*HEALTH INSURANCE FOR SENIORS AND YOUNGER PEOPLE ON DISABILITY

*ADDRESSES MEDICAL NEEDS AND PREVENTATIVE MEASURES

*PLANS: MEDICARE SUPPLEMENT (MEDIGAP/PPO) AND/OR MEDICARE ADVANTAGE (HMO/PPO)

*NETWORKS/DOCTORS: MEDICARE ADVANTAGE REQUIRES SPECIFIC LOCAL PROVIDER NETWORKS AND SPECIALIST REFERRALS

MEDICARE SUPPLEMENT ALLOWS VISITATION TO ANY DOCTOR/HOSPITAL ACCEPTING MEDICARE AND NO REFERRALS REQUIRED

*OPTIONAL BENEFITS: PRESCRIPTION, DENTAL, VISION, & HEARING. MEDICARE SUPPLEMENT & MEDICARE ADVANTAGE PLANS MAY INCLUDE SOME BENEFITS

*HEALTH INSURANCE FOR INDIVIDUALS AND FAMILIES

*ADDRESSES MEDICAL NEEDS AND PREVENTATIVE MEASURES

*PLANS: OFF EXCHANGE VS COVERED CA MARKETPLACE

* PPO VS HMO VS EPOS

* OPTIONAL BENEFITS: PRESCRIPTION, DENTAL, VISION, HEARING,

* CHOOSE THE MEDICARE AND/OR HEALTH PLAN THAT IS DESIGNED TO BENEFIT AND SUPPORT YOUR NEEDS.

* CALIFORNIA RESIDENTS MUST HAVE QUALIFYING HEALTH INSURANCE COVERAGE OR PAY A PENALTY WHEN FILING THEIR STATE TAX RETURN

* COVERED CA MARKETPLACE PROVIDES STATE AND FEDERAL SUBSIDIES BASED ON INCOME TO LOWER MONTHLY COSTS.

* OFF EXCHANGE MEMBERS ARE INELIGIBLE FOR PREMIUM SUBSIDIES AND COST SHARING REDUCTIONS.

* OFF EXCHANGE AND COVERED CA MAY BE PURCHASED DIRECTLY THROUGH A BROKER, HEALTH INSURANCE COMPANY AND/OR MARKETPLACE.

TRACY BRENNAN, PH.D.

INSURANCE AGENT/BROKER

P.O. BOX 4383

LAGUNA BEACH, CA 92652

949-315-1877 (Business)

949-497-6277 (Fax)

tbintegrityservices@cox.net

CA License #0G85164