Medicare& Wellbeing is an Independent Licensed
Insurance Agency Focused on Medicare and Education
Medicare, the federal health insurance program for people ages 65 and over and younger people with long-term disabilities, plays a major role in the U.S. health care system.
Medicare provides health insurance coverage for more than
65 million people, nearly 20% of the U.S population – a share which will grow larger in the coming decades
Hello, I'm Paul Scallan and I have helped hundreds of families with Medicare decisions.
Each family has unique considerations, and most Medicare options have rules & exceptions.
Where you live, your health and your personal circumstances all may be a consideration in matching you with the best plan
I am Not affiliated with or endorsed by the U.S. government, Medicare, CMS, or Social Security. We do not offer every plan available in your area.
I attempt to be a non-biased source of information and guide your best options. No fees are ever charged to clients.
You will find resources to State & Federal websites, classes and community.
Real Answers and Help for Real People
Medicare Quiz
;;;;;;;
Part D - How it Works
Three Different Phases of Coverage you go through in Part D
Your Medicare Part D drug costs can change throughout the year, and it's all because of the different phases of coverage you go through.
Here's the breakdown:
Phase 1:
Deductible Period
You're responsible for the full price of your drugs until you hit your deductible. Once you do, your plan starts chipping in. * Keep in mind that no plan's deductible can be higher than $590 in 2025, and some plans don't have a deductible at all.
Phase 2:
Initial Coverage Period
Your plan is now helping to pay for your drugs, but you'll still have some out-of-pocket costs. This phase ends when you reach $2,000 in total drug costs.
Phase 3:
Catastrophic Coverage
* You've hit the $2,000 mark, and you're in the clear! You'll pay $0 for your covered drugs.
Your Part D plan should track your progress through these phases and provide you with this information in your monthly statements.
Important note: Your plan can change the cost of your drugs during the year, but they're required to give you a heads-up. They can't change your deductible or premium during the year, though.
OFFICIAL MEDICARE WEBSITE IS
Official Medicare 2025 Document:
https://www.medicare.gov/publications/10050-medicare-and-you.pdf
Your State S.H.I.P office can be found here
We are not associated with Federal Organizations of Medicare, CMS or Social Security. Neither Medicare, CMS or the Federal Government has approved or seen this Video.
These videos are my opinion and based on helping hundreds of people to enroll in Medicare. WE do not offer all plans in your area.
We Happily help concierge you to all state and federal departments.
Confused ? Start With the 5 Steps Below
#1
Determine Your Enrollment Period
#2
Learn About Medicare Parts
#3
Estimate Out-of-Pocket Costs
#4
Check for Additional Benefits
#5
Consult a Medicare Expert or state S.H.I.P. Office
Small Call to Action Headline
How to Choose the Right Medicare Plan for You?
Medicare Is a Patchwork of Parts, Plans & Rules
And One Size does not Fit All
Medicare Coverage is important for taking care of yourself
for the rest of your life.
Gain Clarity & Confidence to choose the
Best Medicare Plan for yourself
Need Fast help?
Ask Violet the Chat bot trained in Medicare
Or
You can Call Me Also
504-233-6474
Let's start a Conversation
Violeta habla español !
“In the end, it's not the years in your life that count. It's the life in your years.” Abraham Lincoln
The Matrix
to view your Health Insurance
HEALTH
FINANCES
LOCATION
LIFESTYLE
Hello! This is your 2025 update on Medicare costs.
Medicare Part B Premium: *
$185 (a $10.30 increase from 2024)
*May be more based on your income
Medicare Part B Deductible : $257 (a $17 increase from 2024).
Medicare Part A In-Patient Hospital Deductible: $1,676 (an increase of $44 from 2024).
Medicare Part B Premium: *
$185 (a $10.30 increase from 2024)
*May be more based on your income
Medicare Part B Deductible : $257 (a $17 increase from 2024).
