Get Help with Advantage, Supplement & Rx Drug Plans with Confidence
Finding the right health insurance policy can feel overwhelming. That’s why I provide a wide range of options from trusted companies — including Medicare Advantage, Medicare Supplement, and Rx Drug Plans. My goal is to guide you every step of the way, offering not only the right plan tailored to your needs but also comprehensive support with all aspects related to Medicare.
LILIANA KETH
Independent Agent
LILIANA KETH
Independent Agent
You have options! I’m here to help!
I am here to help you at no cost or obligation to you!
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Continue with your employer plan if you’re still working - Continue with your retiree/military plan if applicable
- Enroll in a Part C, Medicare Advantage Plan, which can include your Part D, Prescription Drug coverage
- Enroll in a Medicare Supplement plan and a stand-alone Part D, Prescription Drug plan
Who is eligible for Medicare?
If you do not have Social Security when you turn 65 — You will need to take the step to sign up for Medicare and Liliana Keth, Independent Agent is here to help you.
- Age65 and older
- DisabilityUnder 65 and receiving Social Security Disability Insurance (SSDI) payments for more than 24 months
- IllnessAny age with end stage renal disease or ALS
- ResidencyU.S. Citizen or permanent resident for five consecutive years
The Medicare Basics
Original Medicare:
Part A
(Hospital Insurance)
Part A
(Hospital Insurance)
PROVIDES COVERAGE FOR:
Read more - Inpatient hospital care
- Skilled nursing facilities
- Hospice care
- Limited home health care
Original Medicare:
Part B
(Medical Insurance)
Part B
(Medical Insurance)
PROVIDES COVERAGE FOR:
Read more - Doctor visits and preventative services
- Outpatient surgery
- Diagnostic screenings
- Emergency care
- Durable medical equipment
Part A Costs
Eligible and paid into Social Security for 40 quarters:
Pay no cost for Part A.
Eligible and paid at least 30 quarters:
Reduced cost: $311
Eligible and paid less than 30 quarters:
Full cost: $565
Don’t qualify on your own?
May be eligible base on your spouse’s work history when you turn 65.
Interested in this plan?
Leave a request in form below and and Independent agent Liliana Keth will contact you back.
Pay no cost for Part A.
Eligible and paid at least 30 quarters:
Reduced cost: $311
Eligible and paid less than 30 quarters:
Full cost: $565
Don’t qualify on your own?
May be eligible base on your spouse’s work history when you turn 65.
Interested in this plan?
Leave a request in form below and and Independent agent Liliana Keth will contact you back.
By clicking the button you agree to our Privacy Policy
Part B Costs
Annual Deductible: $283
Deductible must be paid before Medicare can pay for 80% of your bill.
Total Cost You Owe: 20%
After deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services.
You may incur additional costs if a doctor does not accept Medicare.
The standard Part B cost is $202.90 each month
(or higher depending on your income. See the IRMMA Income Bracket slide.)
Part B - Late Enrollment Penalty
Show more
Interested in this plan?
Leave a request in form below and and Independent agent Liliana Keth will contact you back.
Deductible must be paid before Medicare can pay for 80% of your bill.
Total Cost You Owe: 20%
After deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services.
You may incur additional costs if a doctor does not accept Medicare.
The standard Part B cost is $202.90 each month
(or higher depending on your income. See the IRMMA Income Bracket slide.)
Part B - Late Enrollment Penalty
Show more
Interested in this plan?
Leave a request in form below and and Independent agent Liliana Keth will contact you back.
By clicking the button you agree to our Privacy Policy
Original Medicare generally covers 80% of your hospital and medical expenses.
Ask Medicare expert Liliana Keth for any additional info
-
Original Medicare does not cover:- Deductibles
- Copays/Coinsurance
- Outpatient Prescription Drugs
- Healthcare outside the U.S.
- Hearing Aides, Exams, Screenings
- Routine Eye Exams and Most Glasses
You have options for additional coverage:
Most Part C plans includes:
Medicare Advantage plans are offered by private insurance companies approved by Medicare and is an alternative option to Original Medicare.
Includes:
Includes:
(Medicare Advantage)
Additional Coverage:
Part C
Part C
Part D - Prescription Drug Coverage
Part B - Medical Coverage
Part A - Hospital Coverage
For some prescription drug costs
Two types of Part D Coverage
Stand-alone OR with an integrated Medicare Advantage plan
Must be enrolled in Part A and/or Part B
Live within the plan’s service area
Two types of Part D Coverage
Stand-alone OR with an integrated Medicare Advantage plan
Must be enrolled in Part A and/or Part B
Live within the plan’s service area
Provides coverage for:
(Prescription Drugs)
Additional Coverage:
Part D
Part D
Can cover deductibles, copays, and coinsurance
Freedom to choose any Medicare-appointed doctor in the U.S.
Standardized plan letter with associated services
Has a monthly cost and will vary based on county/zip code
Freedom to choose any Medicare-appointed doctor in the U.S.
Standardized plan letter with associated services
Has a monthly cost and will vary based on county/zip code
Can fill some of the gaps Original Medicare does not cover.
Additional Coverage:
Medicare Supplement
Medicare Supplement
Medicare Supplements do not cover:
- Prescription Drugs
- Drug coverage will need to be separate through:
- Prescription Drug Plan, or
- Other creditable coverage
Interested in this plan?
Leave your contact to discuss any additional details with Independent agent Liliana Keth.
By clicking the button you agree to our Privacy Policy
Part D Coverage
PHASE 1 / ANNUAL DEDUCTIBLE
The amount you pay before a plan covers your prescription drug costs.
