care you may need if you are unable to perform daily activities on your own. That means things like eating, bathing, dressing, transferring and using the bathroom. The goal of long term care is to help you maintain your lifestyle as you age. Medicare, Medicare supplement insurance, and health insurance you may have at work usually won’t pay for long term care. Request Free Info Why Would You Need Long Term Care? A need for long term care may result from accidents, illnesses, advancing aging, stroke, or other chronic conditions. Unlike traditional health insurance, Long-Term Care Insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them. The cost of your long-term care policy is based on: How old you are when you buy the policy The maximum amount that a policy will pay per day The maximum number of days (years) that a policy will pay The maximum amount per day times the number of days determines the lifetime maximum amount that the policy will pay. Any optional benefits you choose, such as benefits that increase with inflation If you are in poor health or already receiving, long-term care benefits you may not qualify for long-term care insurance as most individual policies require medical underwriting. In some cases, you may be able to buy a limited amount of coverage, or coverage at a higher “non-standard” rate. Some group policies do not require underwriting. People are living longer than ever before. But as you age, the chance that you’ll need help to manage a chronic illness or disability also increases. In fact, according to the U.S. government, almost 70% of those 65 and over will require some type of long-term care. While private health insurance and Medicare will help pay hospital and doctor bills, they won’t typically cover the costs associated with extended in-home or nursing facility care, which, at $40,000-$80,000 per year, can quickly run through your personal savings. See how long-term care insurance can help protect your nest egg and save you from becoming a burden on loved ones. Ways to Pay for Long-Term Care if You Can't Afford Insurance Open a health savings account . Workers who have qualified high-deductible health insurance plans can open a health savings account , or HSA, to pay for future long-term care costs. In 2018, individuals can deposit up to $3,450 in tax deductible contributions to an HSA . Those with family insurance plans can deduct up to $6,850 in contributions. What's more, those age 55 and older can contribute an additional $1,000 to their account. Money in an HSA rolls over from year to year, and withdrawals are tax-free if used for qualified health care expenses, including long-term care and long-term care insurance premiums. Read: Medicare Premiums Increase for Many Retirees in 2021 . If eligible, take advantage of veteran benefits. When my grandmother needed long-term care, our family turned to the U.S. Department of Veterans Affairs. Veterans who have served in qualified periods of conflict, as well as their spouses, are entitled to receive financial aid, known as the Veterans Affairs Aid and Attendance, or A&A benefit , to pay for long-term care. "It's a great benefit most people don't know about,". Once you've been approved for a Veterans Affairs pension, apply for the benefit by writing to your Pension Management Center. Medicaid. When all other options are exhausted, the government will help pay long-term care costs, but not in the way many people expect. "A lot of people think Medicare will pay, and it doesn't, While Medicare will pay for some nursing home care after a hospitalization, that coverage is limited . "After 100 days, [Medicare beneficiaries] are totally on their own." However, Medicaid will pay for ongoing long-term care needs. The catch is that a person must deplete almost all financial resources first. Medicaid eligibility varies by state, but typically seniors can't have more than $2,000 in liquid assets. While many states exclude one vehicle, principal residences and small life insurance policies from their Medicaid eligibility criteria, estate recovery laws allow for these assets to be seized after a senior's death to reimburse the government for the cost of a person's care. I believe one of the biggest drawbacks of using Medicaid to pay for long-term care is the fact that not every facility accepts Medicaid patients and only traditional nursing homes are covered. "The thing with Medicaid [is] you don't get to choose [where to live], and assisted living is not an option," she says. Regardless of how you plan to pay for long-term care, experts urge people to write down their wishes and share them with family members. Otherwise, relationships can be irreparably damaged as children and other relatives grapple with how to take care of an ailing loved one. "I see that happen a lot with my clients, It can get really ugly, really fast." [See: 10 Ways to Make the Most of Medicare .] Long-term care costs will be a reality for many Americans, but you have options. Determine what works best for you and your family long before it's time to make tough decisions about where and how long-term care will be provided. Types of Long-Term Care Insurance Traditional Long Term Care Insurance Hybrid Long Term Care Insurance

