Search Results

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 Our History KEMPTON FINANCIAL GRP LLC February 1, 2003 - Present KEMPTON FINANCIAL GRP LLC was founded by Arthur A Kempton, III, on February 1, 2003. Art is an Air Force veteran having served over 20-years in the United States Air Force in various positions from Logistics Superintendent, Headquarters 12th Air Force, Davis-Monthan AFB, Arizona fighting the war on Narcotics in Central/South America to Superintendent 15th Logistics Group, Headquarters Pacific Air Forces Hickam AFB, Hawaii. After retiring from the the Air Force in 1998. Art was employed as a Project Manager for Pacific Gateway Exchange a Long Distance Telecommunications company in San Francisco, California. His duties included the build-out and construction of Central Office Projects in San Jose, California, Los Angeles, California, and New York City. In 1999 he decided change career paths and moved his family back to Tampa Bay to work in the Financial Services career field with his younger brother Greg and 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. was employed with Metropolitan Life Insurance Company In New York City from 1930 - 1977. His father Art Jr. was also employed by Metropolitan Life Insurance Company from 1963 until 1999. His brother Greg began his Financial Services career with New England Financial, a MetLife Company in Tampa, Florida in 1989. Greg is currently the Managing General Agent for One Team Financial Group, LLC, a OneAmerica Financial Company in Tampa, Florida. 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 Humana Reach Awards 2021 Aetna Medicare

Original Medicare is managed by the federal government and provides Medicare eligible individuals with coverage for and access to doctors, hospitals, or other health care providers who accepts Medicare. It is a fee-for-service plan, meaning those with Medicare usually pay a fee for each service. 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 What is Medicare? Click Here to Request Information! 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 The 2023 Medicare & You Handbook. This is the OFFICIAL U.S. GOVERNMENT HANDBOOK for MEDICARE. Click HERE to get your Free Copy. The Two Main Ways to Get Medicare 2023 Medicare Annual Election Period (AEP) October 15th - December 7th 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. Consider these 7 things when choosing coverage Costs Coverage Your other coverage Prescription drugs Doctor and hospital choice Quality of care Travel

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 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

We provide Medicare Planning services which includes plan options, benefits, costs, and enrollment. In addition to Health Insurance, Life, Insurance, Annuties, and Long Term Care Insurance. Our Advice and Recommendations are unbiased and honest. 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 Marketplace Health Insurance Trained and Certified; 11th Year of Service in Florida/Tampa Bay! Products and Services We Offer: Our specialty is Medicare Advantage , Medicare Supplement Insurance plans , and Medicare Prescription Drug Plans . We know firsthand that choosing the right Medicare plan can be frustrating, confusing and complicated. Let Us Help you choose the most affordable Medicare health insurance coverage available in your area. We show you how to navigate the complexities of Medicare Advantage Plans or Medicare Supplement Insurance Plans and compare them to Original Medicare. We Analyze the plan coverage and provider options to meet your individual needs & preferences. We help you understand the Costs; premiums, copays, coinsurance, deductibles and coverage limits. Finally we simplify the process of enrolling so you get the Medicare Plan that meets your healthcare Needs and Budget. Part of our evaluation process is researching your Doctors and prescribed Medications. This assures your doctors/specialists accept the plan we recommend and that your prescribed medications are covered. We represent most major Medicare Insurance carriers in the State of Florida. In addition we offer: Annuities Critical Illness Insurance Dental Insurance Disability Insurance Final Expense Life Insurance Health Insurance (Individual/Group) Hospital/Doctor Medical Indemnity Plans Life Insurance Long Term Care Insurance and Vision Insurance Plans. Click here to Request a Quote! Call or email our office today for a Free Quote or Consultation. 1. Annuities - Fixed, Indexed, and Single Premium Immediate Annuities. We represent American National, American General, F&G, Sentinel Security Life, and others. Immediate Annuity Calculator Annuity Buyer's Guide - Fixed Deferred Annuities 2. Dental Insurance - We offer Dental Insurance from Aetna, Cigna, Delta Dental, Humana, and UnitedHealthcare. UnitedHealthcare Dental Dental for Everyone Delta Dental Plans Humana Dental PPO Plans Cigna Dental PPO Plans 3. Final Expense Life Insurance - We offer Final Expense Life Insurance from Aetna, Gerber, and others. 4. Health Insurance - Individual, Family, Self-Employed, and Group Health Insurance Plans - Obamacare Plans, Short Term Medical, and Hospital/Doctor Indemnity Plans. Ambetter, Brighthealth, Molina, UnitedHealthcare. Obamacare Open Enrollment Period - Nov 1, 2023 - Jan 15, 2024 Health Savings Account Calculator 5. Life Insurance - Term, Indexed, Universal Life, Whole Life, and Final Expense Insurance Policies Life Insurance Awareness Month - Sept 1 - Sept 30, 2023 Life Insurance Calculator Life Insurance Buyers Guide 6. Long-Term Care Insurance - Traditional and Hybrid Long-Care Insurance from Transamerica, OneAmerica, & others. Long-Term Care Insurance Calculator Shoppers Guide to Long-Term Care Insurance 7. Medicare Advantage Plans - Some $0 premium Plans that include Rx, Dental, Vision, Hearing, Fitness Membership and Over-The-Counter-Items. Most major carriers: Aetna, BayCare, CarePlus, Cigna, Coventry, Humana, Preferred Care Partners, & UnitedHealthcare. National Medicare Education Week - Sept 15 - 21, 2023 2023 Medicare Open Enrollment Period (OEP) - Oc t 15 - Dec 7, 2023 8. Medicare Supplement Insurance - are designed to work with Original Medicare and help pay some of the out-of-pocket costs that Original Medicare (Part A and Part B) doesn't pay, such as coinsurance, copayments, and deductibles. 2023 Choosing a Medigap Policy 9. 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. We represent Aetna, Express Scripts, Humana, SilverScripts, Wellcare , and UnitedHealthcare. 10. Vision Insurance - We offer Vision Insurance Plans from VSP, Davis, Humana, UnitedHealthcare. UnitedHealthcare Vision Insurance VSP Vision Plans Davis Vision Plans Humana Vision Plans

