S.R. Harmon Enterprises
Medicare, Long-term Care & Wealth Transfer.
My name is Sam Harmon, I am a licensed insurance agent. I specialize in Medicare, Long Term Care, and Wealth Transfer. I have created this website in an effort to better serve your needs and hopefully answer some of the questions that many seniors have regarding these issues.
For instance, over the years, Medicare has become increasingly complicated and can be a bit perplexing. However, it is very important to understand your Medicare coverage choices and pick your coverage carefully. How you choose to get your benefits can affect your quality of care substantially. The Medicare section of this site will help familiarize you with the basics of Medicare.
Over the years, Medicare has become increasingly complicated and can be a bit perplexing. However, it is very important to understand your Medicare coverage choices and pick your coverage carefully. How you choose to get your benefits can affect your quality of care substantially.
We offer free consultations to discuss the different options available to you.
To learn about Medicare Basics & Plan’s Coverages we need to first understand Medicare. Medicare is the federal government program that gives you health care coverage (health insurance) if you are 65 or older, or under 65 and have a disability, no matter your income. When you pay taxes on your income, part of the money goes toward Medicare. The centers for Medicare and Medicaid Services (CMS), is the federal agency that oversees Medicare.
Medicare Part A
Medicare Part A covers Medicare inpatient care. This includes care received while in a hospital, a skilled nursing facility, and through home health care.
Most people are automatically eligible for Medicare Part A at age 65 if they have worked at least 10 years or 40 quarters and paid Medicare taxes during that time. You may qualify for Medicare Part A before 65 if you have a disability, end-stage renal disease (ESRD), or amyotrophic lateral sclerosis (ALS) read more…
Medicare Part B
Medicare Part B (medical insurance) is part of Original Medicare and covers services and supplies that are medically necessary to treat your health condition. This can include outpatient care, preventive services, ambulance services, and durable medical equipment. It also covers part-time or intermittent home health and rehabilitative services, such as physical therapy, if they are ordered by a doctor to treat your condition read more…
Medicare Part C
If you qualify for or are already enrolled in Original Medicare, you can choose to enroll in Medicare Part C, more commonly known as Medicare Advantage. Medicare Advantage plans are offered by private health insurance companies and provide Medicare Part A and Part B coverage (hospital and medical benefits). read more…
Medicare Part D
Medicare Part D prescription drug coverage, often referred to as Part D, is available from private insurers to anyone who is also eligible for Original Medicare and permanently resides in the service area of a Medicare Prescription Drug Plan. Different insurers offer different types of plans, so your premium and out-of-pocket expenses for prescription drugs will vary read more…
Wealth Transfer & Long Term Care
Today many seniors are concerned about their children, and their grand children’s future. They wish to transfer a portion of their estate upon their death. Most are unsure of an effective way to do so. At the same time, many seniors are worried about a catastrophic or prolonged illness, and the devastating impact it can have on them financially. The Long-Term Care (LTC), and Wealth Transfer section of this site will help familiarize you with a way to successfully accomplish these goals. We are here to help you reach those goals in the most efficient and cost-effective way using one product.