Don't forget Extra Help & Medicaid
LIS - Low income subsidy is a Federal Program, also known as Extra Help - can help some low income households qualify for cost assistance with Prescription Medications
The FREE Challenge is available at
https://tinymedicarechallenge.com/
The FREE quiz is available at gomedicarequiz.com
AsK Violet the Chat bot or send email to [email protected] or call
504-233-7474 and ask your Medicare Questions to the Voice AI trained to answer general questions.
Hola!
Violeta habla español !
NEED A QUICK ANSWER?
Call or Text YOUR MEDICARE QUESTIONS to Violet
TO GET INSTANT ANSWERS :
504-233-6474
L E T'S T A L K
Never a Fee for our Services
Having peace of mind as you age is important
&
Choosing the Right Medicare Plan can Help .
Medicare Coverage is important for taking care of yourself for the rest of your life. Gain Clarity & Confidence to choose the Best Medicare Plan for yourself.
SEE GRAPHIC
OF TWO MAIN MEDICARE CHOICES
THERE ARE OTHER WAYS TO GET YOUR MEDICARE DELIVERED FOR CERTAIN PEOPLE - THESE ARE JUST THE MAIN TWO
There are 2 main ways to get your Medicare coverage
ORIGINAL MEDICARE
(left column)
MEDICARE ADVANTAGE
(right column)
Original Medicare or Medicare Advantage ?
The choice has rules and considerations
Enrollment Questions
Contact me or use and Independent Source KFF & Medicare.gov
Enrollment Periods
When can I sign up?
There are specific times when you can join a Medicare Advantage or Medicare drug plan, or make changes to your existing Medicare coverage:
During your Initial Enrollment Period (IEP) when you first become eligible for Medicare, or when you turn 65. During certain yearly enrollment periods.
Under certain circumstances if you qualify for a Special Enrollment Period (SEP) See below. Also, don't forget the Annual Enrollment Period (AEP), Open Enrollment Period (OEP) & the General Enrollment Period (GEP)
Initial Enrollment Periods
Your first chance to sign up for Medicare is called your Initial Enrollment Period. It lasts for 7 months. If you’re eligible for
Medicare because of your age, the Initial Enrollment Period starts 3 months before you turn 65, and ends 3 months after the month you turn 65.
General Enrollment Period
This is
a three-month period each year when people can sign up for
Medicare: January 1 to March 31 known as the General Enrollment Period (GEP)
During this period you can leave from one Medicare Advantage plan to another Medicare Advantage plan or go back to Original Medicare .
Annual Enrollment Period
This happens every year.
October 15–December 7
also
Medicare Advantage
Open Enrollment Period
If you’re already enrolled in a Medicare Advantage Plan, this period is the same time frame as the General Enrollment Period & runs from
January 1– March 31
Other Enrollment Periods are available -speak to a Medicare Health Agent
ARE YOU ON MEDICAID & MEDICARE ?
g
FIND HELP BELOW
( Food, Housing, Legal, Transit etc..)
WE DO NOT OFFER ALL PLANS IN YOUR AREA
We represent organizations which offer products in your area. Please contact Medicare.gov , 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
We are an independent, unbiased Licensed Health Insurance Agency, licensed in multiple states and contracted with several major carriers, including Humana, United, Aetna, etc.
While we are not affiliated with or endorsed by the United States government or the Federal Medicare program, we can assist you in your
communications with them.
For comprehensive information on all your options, we recommend contacting www.Medicare.gov or calling 1-800-MEDICARE.
Medicare has neither reviewed nor endorsed the information we provide
FEDERAL, STATE & SOCIAL RESOURCES BELOW
Apply for Free Government Phone
https://www.usac.org/video/li/how-to-apply-for-lifeline-online/index.html
Apply for Assisted or Free Internet Access Assistance ( Wi-FI)
https://www.getinternet.gov/apply?ln=RW5nbGlzaA%3D%3D
Community Resource Guide:
Resources
RESOURCES
American Indian Resources
FINANCIAL RESOURCES
Internet Assistance
MORE EDUCATION RESOURCES BELOW
Loneliness & Social Isolation
CLICK to Read
Video on Aging watch with your family
Heart Health
Eating Healthy with Diabetes
Joy of Living
Stories & Healing
I am here to help you.
