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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.“

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

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

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

Learn the true facts about annuities No fees-guaranteed income-highest rates. Get guaranteed income with no market risk. Call us to get a Free quote & compare today! 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 Annuities Request Information...Click Here!! Fixed Annuities - are insurance products which protect against the risk of outliving your income. They are insured by licensed and regulated insurance companies, similar to how your home, auto or health is insured. Fixed Index Annuity - is a tax-favored accumulation product issued by an insurance company. It shares features with fixed deferred interest rate annuities; however, with an index annuity, the annual growth is bench-marked to a stock market index (e.g., Nasdaq, NYSE, S&P500) rather than an interest rate. Single Premium Immediate Annuity (SPIA) - is a contract with an insurance company whereby: You pay them a sum of money up front (known as a premium), and. They promise to pay you a certain amount of money periodically (monthly, for instance) for the rest of your life. Immediate Annuity Calculator Annuity Buyer's Guide - Fixed Deferred Annuities NAIC Annuity Guide - Fixed Deferred Annuities Annuity Buyer's Guide - American National Insurance Company Immediate Annuity - Case Study - How it Works

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 Visitor Analytics 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.

Discover medicare supplement plans in Land O Lakes, FL. Get expert advice and explore medicare supplement plans tailored to you. 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 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

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 Visitor Analytics 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

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 Visitor Analytics 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.

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 Visitor Analytics 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 Visitor Analytics 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.