Business Details
Your Trusted Medicare Insurance Advisor in Bellmore, NY
Barry Cohen Insurance has dedicated itself to guiding Medicare beneficiaries through the complexities of health insurance options. With a focus on personalized service, we help clients nationwide navigate Medicare Advantage, Supplement, and Prescription Drug Plans while addressing financial concerns associated with retirement healthcare. Our expertise stems from years of experience assisting Baby Boomers in securing affordable coverage tailored to individual needs.We prioritize understanding catastrophic medical cost risks and work to identify plans that balance suitability and affordability. By maintaining contracts with multiple carriers, we provide in-depth comparisons to ensure clients receive optimal coverage. Our commitment extends beyond mere plan selectionwe aim to educate beneficiaries about eligibility benefits and maximize their healthcare security through informed decision-making.
Services
Medicare Advantage Plans
Medicare Supplements
Part D Prescription Plans
Final Expense Insurance
Medicare Plan Comparisons
Highlights and features
- We offer personalized Medicare plan comparisons from multiple carriers
- Our team specializes in maximizing Medicare benefits for retirees
- We provide free consultations to evaluate your specific needs
- We maintain expertise in all Medicare plan types and eligibility requirements
- We help cap catastrophic medical costs through strategic coverage selection
Services
Medicare Advantage Plans
Medicare Advantage Plans combine Part A and B coverage through private insurers. We help clients compare HMO, PPO, and Special Needs Plans to find network-based solutions meeting their healthcare needs. Our guidance ensures understanding of premiums, copayments, and out-of-network costs while verifying eligibility requirements and service area restrictions.
Medicare Supplements
Medicare Supplement Insurance covers 20% of medical costs not paid by Original Medicare. We assist in selecting plans that cover deductibles, copayments, and durable medical equipment. Our service explains network flexibility, prescription drug requirements, and how to combine with Part D plans for comprehensive coverage.
Part D Prescription Plans
Part D Plans provide prescription drug coverage through approved insurers. We help evaluate formularies, tiered pricing, and exceptions processes. Our service compares plan costs, covered medications, and late enrollment penalties while explaining how to maintain creditable coverage without network restrictions.
Final Expense Insurance
Final Expense Insurance covers funeral and memorial costs averaging $8,000. We offer policies to protect families from out-of-pocket burial expenses including caskets, services, and transportation. Our guidance ensures appropriate coverage amounts to preserve savings while addressing end-of-life financial planning.
Medicare Plan Comparisons
Our plan comparison service evaluates all available Medicare options side-by-side. We analyze premiums, benefits, and restrictions across Advantage, Supplement, and Prescription Drug Plans. This service clarifies eligibility, enrollment periods, and late penalty avoidance while providing personalized recommendations based on individual healthcare needs.
People
Barry Cohen
Owner
Barry Cohen specializes in Medicare insurance solutions with decades of experience guiding beneficiaries through complex coverage decisions. He contracts with multiple carriers to provide unbiased comparisons while focusing on catastrophic cost protection for retirees nationwide.
Questions
What's the difference between Medicare Advantage and Supplement plans?
Medicare Advantage replaces Original Medicare with network-based coverage, while Supplements work alongside Original Medicare to cover out-of-pocket costs. Advantage Plans often include Part D, whereas Supplements require separate drug coverage.
How do I qualify for Medicare prescription drug coverage?
You need Part A and B to join a Part D plan. Late enrollment penalties apply if you don't get creditable coverage when first eligible. We help evaluate formularies and tiered pricing structures during enrollment.
Can I change Medicare plans after enrollment?
Yes, you can switch during Annual Enrollment (Oct 15-Dec 7) or qualify for Special Enrollment Periods. We assist with mid-year changes due to coverage changes, moving out-of-network, or losing other insurance.
What does Final Expense Insurance cover?
Final Expense Insurance covers funeral costs averaging $8,000 including caskets, services, transportation, and memorial expenses. Policies help families avoid depleting savings or selling assets to cover burial costs.
How do I get a free Medicare plan quote?
Fill out our online contact form or call us directly. We'll schedule a consultation to review your current coverage, explain available options, and provide personalized plan comparisons at no cost.