Licensed Insurance Agency
Not connected with or endorsed by the United States government or the federal Medicare program.
We do not offer every plan available in your area.
Any information we provide is limited to those plans we do offer in your area.
CHAT here or TEXT or email me your questions in the chat so I can guide you if you would like help. Never a Fee.
Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Medicare has neither reviewed nor endorsed this information. Not connected with or endorsed by the United States government or the federal Medicare program.We are an independent, unbiased Licensed Health Agency & licensed in multiple states with contracts with many of the major carriers like Humana, United, Aetna etc.
We never charge any fees for our services. Consultations are always free of charge. We are paid directly from the Carriers and seek most of our business through referrals from happy customers.
My name is Paul Scallan, founder of MEDICARE-YOU.
We represent organizations which offer products in your area. Please contact Medicare.gov , 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
See above links to Federal & State Resources in website links and more info.
1-800-MEDICARE
https://medicare.com/
(1-800-633-4227)
Or call your state S.H.I.P
By calling this number or providing your information, you agree to speak with a licensed insurance agent about Medicare Advantage or Medicare Supplements.
WE never sell or share your information...
OFFICIAL SITE OF MEDICARE IS
www.medicare.gov
We are not associated with Federal Organizations of Medicare, CMS or Social Security.
However, we can guide you on what the best practices are to secure your state and federal entitlements.
We are Licensed Health Insurance Agents and do not offer all plans in your area
DISCLAIMER : By entering your name and information and clicking the Submit button, you are consenting to receive calls, emails or texts regarding Medicare Advantage and Medicare Supplement plans and engage with a licensed insurance agent. You may opt out of these communications at any time by clicking the box below if you wish to discontinue any of these communications.
Hello, Nice to meet you.
My name is Paul Scallan, founder of MEDICARE-YOU.
We are an independent, unbiased Licensed Health Agency & licensed in multiple states with contracts with many of the major carriers like Humana, United, Aetna etc.
We never charge any fees for our services. Our values are to inspire, educate and serve . Consultations are always free of charge. We are paid directly from the Carriers and seek most of our business through referrals from happy customers.
We represent organizations which offer products in your area. We do not offer all of the plans available in your area.
Please contact Medicare.gov , 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. See link to Federal & State Resources in website links and more info.
We may not offer every Plan in Your area.
We are NOT affiliated, work for or represent the Federal Government, Social Security, Medicare or any State or Federal agency-
However, we can assist you with your engagement with any of the entities.
ClICK here for State & Federal resources
https://www.medicare-you.com/medicare-facts-and-info-graphics
We may not offer every plan in your area, please contact
Medicare
1-800-MEDICARE
(1-800-633-4227)
Or call your state S.H.I.P
CHAT here or TEXT or email me your questions in the chat so I can guide you .
By calling this number or providing your information, you agree to speak with a licensed insurance agent about Medicare Advantage or Medicare Supplements.
CALL or TEXT 504-233-6474
NEVER A FEE FOR MY SERVICE
© 2025 Medicare and Wellbeing - We are NOT affiliated , work for or represent the Federal Government, Social Security , Medicare or any State or Federal agency.
Paul Scallan has his resident license in the State of North Carolina Lic. All Rights Reserved - Terms & Privacy Apply
-
© 2023 Medicare and Wellbeing - We are NOT affiliated , work for or represent the Federal Government, Social Security , Medicare or any State or Federal agency. We may not offer every plan in your area, please contact www.medicare.gov or call your state S.H.I.P office.
Paul Scallan has his resident license in the State of Louisiana Lic # 712886 - All Rights Reserved
Facebook
Youtube