65 & Ready

Taking you from the
Medicare muddle
to clarity and coverage

Taking you from the Medicare muddle to clarity and coverage

Receive expert guidance and support
in navigating the Medicare process – at no cost.
Led by the Medicare expert, Shmuel Zaidman,
our team will compare hundreds of plans to find the perfect fit for you.

Free, no obligation

Medicare
Supplement
Plans

Medicare Advantage
Plans

Prescription
Drug Plans

Insurance
Changes

Senior
Health
Support

Your 65th is on the horizon

Your mailbox is brimming with insurance offers,
and your phone is hijacked by silver-tongued telemarketers. 

Yes, you’re hearing a lot about Medicare, Medigap, and many new programs because there are significant changes in your healthcare coverage when you turn 65.

Understanding the process, enrolling in Medicare, and choosing a plan can seem overwhelming.

65 and Ready is here for you

As a leading insurance brokerage agency for 17+ years, we’re here to:

Assist you in the Medicare
enrollment process

Guide you to the right
Medigap plan

Provide continued support for any changes and questions that comeup in the future

*Always free of charge*

We contract with all major carriers nationwide

This gives us the power to compare all your options and
match you with a plan that fits your health and financial circumstances.

Behind 65 and Ready, there’s a great man

Our team of brokers is led by Mr. Shmuel Zaidman.

Shmuel has an unmatched wealth of Medicare knowledge and personally oversees every case. With almost 2 decades of experience in the full gamut of insurance policies and everything Medicare-related, Shumel Zaidman has become the man in the community synonymous with the word: Medicare.

“I got so many calls and letters for health plans that I didn't know where to start. Shmuel Zaidman, from 65 and Ready, sat down with me and found one that fit my needs, and I couldn’t be happier.”

“I found it comforting to speak to Shmuel Zaidman. He was extremely knowledgeable, but mostly so kind and patient with his explanations of Medicare benefits. In the confusing Medicare process, it was a breath of fresh air to find someone I was able to put my confidence in and know I was getting the best deals possible.”

“In the ever-changing world of healthcare, it’s crucial to have a resource that is trustworthy and knowledgeable. Shmuel Zaidman has always been there time and time again to help guide my patients in making the best decisions for their health.”

The ABCs of Medicare

(Skip this, if you prefer to leave all the jargon and fancy words to us.)

When you turn 65, you must enroll in Medicare,
the government insurance program for seniors citizens.

The 4 main parts of Medicare:

PART A

Inpatient
Hospital
Coverage

PART B

Outpatient
Hospital
Coverage

PART C

Medicare
Advantage
Program

PART D

Prescription
Drug
Coverage

PLAN A
Inpatient
Hospital
Coverage

Optional

Covers:

Semi-private hospital room
Meals
Doctors and nurses fees
Skilled nursing facility post hospital stay
Hospice and blood transfusions

PLAN B
Outpatient
Hospital
Coverage

Optional

Covers:

Doctor visits
Lab work
Physical therapy
Medical supplies

Part B also covers things that may happen in a clinical or hospital setting:

Outpatient surgery
Ambulance rides
Diagnostic imaging
Dialysis
Chemotherapy and radiation

PLAN C
Medicare
Advantage
Program

Optional

This is not part of original Medicare.

Part C is essentially a private insurance, where an individual opts out of government-funded Medicare and chooses to receive all Medicare Parts A and B services and sometimes Part D benefits from a private local network provider like an HMO or PPO.

Learn more

PLAN D
Prescription
Drug
Coverage

Optional

Part D is administered by private insurance companies approved by Medicare to cover the cost of outpatient medications.

*This is not part of Original Medicare and is usually purchased with your Medicare Supplement Plan

Mind the gap

Step 1
.

You enroll in Medicare Parts A and B, also known as Original Medicare.
Yet, Uncle Sam only covers 80% of your medical needs.

. Step 2
.

You need to purchase a private plan to insure you for the 20% gap in Medicare coverage.
These supplemental plans, also known as Medigap plans, pay for the gaps in coverage of Parts A and B, as well as prescription drugs (Medicare Part D).

We help you select the coverage option that makes sense for you.

Every person has unique health needs, lifestyle preferences, and financial considerations.
We take all these factors into account when guiding you to the right Medigap plan.

There are 2 coverage options, and you’ll need
to select a carrier from one of these:

Medicare Supplement
+ Prescription Drug Plan

Covers the gaps of Medicare Parts A and B as well as prescription drugs (Medicare Part D).

Medicare
Advantage

Medicare Part C: A person opts to receive all Medicare coverage from a private provider.

Choosing the right coverage option requires expertise

You need to weigh the pros and cons with someone who deeply understands the options.

You have only one opportunity to enroll without answering any medical questions.

Although it’s possible to change your insurance, it’s much harder to do so later on.

Medicare is complex. Our process is simple.

65 and Ready has got you covered

All our services are always free of charge

Guiding you through the entire Medicare enrollment process

Helping you choose the right Medigap coverage for your needs

Answering all your questions in simple and straightforward language

Taking care of all the paperwork or providing exact instructions

Assisting with any changes due to a move, retirement, or policy update

Providing continued support for all Medicare questions that may arise

“For years, LRRC clients have benefitted from the expert guidance provided by Shmuel Zaidman. Time and again, Mr. Zaidman has helped each client access the proper Medicare coverage that is appropriate for his/her situation.”

“Shmuel provided invaluable guidance and expert advice and kindly offered that I call him anytime in the future.”

You have only one chance to enroll in a Medigap
supplemental plan with no questions asked.

Every senior has their own 6-month enrollment period:
6 months after their 65th birthday (or after their Medicare Part B takes effect).

During this window, any Medigap provider:

Can not ask you any medical or financial questions
Must accept you if you apply

Additionally,
3 months before and after the month you turn 65 (or begin Medicare Part B),
you have a 7-month window to enroll in a Medicare Advantage or Prescription Drug Plan
with guaranteed acceptance and no medical or financial questions.

Getting on a good plan now
covers you for many wonderful years.

Insurance changes can be made every year during the general open-enrollment period, from
October 15 until December 7 (or, in case of an error, from January 1- March 31)
And there are many cases where you might need to make a change.

However,

At that point, Medigap providers have the right to:

Inquire about your current medical and financial statuses
Impose higher plan prices
Apply insurance-related penalties
Deny coverage

Don’t resort to Plan B

Let’s help you choose the right plan
now to cover you best.

Let’s help you choose the right plan now to cover you best.

No obligation. Either via phone or Zoom.