We have been serving the insurance needs of individuals, seniors, & businesses Florida since 1999! Our specialty is Medicare Advantage & Medicare Supplemental insurance plans. In addition to Life, Health, Long Term Care, and Annuties. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Our History Arthur A Kempton, III, USAF Retired KEMPTON FINANCIAL GRP LLC February 1, 2003 - Present KEMPTON FINANCIAL GRP LLC was established by Arthur A. Kempton III on February 1, 2003. Kempton is a United States Air Force veteran with over 20 years of service in various roles, including Logistics Superintendent at Headquarters 12th Air Force, Davis-Monthan Air Force Base, Arizona, where he contributed to counter-narcotics operations in Central and South America, and Superintendent of the 15th Logistics Group at Headquarters Pacific Air Forces, Hickam Air Force Base, Hawaii. Following his retirement from the Air Force in 1998, Kempton served as a Project Manager for Pacific Gateway Exchange, a long-distance telecommunications company based in San Francisco, California. In this capacity, he managed the build-out and construction of Central Office Projects in San Jose, Los Angeles, and New York City. In 1999, Kempton transitioned to the financial services sector, relocating his family to Tampa Bay to work alongside his younger brother Greg and his father, Art Jr. Family History Art is a 3rd generation Financial Services Professional. He began is career at New England Financial, A Metlife Company in Tampa, Florida in 1999. Working with his father Art Jr. and brother Greg in the Auto Dealer Market he became a highly skilled and knowledgeable financial/insurance professional. His grandfather, Art Sr., worked at Metropolitan Life Insurance Company in New York City from 1930 to 1977. His father, Art Jr., also worked for Metropolitan Life Insurance Company from 1963 to 1999. His brother Greg started his financial services career with New England Financial, a MetLife company, in Tampa, Florida, in 1989. Greg is now the Managing General Agent for One Team Financial Group, LLC, a OneAmerica Financial Company, also in Tampa. Financial Advisor New England Financial/MetLife - Tampa, FL November 1999 – January 2003 As a Registered Representative with New England Securities, Art helped his clients develop wealth accumulation strategies to protect their financial future. He is committed to providing quality service and building long-term client relationships. He is a Leader’s Conference qualifier, a company honor awarded annually to those Financial Services Representatives who have successfully demonstrated the ability to attract, develop, and retain clients by helping them meet their financial security needs. United States Air Force January 1978 - February 1998 Assignments: Langley AFB, VA - HQ Air Combat Command Osan AB, Republic of South Korea - Pacific Air Forces Hurlburt Field, Florida - HQ Air Force Special Operations Command Davis-Monthan AFB, AZ - Tactical Air Command Rhein-Main AB, Frankfurt Germany, US Air Forces Europe Davis-Monthan AFB, AZ - HQ 12th Air Force Hickam AFB, HI - HQ Pacific Air Forces ***Retired aboard the USS Arizona Memorial on October 18, 1997, Pearl Harbor Hawaii*** Land O Lakes High School Class of 1977 Varsity Football '76 Varsity Baseball '76/'77 Miami Killian High School Junior Varsity Football 74' Junior Varsity Baseball 74'/75' Education: Land O Lakes High School Class of 1977 Community College of the Air Force (CCAF) - Associates Degree Maintenance Production Management University of Phoenix - Bachelors Degree Business Management Awards: 2000 Rookie of The Year - New England Financial/Metlife 2001 Commodore Cup Winner - New England Financial Career School 2007 Top Producing Agency Southeast US - Aetna Medicare Aetna Medicare

Top rated Dental and Vision Insurance Plans that offer comprehensive benefits at affordable prices. Call or email our office today for a FREE no obligation quote. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Dental/Vision Insurance Dental for Everyone Dental Insurance Carriers we write: Aetna C igna Delta Dental HumanaOne Standard Life UnitedHealthOne Request a Quote. Click Here! Vision Insurance Carriers we write: VSP DavisVision HumanaOne UnitedHealthOne Get a Quote: Aetna Dental Insurance Plans Cigna Dental Insurance Plans HumanaOne Dental Insurance UnitedHealthOne Dental Insurance Click on the image below for a FREE No Obligation Quotes:

