Serving Illinois and Missouri
About Us
Lori Reams-Barciszewski Licensed Independent Broker
With over 20 years of experience in healthcare, I have had the opportunity to work closely with patients, families, and providers. I have seen firsthand how confusing Medicare can be, and that experience led me to this role where my focus is helping individuals better understand how Medicare works and what types of coverage may be available.
Whether you are turning 65, planning for retirement, or simply looking to learn more about Medicare, I provide personalized, no-cost educational guidance to help you feel informed and supported. I am happy to be a resource for you or someone you care about.
Our Services
Senior Medicare Support
Senior Medicare Support
Senior Medicare Support
We help individuals who are new to Medicare, already enrolled, or considering a change in coverage. Whether you’re turning 65, retiring, or reviewing your current plan, we provide clear guidance so you can make confident Medicare decisions.
Medicare Choices
Senior Medicare Support
Senior Medicare Support
An independent broker is not tied to one insurance company. We help compare Medicare options from multiple carriers so you can choose coverage that fits your needs.
Coverage Options
Senior Medicare Support
Coverage Options
Medicare Supplement
Medicare Advantage
Part D Prescription Drug Plans
Hospital Indemnity
Medicare Basics
Medicare Basics
Medicare is the U.S. federal health insurance program covering hospital stays, doctor visits, and prescription drugs through different "Parts,".
Medicare offers two primary coverage paths:
Option 1
Original Medicare (Parts A & B)
which can be paired with a Medicare Supplement / Medigap and Part D plan
Option 2
Medicare Advantage
(Part C) is an all-in-one option through private insurance companies that replaces Original Medicare and typically includes prescription drug coverage and extra benefits.
Open Enrollment
- Initial Enrollment Period (IEP) – First time enrolling
- Annual Enrollment Period (AEP) – October 15 thru December 7
- Medicare Advantage Open Enrollment Period (MA OEP) – January 1 thru March 31
- General Enrollment Period (GEP) – January 1 thru March 31
- Special Enrollment Periods (SEP) – Varies, ongoing for qualifying events
Eligibility
- Age: Generally 65 or older.
- Disability: Younger individuals with long-term disabilities.
- Specific Conditions: People with ESRD (permanent kidney failure) or ALS (Lou Gehrig's disease) at any age.
Medicare Parts
Part A Coverage
Supplement / Medigap
Part A Coverage
Medicare Part A helps cover your inpatient care in hospitals, critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. You must meet certain conditions to get these benefits. Most people don't have to pay a monthly payment, called a premium, for Part A. This is because they or a spouse paid Medicare taxes while they were working. If you (or your spouse) didn't pay Medicare taxes while you worked and you are age 65 or older, you may be able to buy Part A.
Part B Coverage
Supplement / Medigap
Part A Coverage
Medicare Part B helps cover medical services like doctors' services, outpatient care, and other medical services that Part A doesn't cover. Part B is optional. Part B helps pay for covered medical services and items when they are medically necessary. Part B also covers some preventive services like exams, lab tests, and screening shots to help prevent, find, or manage a medical problem. Most people pay a monthly premium for Part B. The exact premium depends on your income level.
Supplement / Medigap
Supplement / Medigap
Supplement / Medigap
Medigap plans work with Original Medicare to help cover out-of-pocket costs like deductibles, coinsurance, and copayments. You keep your Original Medicare card and can see any doctor who accepts Medicare. Medigap does not include prescription drug coverage (Part D).
Part C Benefits
Supplement / Medigap
Medicare Advantage plans combine your Medicare Part A and B coverage and often include extra benefits like prescription drugs, vision, or dental. Coverage is usually provided through a network of doctors, and most plans include Part D for medications.
Part D Coverage
Part D plans help cover prescription medications. They can be purchased separately or are often included with Medicare Advantage plans. Coverage varies by plan and pharmacy.