You might be able to save money with a Medicare Supplement insurance plan. Medicare Supplement, or 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. 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 What is a Medicare Supplement Insurance? Should You Buy a Medicare Supplement Insurance Plan? Request FREE Information Click Here! Medicare supplement insurance, often referred to as "Medigap" health insurance, takes care of the health care bills left owing after Medicare is done paying. These bills arise due to coinsurance and deductibles. For Medicare Part B, your coinsurance is currently 20 percent. Depending on the condition you are treated for, that can still amount to many thousands of dollars. People get Medicare supplement insurance to avoid suddenly being on the hook for huge amounts of money like that. That said, not everyone will find that they really need Medigap health insurance. This is simply because not everyone will have an expensive condition to treat, even in advanced age. Because of this, it is common for people to evaluate their need for it based on a few factors. One is their current general health. Someone who is "as healthy as a horse" is relatively safe in not adding Medigap coverage. Meanwhile, a person who is frail, feels generally unhealthy, or already has an ongoing condition will likely find it worth it to add the extra protection. A feeling of general unwellness or lack of strength is a warning bell that something expensive may well be coming up, so buying Medicare supplement insurance is a good bet in these cases. After a certain age, Medicare supplement insurance is always a good idea. That's because no matter what we do, human bodies eventually develop problems. While some manage to make it through life with no lingering illness, it's more common for costs to mount near the end. Then, having extra coverage not only protects you from financial worry, but saves your heirs from dealing with lingering bills. Since you never know what will happen in your last few years, getting plenty of health insurance is a good idea.