Understanding the Importance of Long-Term Care Planning can provide FREEDOM and PEACE OF MIND. Over 50% of seniors age 65 or older will need Long-Term Care/extended care. Ask us about Asset-Based Long-Term Care Insurance policies from OneAmerica. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Understanding the Importance of Long Term Care Planning LTC Caregiver Resources Federal Government Caregiver Resources LongTermCare.gov Things You Should Know Medicare only pays for long-term care if you require skilled services or rehabilitative care and Medicare does not pay for non-skilled assistance with Activities of Daily Living (ADL), which make up the majority of long-term care services. Long Term Care Glossary of Terms Long Term Care Insurance Avoid a Substandard Nursing Home... Get Long Term Care Insurance What is Long Term Care Insurance? Request Free Information! While most, if not all, states offer some kind of state-run long term care facilities, it is almost always a better idea to go for private ones. The catch is that private nursing homes and rehab facilities can be quite expensive. Therefore, it's essential that you prepare for this potential cost before you actually need this type of health care. Long term care insurance is your best bet for making sure that cost won't keep you from getting the highest level of care in the event of a debilitating illness or catastrophic injury. This is something you should be thinking about right now, no matter what your age. While nursing homes are thought of as being for "old folks," the fact is that an injury can put you into one even if you're only 20, and you may be there for a long time before you recover. Therefore, long term care insurance is not something that only applies to the elderly. This is especially true if you have a riskier lifestyle, such as one that involves sports where head and neck injuries are common. One thing you can do for your old age in particular is invest in annuities. These are meant to protect against outliving your income. They pay a fixed amount every month or year once they mature. When used as a hedge against post-retirement poverty, annuities are typically timed so that they mature right around retirement age. When you have them, you can rest assured that you'll get a certain amount of income no matter how long you live, at least if you keep the underlying securities intact. Start buying them early enough, and you can end up with great checks once you're a senior citizen. Long-term care is a range of services and supports you may need to meet your personal care needs. Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life, sometimes called Activities of Daily Living (ADLs) , such as: Bathing Dressing Using the toilet Transferring (to or from bed or chair) Caring for incontinence Eating Other common long-term care services and supports are assistance with everyday tasks, sometimes called Instrumental Activities of Daily Living (IADLs) including: Housework Managing money Taking medication Preparing and cleaning up after meals Shopping for groceries or clothes Using the telephone or other communication devices Caring for pets Responding to emergency alerts such as fire alarms

We provide international medical insurance products that includes servicing vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence. To meet all of these needs, we have developed a comprehensive range of major medical, life, dental and disability products that can be tailored to meet your needs. Home About Us Services Annuities Travel Insurance Dental/Vision Insurance Health Insurance Life Insurance Long-Term Care Insurance Medicare Medicare Advantage Plans Medicare Supplement Insurance Medicare Prescription Drug Plans Request Info/Quote Learn More Medicare Insurance Medicare Advantage Plan Medicare Supplement Insurance Long Term Care Insurance Obama Care Health Insurance Visitor Analytics Travel/Health Insurance Request Information...Click Here!! International Insurance Plans from IMG Welcome to IMG®'s section of Coverage without Boundaries®! We know that the reasons to travel abroad are many and varied - that's why our products are too. Our full-service approach to providing international medical insurance products includes servicing vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence. To meet all of these needs, we have developed a comprehensive range of major medical, life, dental and disability products that can be tailored to meet your needs. For your convenience and to assist you in determining which plan is right for you, simply use the scroll function to view each of the products or click on one of the specific product categories below to help narrow your search. You may also obtain more detailed plan information by clicking on the "Download a brochure & application" link associated with each product. Once you have determined which plan best fits your needs, click on the "Quote/Buy Insurance" link and you can complete the simple and easy-to-follow application. Patriot Lite Travel Medical InsuranceSM Individual & family; Short-term coverage available from five days up to two years. Highlights Travel medical insurance for individuals, families, and groups Coverage for medical expenses, evacuation, and repatriation Renewab le up to 24 months