Deductible Range: $0 - $615
PHASE 2 / INITIAL COVERAGE
The plan pays its share of the cost, and you pay your share (copays and coinsurance).
Your Maximum Out-of-Pocket Rx Drug Costs (copays and coinsurance): $2,100
PHASE 3 / CATASTROPHIC COVERAGE
After you reach the MOOP, the plan will pay your drug costs for the rest of the year.
No copay or coinsurance.
Part D - Late Enrollment Penalty
⚠️ Did not sign up for Part D when first eligible and did not have creditable coverage for more than 63 days?
You may have to pay a late enrollment penalty for as long as you have Part D.
⚠️ Monthly cost will have a penalty of 1% of the national base premium multiplied by the full, uncovered months you were eligible.
NATIONAL BASE PREMIUM: $38.99
Interested in this plan?
Leave your contact to discuss any additional details with Independent agent Liliana Keth.
The amount you pay before a plan covers your prescription drug costs.
Deductible Range: $0 - $615
PHASE 2 / INITIAL COVERAGE
The plan pays its share of the cost, and you pay your share (copays and coinsurance).
Your Maximum Out-of-Pocket Rx Drug Costs (copays and coinsurance): $2,100
PHASE 3 / CATASTROPHIC COVERAGE
After you reach the MOOP, the plan will pay your drug costs for the rest of the year.
No copay or coinsurance.
Part D - Late Enrollment Penalty
⚠️ Did not sign up for Part D when first eligible and did not have creditable coverage for more than 63 days?
You may have to pay a late enrollment penalty for as long as you have Part D.
⚠️ Monthly cost will have a penalty of 1% of the national base premium multiplied by the full, uncovered months you were eligible.
NATIONAL BASE PREMIUM: $38.99
Interested in this plan?
Leave your contact to discuss any additional details with Independent agent Liliana Keth.
By clicking the button you agree to our Privacy Policy
Part C: Medicare Advantage Plan
Medicare Advantage plans are offered by private insurance companies approved by Medicare and is an alternative option to Original Medicare.
Interested in this plan?
Leave your contact to discuss any additional details with Independent agent Liliana Keth.
Interested in this plan?
Leave your contact to discuss any additional details with Independent agent Liliana Keth.
By clicking the button you agree to our Privacy Policy
Enrollment Periods
(IEP)
(IEP)
Initial Enrollment Period
7-month “Turning 65” Election Period
(AEP)
(AEP)
Annual Enrollment Period
October 15 to December 7
(OEP)
(OEP)
Open Enrollment Period
January 1 to March 31
Lock-in Period
April 1 to December 31
(SEP)
(SEP)
Special Enrollment Period
Special circumstances within the year
Medicare Supplement Enrollment Period
A six-month window that begins on your Part B effective date or 65th birthday, whichever is later.
- No medical underwriting.
- Can choose from any Medicare Supplement Plan options.
- All plan options may not be available.
- If you do not qualify for a GI situation, you may need to undergo medical underwriting.
Medicare Supplement Guaranteed Issue (GI)
There are several other GI situations to enroll into a Medicare Supplement plan with no underwriting. For example:
- Loss of coverage
- Moving to a new area, and many more
Medicare Supplement Guaranteed Issue (GI)
There are several other GI situations to enroll into a Medicare Supplement plan with no underwriting. For example:
- Loss of coverage
- Moving to a new area, and many more
- All plan options may not be available.
- If you do not qualify for a GI situation, you may need to undergo medical underwriting.
See complete information about Medicare plans, rates and additional explanations in short slideshow
Understanding Your Medicare Options
FAQ
Medicare is a federal health insurance program mainly for people age 65 and older, and for some younger individuals with qualifying conditions.
Most people can enroll around their 65th birthday during their Initial Enrollment Period. There are also Special Enrollment Periods in certain situations.
Not always. Many Medicare plans allow you to keep your current doctors, as long as they are in the plan’s network.
Medicare helps cover hospital care, doctor visits, preventive services, and some prescription drugs. Coverage details depend on the specific plan you choose.
The best plan depends on your healthcare needs, medications, doctors, and budget. Comparing plan options can help you find one that fits your situation.
I began my professional career in law enforcement while earning a Master’s degree in Law from a State University. After 15 years of service, I retired as Chief of the County Investigation Department and founded an independent law firm, Lex, focusing primarily on corporate law.
After relocating to the United States in 2000, I worked in various roles while learning English. In 2004–2005, I obtained real estate and investment licenses (Series 6, 63, 26, and 65) and began working as an Investment Advisor Representative.
Since moving to Sacramento in 2020, I have focused on serving the Slavic community. While continuing my investment practice, I now devote most of my professional activity to estate planning and Medicare services, which represent the primary needs of this population.
After relocating to the United States in 2000, I worked in various roles while learning English. In 2004–2005, I obtained real estate and investment licenses (Series 6, 63, 26, and 65) and began working as an Investment Advisor Representative.
Since moving to Sacramento in 2020, I have focused on serving the Slavic community. While continuing my investment practice, I now devote most of my professional activity to estate planning and Medicare services, which represent the primary needs of this population.
Independent Agent
Liliana Keth
Our Clients Say
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Ready to find the plan that fits your needs or have more questions?
I am here to help you at no cost or obligation to you!
By clicking the button you agree to our Privacy Policy
Ready to find the plan that fits your needs or have more questions?
I am here to help you at no cost or obligation to you!
By clicking the button you agree to our Privacy Policy
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