Hometown Insurance Solutions
Hometown Insurance is an independent insurance agency located in Boardman, Ohio. We offer expertise in Medicare insurance solutions, including Medicare Advantage, Medicare Supplemental Plans, and Medicare Part D plans.
Medicare Advantage Products
A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare. Medicare Advantage Plans provide all of your Part A and Part B benefits. Medicare Advantage Plans include:
If you’re enrolled in a Medicare Advantage Plan:
What are the different types of medicare plans?
There are other less common types of Medicare Advantage Plans that may be available:
You can use the money to pay for your health care services during the year.
How do you join, switch, or drop a Medicare Advantage Plan?
How to Switch
Follow these steps if you’re already in a Medicare Advantage Plan and want to switch:
Unless you have other drug coverage, you should carefully consider Medicare prescription drug coverage (Part D). You may also want to consider a Medicare Supplement Insurance (Medigap) policy. Remember, you may only be able to switch at certain times of the year.
If You Have Other Coverage
Talk to your employer, union, or other benefits administrator about their rules before you join a Medicare Advantage Plan. In some cases, joining a Medicare Advantage Plan might cause you to lose employer or union coverage. If you lose coverage for yourself, you may also lose coverage for your spouse and dependents
In other cases, you may still be able to use your employer or union coverage along with the Medicare Advantage plan you join. Remember, if you drop your employer or union coverage, you may not be able to get it back.
What happens if my plan stops participating in Medicare?
At the end of the year, plans can decide to leave the Medicare Program. In recent years, however, very few plans have left. If this happens, your plan will send you a letter explaining your options.
Generally, you’ll be automatically returned to Original Medicare if you don’t choose to join another Medicare Advantage Plan. You will also have the right to buy a Medigap policy.
No matter what you choose, you’re still in the Medicare Program and will get all Medicare-covered services. If you choose to go back to Original Medicare, you need to decide if you want drug coverage. If so, you need to join a Medicare Prescription Drug Plan (Part D).
How do Medicare Advantage Plans work?
Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare.
Medicare is the federal health insurance program for:
Persons 65 years of age or older
Certain younger people with disabilities
People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)
W. Thomas Klim
Tom grew up in New Middletown, Ohio and is a 1997 graduate of Springfield Local High School. He attended Youngstown State University for two years before transferring to Kent State where he received his bachelor’s degree in finance in 2002. Tom became a licensed insurance agent in 2002. Tom has also completed the state of Ohio requirement for the Long-Term Care Partnership Plan. He offers life, disability, long term care, and medicare to clients.
Among others, Tom works with medical professionals making the transition from residency into full time practice, business owners encountering individual and business decisions and baby boomers dealing with tough retirement decisions.
Tom is currently a member of the New Middletown Lions Club. In his free time Tom enjoys playing golf and following the Boston Red Sox, Cleveland Browns, and Ohio State Buckeyes. Tom also enjoys spending time with his wife Kelsey, son Konnor and their two dogs Rooney and Finn.
Ryan grew up in Canfield and is a graduate of South Range High School and Youngstown State University with a bachelor’s degree in Finance and a minor in Marketing. Ryan became a licensed insurance agent in 2019. Ryan kicked his career off by helping his family members with Medicare related questions and needs. He offers life, disability, long-term care, and Medicare to his clients.
Among others, Ryan works with young professionals who interested in developing a sound risk management plan.
Ryan volunteers as an assistant baseball Coach at South Range High School. He also enjoys traveling, hunting, fishing, and golfing.
Karli brings six years’ worth of social work and healthcare facility administration experience to Hometown Insurance, making her uniquely positioned to serve Hometown Insurance clients in their insurance needs. Karli has earned a Masters Degree in Social Work and a BA in Communications from Youngstown State University. Additionally, Karli has education in healthcare administration and is an LSW (Licensed Social Worker).
Karli enjoys spending her free time with her husband, son, and dog.
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