Top Rated Medicare/Health Insurance Agency in Pasco County. We provide medicare and health insurance plans from all major carriers in Florida. Our recommendations are unbiased and meet your healthcare needs and budget. 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 Health Insurance Marketplace Trained and Certified...11 th Year of Service in Florida/Tampa Bay! 2020-2022 Circle of Champions Find Local Help with Marketplace Health Insurance ACA Yearly Income Calculator Use this calculator to calculate your Yearly Income 2020 ACA Yearly Guidelines and Thresholds Health Savings Accounts (HSA) for Dummies - eBook Health Savings Accounts in Retirement - eBook 2023 Marketplace Carriers Ambetter Florida Aetna CVS Health AvMed FloridaBlue Health First Oscar Health Florida UnitedHealthcare Short Term Medical Insurance from UnitedHealthOne Golden Rule Insurance Company Health Protector Guard underwritten by Golden Rule Insurance Company ** Watch the Video Hospital/Doctor Indemnity Insurance Plans from Golden Rule Insurance Company Health Insurance Health insurance covers medical expenses for illnesses, injuries and conditions. But, unlike a plan through an employer, individual health insurance is something you select and pay for on your own. So, what’s health insurance for and why do you need it? Because accidents or health problems can happen at any time Medical expenses can be high—they’re the number one cause of bankruptcy To gain access to a network of doctors and hospitals that have negotiated lower rates with insurance companies To pay and keep track of medical payments quickly and easily To safeguard your way of life and your family’s physical and financial wellbeing Find an Affordable Health Plan...Click Here! What is the Health Insurance Marketplace? The Health Insurance Marketplace is a resource where individuals, families, and small businesses can: Compare health insurance plans for coverage and affordability. Get answers to questions about your health care insurance. Find out if you are eligible for tax credits for private insurance or health programs like Medicaid or the Children’s Health Insurance Program (CHIP). Enroll in a health insurance plan that meets your needs. The Marketplace is available online at: Healthcare.gov . Understanding Health Insurance Terms We know health insurance has its own language with different terms, like “deductibles,” “coinsurance” and “copayments.” Once you get a good grasp on some of these basic terms, you’ll see how simple health insurance can be. Let’s start by defining these terms: Deductible: This is a set amount you have to pay toward your medical bills every year before your insurance company starts paying. It varies by plan and some plans have no deductible. Premium: This is the amount you pay your health insurance company to keep your coverage active. Most people pay their premium monthly. Coinsurance: This is the percentage of your medical bill you share with your insurance company after you’ve paid your deductible. Unless you have a policy with 100 percent coverage for everything, you have to pay a coinsurance amount. For example, if you have a $100 doctor’s bill and your plan covers 80 percent of it, your coinsurance amount due to the doctor’s office is 20 percent, or $20. Copayment (or “Copay”): Your copayment, or copay, is the flat fee you pay every time you go to the doctor or fill a prescription. It’s usually a relatively small dollar amount. Copays do not count toward your deductible. There are other insurance terms that may be confusing to you, but starting with these four is a good foundation. You can always check our glossary for more terms and definitions. Short Term Medical Insurance TriTerm Medical Offers: 3-Year Short Term Underwritten by Golden Rule Insurance Company Preventive Care Coverage: You don't have to be sick to access care. After 6 months on the plan, take your family to the doctor for wellness checks -- a $200 benefit per term, per person. Doctor Office Coverage: Doctor visits are covered on all TriTerm Medical plans. With some plans, your first 4 doctor visits (per term, per person) cost $50 each with no deductible to meet. Prescription Coverage: All TriTerm Medical plans have prescription coverage. Copay Select plans have a $25 copay for common (Tier 1) prescriptions.

