S.R. Harmon Enterprises

Licensed Agent
Medicare, Long-term Care & Wealth Transfer.

 

 

Welcome

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. 

Medicare Basics

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.

Testimonials

Our Blue Cross representative, Sam Harmon, helped get my husband and I signed up for the Florida Blue HMO. We appreciated his helpfulness, and the time he took to explain the plan to us. Wally and Janet W.

Sam Harmon helped me with my Medicare Plan. He explained the different programs, and I chose the Advantage Plan as I felt it best suited me. He answered my questions in a very professional manner. I have recommended him to one of my friends. Carol D.

Sam Harmon has been my agent for my Blue Cross Medicare Advantage Plan. From the very outset, he has been so easy to work with, answering my many questions with clarity and accuracy. One time when a friend quoted some misinformation on the policy, I then checked it out with Sam. He promptly contacted the Blue Cross people at the top and accurately corrected the errant information from my friend. I have complete confidence in his knowledge and ability and look forward to working with him in the future. As my wife and several of my associates turn sixty-five, I will be referring them to Sam. Willam R.

Shortly before my husband turned 65 we became flooded with mail about Medicare and Medicare options. The more that we looked into it, the more confusing it became. We knew that we needed to get professional advice from someone, but we did not want to just randomly pick a name from the phone book or bulk mail outs. I prayed about it and then found out that Sam Harmon, a trusted member of our church, specialized in Medicare. Sam saved us a lot of money over some of the other options that we had been exploring. We selected a plan, and Sam took care of all of the paperwork, and the entire process went very smoothly. We have been very happy with the plan that we selected. Finding Sam was an answer to prayer for us, and we are very thankful for the help that he has given us. Connie H.

Contact Us

Medicare

Serving the entire state of Florida

SPWL Policies

Serving the entire state of Florida

Contact Information

Phone: (239) 822-0185