Coverage for acute onset of pre-existing conditions Plan Details Download PDF Get Quote Group Quote iT ravelInsured - Travel Insurance Highlights Insurance that covers trip cancellation, travel delays and other losses incurred while traveling Travel insurance program for trips up to 180 days Standard Coverage for trip cancellation and interruption Emergency medical expense, evacuation, and reunion benefits Three product options for varying levels of coverage Download PDF Get Quote - Travel Lite Get Quote - Travel SE Get Quote - Travel LX Patriot America® Plus Short-term travel medical insurance for non-U.S. individuals, families, and groups from 5 days to 2 years Highlights COVID-19 coverage for travelers to the U.S. Coverage for non-U.S. residents traveling to the USA Coverage for acute onset of pre-existing conditions Renewable up to 24 months Maximum Limits from $10,000 to $1,000,000 Plan Details Download PDF Get Quote Group Quote Global Medical Insurance® Individual & family – Flexible long-term annually renewable plan. Highlights Long-term (1+ year) comprehensive worldwide medical insurance for individuals and families Annually renewable medical coverage Deductible options from $100 to $25,000 Maximum limit options from $1,000,000 to $8,000,000 Plan Details Download PDF Get Quote Patriot Platinum Travel Medical InsuranceSM Individual & family – First-class short-term coverage available from five days up to three years. Highlights 24/7 access to telehealth providers for non-emergency care Medical coverage for unexpected illnesses & accidents up to policy maximum COVID-19 covered same as any other illness Maximum limits from $2,000,000 to $8,000,000 Emergency medical evacuation coverage up to policy maximum Access to Travel Intelligence App for location-specific alerts & information Plan Details Download PDF Get Quote Group Quote GEOSM Group Groups of two or more members - Long-term annually renewable employer sponsored group insurance. Highlights Employer-sponsored group health insurance for internationally assigned employees Life, dental and daily indemnity coverage Full group takeover and replacement provision COBRA and HIPAA like options Enhanced benefit option for U.S.-based employers Download PDF Group Proposal Patriot Multi-TripSM Individual & family - Short-term coverage available up to three years for travelers who take frequent trips throughout the year. Highlights Annual multi-trip travel medical insurance for individuals, families and groups Deductible of $250 Maximum limit of $1,000,000 Coverage for multiple trips up to 30 or 45 days Flexibility to travel as many times per year Plan Details Download PDF Get Quote Group Quote GlobeHopper® Senior Individual & spouse – Short-term travel medical insurance for travelers age 65+ Highlights Travel medical insurance for travelers age 65+ GlobeHopper Senior Single-Trip is extendable up to 12 months Deductible options from $0 to $2,500 Maximum limits from $50,000 to $1,000,000 Two plan designs – Single-Trip and Multi-Trip Plan Details Download PDF Get Quote Multi-Trip Quote Patriot Exchange ProgramSM Individual or groups of five or more members - Short-term coverage available from one month up to four years for educational and cultural exchange programs. Highlights Medical insurance for students studying abroad or participants of cultural exchange programs Deductible options from $0 to $100 Maximum limit $5,000,000 Most plan options are designed to meet the U.S. J1 and J2 visa travel insurance requirements Plan Details Download PDF Get Quote Group Quote Student Health AdvantageSM Individual or groups of five or more members - Long-term coverage available from one month up to five years for educational programs. Highlights Medical insurance for international students or scholars participating in a sponsored study abroad program Coinsurance in PPO network or student health center within the U.S.: Company pays 100% Deductible of $100 Maximum limit for student: $500,000 Plan Details Download PDF Get Quote Group Quote Student Health AdvantageSM Platinum Individual or groups of five or more members - Long-term coverage available from one month up to five years for educational programs. Highlights Medical insurance for international students or scholars participating in a sponsored study abroad program Coinsurance in PPO network or student health center within the U.S.: Company pays 100% Maximum limit for student: $1,000,000 Provides coverage for mental health, organized sports and pre-existing conditions Plan Details Download PDF Get Quote Group Quote I nternational Marine Medical InsuranceSM Groups of two members or more members - Long-term annually renewable group insurance for professional marine crew. Highlights Worldwide group coverage for professional marine crew $5,000,000 maximum benefit per insured person per period of coverage Primary to the vessel's Protection and Indemnity insurance (P&I) Coverage for individuals and dependents Download PDF Group Proposal