Protect your Family's Future with life insurance from a Top-Rated carrier for pennies a day. We help you understand plan types and policy options. Call our office today for a free consultation/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 Life Insurance Awareness Month is NOW! What You Need to Know About Life Insurance Guaranteed Life Insurance If you are between the ages of 45-80 years old, you are guaranteed acceptance, regardless of your health. Life Insurance Calculator The NAIC can assist consumers in locating life insurance policies and annuity contracts of a deceased family member or close relationship. Life Insurance - Living Benefits Video from AIG Life Insurance What Is Term Life Insurance? Term insurance is life insurance coverage that is in eff ect for a specified period (or term), after which the insured typically has the option to renew the policy (up to a maximum age). Term policies are said to provide “pure” insurance protection since they provide a death benefi t only—no cash values accumulate in the policy, as they do with permanent insurance. IF EVERY WIFE KNEW WHAT EVERY WIDOW KNOWS, NO HOME WOULD BE WITHOUT ADEQUATE LIFE INSURANCE. Author Unknown... Request a Quote How Does It Work? The insured chooses the term of the policy—typically ten years, fifteen years, twenty years or longer. When the specifi ed term ends, the insured can usually choose to renew the coverage up to some maximum age without proof of insurability. The premium for the new term is adjusted upward, reflecting the insured’s age at renewal. For younger insureds, the premium cost of term insurance is less than the premium cost for the same amount of permanent insurance, since permanent policies build cash values with the additional premium paid. Term life insurance premiums rise at each renewal, and the increase can be quite dramatic as the years go by. To alleviate the eff ect of rising premiums, insurers off er level premium term policies. The premium for level term remains constant for the term the policy is in eff ect. And while the premium at the beginning is higher than the insured would pay for a term policy that doesn’t have this feature, the insured isn’t subject to increases in the later years of the policy term. What Are the Different Types of Term Insurance? Level term insurance maintains the same amount of insurance coverage for a level annual premium over a period of years. Decreasing term insurance gradually reduces the amount of insurance over the policy period. Increasing term insurance gradually raises the amount of insurance over the policy period. What Are the Disadvantages of Term Coverage? Unlike permanent life insurance, term insurance doesn’t build cash values. There is no “savings” element that can be available for future needs, emergencies or retirement. Term insurance premiums increase each time the policy is renewed. They can climb sharply as an insured ages. What Are the Benefits? Term life insurance coverage provides needed protection at a lower initial cost, and may be renewed without proof of insurability. What is Whole Life Insurance? Whole life is cash value insurance that stays in effect as long as premiums are paid. This sets it apart from term insurance, which is for a specified term only and must be renewed at the end of each term. Premiums are paid for the whole of the insured person’s life or until the insured reaches a specifi ed maximum age. A variation of whole life offered by some insurance companies is limited-pay life, where premiums aren’t paid over the insured’s lifetime, but for a limited period of time. When that period is over, the insurance remains in effect with no further premium payments. Typical limited-pay types are 10-pay, 20-pay, 30-pay and life paid up at 65. A 10-pay policy means premiums are paid for 10 years, 20-pay for 20 years, and so forth. The payment period for a life paid up at 65 policy is the number of years between policy’s inception and the insured’s age 65. How Does Cash Value Insurance Work? Whether whole life or limited-pay life, cash value life insurance has several characteristics that differentiate it from term insurance: Protection continues for a lifetime as long as the premiums are paid. Premiums—except for limited-pay policies—are paid for as long as the insured lives. Premiums remain level throughout the payment period. Part of each premium goes toward a cash value that gradually increases over the life of the policy. The net cash values are available to the policyowner in the form of policy loans and surrender value. If a policy is “participating,” the insurance company pays dividends whenever possible. Dividends aren’t guaranteed, but are paid when the company has good results from claim experience, investment income and/or expense management. When dividends are paid, the policyowner has the option to receive them in one of several ways. Cash value insurance policies also have nonforfeiture options that ensure the policyowner won’t lose—or forfeit—all of the money paid into the policy if unable to continue paying premiums. What Are the Benefi ts? Whole life insurance never has to be renewed as long as scheduled premiums are paid on time. The policyowner is assured a predictable, level premium. A savings element is a feature of the policy in the form of the accumulating cash values. Some policies include the potential to receive dividends as a return of premium.

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 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:

We know firsthand that choosing the right Medicare Advantage Plan can be frustrating, confusing and complicated. Let KEMPTON FINANCIAL GRP LLC help you choose from the many Medicare Advantage Plans in the Tampa Bay area. Our goal is to provide a plan that meets your healthcare needs and budget. 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 Medicare & You: The Official Handbook for Medicare published by the U.S. Department of Health & Human Services. At KEMPTON FINANCIAL GRP LLC we are proud of our strong partnerships with the insurance carriers and our thorough understanding of the many Medicare plans, offered to consumers in Tampa Bay/Florida. Our knowledgeable Medicare Specialists conduct in-depth evaluations of each member's coverage and benefits, confidently providing recommendations for new or enhanced Medicare plan options. Our mission is to empower you to learn and make informed decisions and keep the process simple and straightforward. Furthermore, we provide continuous service and support to all members, acting as a reliable extension of your Human Resources department. The team at KEMPTON FINANCIAL GRP LLC is dedicated to delivering exceptional support and personalized service to every client. Our skilled team of Medicare Specialists carefully examines your coverage with the expertise of seasoned professionals. We assess your unique circumstances to identify the best options tailored to your needs and budget. Consider us your trusted insurance partners, dedicated to assisting you in navigating the Medicare landscape. With our knowledge and experience, you can approach this process with confidence and professionalism. Uncover the top Medicare Advantage options for 2025 with our expert guidance. Trust us to manage the research and paperwork while you focus on what matters most. We're committed to making process straightforward and efficient, ensuring you secure the coverage that meets your needs precisely. Rest assured, you're in capable hands! 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. 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 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.“

