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Discover Medicare Specialists in Pasco County with Kempton Financial Group. Contact us 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 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. 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.“

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

Serving the Insurance and Financial Needs of Individuals, Senior and Businesses in Florida since 1999. Latest News I'm a title. Click here to edit me.

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:

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

Understand medicare part b costs and enrollment. Talk with a Florida Medicare specialist 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 Medicare.gov The Official U.S. Government Website for Medicare 2023 Medicare Open Enrollment - Florida Fact Sheet 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. 2023 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 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? 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: Medicare Parts A/B = Original Medicare. Original Medicare Card is Red, White, Blue with your Name, Part A/B effective dates and Medicare #. 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.

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

Explore medicare supplement plans, costs, and benefits in Land O Lakes, FL. Get local guidance and a no-cost review of 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 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

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

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.

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