4905 Radford Ave Ste 110, Richmond 23230
Serving Richmond & Surrounding Counties

Office Hours: Mon – Fri 9 AM – 5 PM

Contact & Resources
(804) 240-0600

Walking you through Medicare

Gail Yoss, Personal Medicare Consultant
Authorized Independent Broker & Agent since 2010

I am here to help my fellow seniors make informed decisions about medicare and supplemental health insurance. I provide free, in-person consultations and assisted online enrollment. Offering Medicare Advantage, Supplement ( Medigap) and Part D Prescriptions Drug Plans from these top rated insurance carriers:

How Can I Help?
How Can I Help?

Understanding Your Medicare Plans & Options

Medicare Advantage – Supplements ( Medigap) – Prescriptions Drug

Your choices – Choose only One Plan

A Medicare Advantage plan includes your Part A -hospital, Part B- medical and sometimes a Part D prescription drug plan. This plan has it all. A cost sharing plan for you.
– OR –
A supplement plan includes Medicare’s Part A & B but no Part D. Must purchase a drug plan separately.

You must have your Medicare card with both Parts A & B effective dates to be eligible to enroll into any plan

When Should I sign up for Medicare?
Schedule a FREE Consultation

When Should I get Medicare?

You need to apply 3 months prior to your 65th birthday –
Enroll online at www.medicare.gov
Call by phone at 1-800-MEDICARE
Visit your local Social Security Office

Initial Enrollment Period – Apply for Parts A & B

Sign up early to avoid a delay in coverage. To get Part A and/or Part B the month you turn 65, you must sign up during the first 3 months before the month you turn 65. If you wait until the last 4 months of your Initial Enrollment Period to sign up for Part A and/or Part B, your coverage will be delayed.

Contact & Resources

Offering Medicare Advantage, Supplement (Medigap), and Part D Prescription Drug Plans from top rated insurance carriers:

The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan. Limitations, co-payments, and restrictions may apply. Benefits, formulary, pharmacy network, provider network premium and/or co-payments/co-insurance – may change January 1 of each year.

Prescription Drug Coverage:

Wellcare – Self-Enroll

Dental and Vision (any age):

Humana Dental & Vision
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Shop Alternative Health Insurance:

Featured provider on MedicareSupp.org

4905 Radford Ave Ste 110, Richmond 23230
Serving Richmond & Surrounding Counties

Call, Text or Email Gail Yoss
Authorized Independent Broker & Agent since 2010

(804) 240-0600

Apply 3 months prior to your 65th birthday month.

No, only if your group requires you to get Medicare.

For 2020, the amount is $144.80.

If you will be receiving SS (Social Security) benefits the monthly premium will be deducted and automatically sent to Medicare. If you are not then Medicare will invoice you until you begin to receive SS benefits. Yes, this premium will be increased by Medicare each year.