Complete our Quote/Info form and we will provide you with Free No Obligation Quotes and Information. Or call our office today @ (813) 995-2821. 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 Please complete the form below and we will contact you as soon as possible! There is No Cost or Obligation. Just let us know what type of Quote or Information you need: Annuity, Dental/Vision, Individual/Group Health Insurance, Life Insurance, Medicare Advantage, Medicare Supplement Insurance, Medicare Prescription Drug Plan or Long-Term Care Insurance. Submit Our Privacy Policy Your privacy is our #1 Priority. Your information is NEVER shared, sold, or exchanged with anyone. 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 ©2021 KEMPTON FINANCIAL GRP LLC . All rights reserved.

Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. MA Plans offer extra benefits: Dental, Vision, Hearing, Fitness, & OTC Items. They are offered by private insurance companies approved by Medicare. 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 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 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. 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 2025 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 2025 Part B Premium = $185.00/mo

Marketplace Certified for the 7th year. We offer Top Rated 2020 Individual & SHOP Health Insurance Plans. Find The Best Plan & Save! Choose Your Deductible, Max-out-of-Pocket, Coinsurance, Co-Pays, & Get a Customized Plan Recommendation. Call now to Speak With a trained/certified Agent. 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 2023 Plan Year Health Insurance Marketplace Open Enrollment - November 1 - January 15, 2024 Agents and brokers sell plans on behalf of insurance companies. It is Our 11th Year of Service providing Marketplace Health Insurance to individuals & businesses in Tampa Bay. Health Insurance Marketplace Special Enrollment Period If you qualify for a Special Enrollment Period due to a life event like losing other coverage, getting married, or having a baby. Marketplace Health Insurance Need Individual Health Insurance or a Group Health Insurance Plan? 2023 Open Enrollment - Nov 1, 2023 - Jan 15, 2024 Request a Quote or Call (813) 995-2821 Marketplace Health Insurance A service that helps people shop for and enroll in affordable health insurance. The federal government operates the Marketplace, available at HealthCare.gov , for most states. Some states run their own Marketplaces. The State of Florida uses the Federally Facilated Marketplace or Healthcare.gov . The Health Insurance Marketplace (also known as the “Marketplace” or “exchange”) provides health plan shopping and enrollment services through websites, call centers, and in-person help. Small businesses can use the Small Business Health Options Program (SHOP) Marketplace to provide health insurance for their employees. When you apply for individual and family coverage through the Marketplace, you’ll provide income and household information. You’ll find out if you qualify for: Premium tax credits and other savings that make insurance more affordable Coverage through the Medicaid and Children’s Health Insurance Program (CHIP) in your state On HealthCare.gov , you may be asked to select your state or enter your ZIP code. If you live in a state that runs its own Marketplace, we’ll send you to your state’s Marketplace website. Are you eligible to use the Marketplace? To be eligible to enroll in health coverage through the Marketplace, you: Must live in the United States. Must be a U.S. citizen or national (or be lawfully present). Learn about eligible immigration statuses. Can't be incarcerated . If you have Medicare coverage, you’re not eligible to use the Marketplace to buy a health or dental plan. Learn more about Medicare and the Marketplace. Ask us about Short Term Medical Insuance from UnitedHealthOne/Golden Rule Insurance Company Arthur Kempton , 2020 - 2022 Circle of Champions, Digital Award Certificate ACA Yearly Income Calculator - Use this calculator to calculate your yearly income. 2020 ACA Yearly Guidelines & Thresholds Request a Quote or Call (813) 995-2821