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Posted by Allen Heffler 06/09/2014 If you are turning 65 and new to Medicare, it is important to know that there are very specific guidelines as to when you can enroll into Medicare Part A & Medicare Part B.  You have a seven month window to enroll- the three months prior to turning 65, the month that you are turning 65 and the three months after you turn age 65. If you are currently collecting Social Security benefits, Social Security/Medicare should automatically enroll you on both Parts A & B. You should receive your red white and blue Medicare card approximately 3 1/2 months prior to the first of your birthday month. If you are not collecting Social Security, you need to be pro-active and apply for Medicare Parts A & B. If you a little confused, you are not alone! Just give Allen Heffler a call. He can answer any and all your qestions.

Posted 06/02/2014

Our Mission:

To educate consumers about Medicare and Medicare options in a clear, concise & honest way that allows those consumers to make informed decisions.

Who We Are:

Allen Heffler is an independent insurance broker and agent, helping seniors for 30 years.   A short phone call to Allen Heffler and his team can relieve your Medicare insurance anxiety.  We promise to deliver qualified, competent, courteous and outstanding advice and service.  We are contracted with all of the largest, most respected insurance carriers and guarantee the lowest rates.

The Problem:

Medicare is a complex and confusing.  The experience of selecting and maintaining a Medicare plan on your own can daunting.  Without a knowledgeable and trusted guide by your side, it’s easy to get lost in the current Medicare marketplace.

The Solution:

We help you navigate the complexities of the Medicare transition process every step of the way with education, personalized advice and expert recommendations.  By working with us, you will save time, money, and insure that you are getting the right plan for your situation. This is a rare situation for you, the consumer-  you get all the benefits of an a trusted and experienced advisor, without any additional costs.

Here is Our Promise-Our Guarantee:

1. Objectivity & Unbiased

Allen Heffler and his staff  independent Medicare specialists.  Since we are licensed with all the well-established and nationally known insurance companies, we are completely unbiased and provide you with the benefit of objectivity.  We work for you, and are NOT employed or beholden to any insurance company, This allows us to work honestly for our clients by comparing numerous plans and selecting the one that is BEST for YOU at the Lowest COST.

2. Expertise

For 30 years, broker and agent Allen Heffler has helpe thousands of people with their Medicare plans.  We are the trusted and endorsed providers for the Medicare Plans by such groups as the School District of Philadelphia, The Veterans of Foreign Wars- Pennsyvania (VFW-PA), and PhillyUnions.com. Over the years, we  have refined our educational process into a unique and rigorous 6-Step Medicare Process.  Each step is a natural succession from the step before, thereby providing you a simple and understandable progression of understanding all the ins and outs of Medicare.  The end result of the 6 step process- your complete understanding of your Medicare options to insure that you getting into just the right Medicare Plan at the lowest possible cost.

3. Personal Support

You, the customer, are the sole reason that we are in business.  We strive to always provide exceptional service, the top Medicare insurance companies, at the guaranteed lowest premiums. Just give Allen Heffler or a staff member. We offer the personalized service that you expect from a neighborhood business.  If you live in the Greater Philadelphia area (Philadelphia, Montgomery, Delaware,  Bucks, Chestee counties, South Jersey), we are happy to make home visits.  Otherwise, we promise to explain your Medicare options thoroughly over the phone or email.  We hope to earn your trust and become your trusted Medicare Advisor.

4. Cost

There is NO CHARGE or COST to you for our services!  Whether you apply to an insurance company directly or if you allow us to educate, guide and assist you and should you apply through us, your premium will be EXACTLY the same .

5. Convenience

Rather than individually calling dozens of  insurance companies – where you will often endlessly sit on hold only to tell your story multiple times to multiple people, and still have to hope you are doing it right – you can instead dial one number.  By calling us, we will provide you with comprehensive services for all your Medicare needs.  We will answer your questions honestly, in a straightforward manner.  Your new/renewal application is likely to process more quickly when submitted by an experienced agent. Try to do it yourself or utilize an experienced, trusted, unbiased professional. At NO COST TO YOU. If you live in the Greater Philadelphia area  Allen is happy to make home visits.  Otherwise, we will explain your medicare options in detail over phone, e-mail, or priority mail. And still provide you will unparelled service.

6. Policy Maintenance & Annual Reviews Custom Care Alerts

You don’t just choose a plan and then never hear from us again.  Should any problems arise, we are a phone call away. At renewal time, we provide each client with an annual review.   We will compare the price and benefit terms offered by your current policy with those offered by other insurance companies. With the uncertain state of healthcare nationwide these days, it’s important to have a trusted partner looking out for your best interests. Custom Care Alerts provide you with unparalleled peace of mind and the knowledge that you have an experienced, professional guide by your side for many years to come Our goal is to educate you, HELP you understand your Medicare options and enroll you in the plan that is BEST FOR YOU, at the lowest possible costs. We hope to have the priviledge to earn your trust and become your advisor.

Posted 05/29/2014  Are you currently on a Medicare Part D prescription plan? You might be able to receive help for your Part D drug costs through the state of Pennsylvania’s PACE program. Through the PACE and PACEnet program, you may be eligible for reduced Part D premiums and reduced co-pays. To be eligible for PACE or PACEnet:

• ·        You must be 65 years of age or older
• ·        A Pennsylvania resident for at least 90 days prior to the date of application 
• ·        You cannot be enrolled in the Department of Public Welfare’s Medicaid prescription benefit

PACE and PACENET eligibility is determined by your previous calendar year’s income.  PACE  

• ·        For a single person, total income must be $14,500 or less
• ·        For a married couple, combined total income must be $17,700 or less

  PACENET  

• ·        PACENET income limits are slightly higher than those for PACE
• ·        For a single person, total income can be between $14,500 and $23,500
• ·        For a married couple, combined total income can be between $17,700 and $31,500

  Benefits

• Reduced Premiums
• Reduced Co-pays (PACE- $6/Generic, $9/Brand. PACEnet- $8/Generic, $15/Brand.
• Open s up a Special Enrollment Period that allows you to switch Medicare Advantage Plan anytime during the year!

I fully realize that all of this can be extremely confusing. I am here to help! Allen Heffler has been assisting seniors with their Medicare Insurance for over 25 years. Just call Allen Heffler at (215) 658-1776

05/28/2014 If you are 65 years of age or older and leaving employer based health insurance, there are several important steps that you must do concerning your health coverage. First, you must insure that you have both Medicare Part A and Medicare Part B. If you work for a larger employer, chances are good that you do not have Medicare Part B. You need to apply for Medicare Part B by going to your local Social Security office. There, they will give you a form that your employer needs to complete (verifying past employer-based creditable coverage). The second step, which can be done concurrently with the above first step, is to apply for Medicare Insurance- either Medicare Supplement and Part D, or a Medicare Advantage Plan. I realize that all of this can seem a bit overwhelming, but that is exactly where Allen Heffler can help! Allen specializes in Medicare Insurance, and he can walk you through the process every step of the way. Call Allen Heffler at (215) 658-1776