mparrella & Associates LLC
mparrella & Associates LLC
Are you new to Medicare, or looking for basic information about your Medicare coverage options? Get started with Marty Parrella.
About Us
Founded in 2010, MParrella & Associates LLC was created to help the St Louis and St Charles Region residents with their life, accident and health (Medicare) Insurance needs.
Our Services
MEDICARE ADVANTAGE
Medicare Advantage Plans are another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D).
DRUG PLANS
Medicare drug coverage helps pay for prescription drugs you need. It’s optional and offered to everyone with Medicare. Even if you don’t take prescription drugs now, consider getting Medicare drug coverage.
DENTAL PLANS
Dental insurance is a form of health insurance designed to pay a portion of the costs associated with dental care. There are several different types of individual, family, or group dental insurance plans grouped into three categories: Indemnity, Preferred Provider Network (PPO), and Dental Health Managed Organizations (DHMO).
MEDICARE SUPPLEMENT
Medicare Supplement plans are supplemental insurance policies that cover healthcare costs Original Medicare (Part A and Part B) leave behind. Providers bill Medicare first and charge the remaining amount to the Medicare Supplement carrier.
CANCER PLANS
Five Benefits of Cancer Insurance
Cancer insurance provides cash you can spend any way you choose for medical or non-medical expenses.
- Coverage can’t be canceled due to age or health
- Freedom to choose you doctor or hospital
- Cash paid directly to you
- Same premium rate no matter your age
- Affordable rates - Get a Quote now!
LIFE INSURANCE
A life insurance contract is simply, in exchange for your premium payments, the insurance company will pay a lump sum known as a death benefit to your beneficiaries after your death. Your beneficiaries can use the money for whatever purpose you choose.
Reviews
Martin is an amazing agent.
Jim & Joan
I wouldn’t go anywhere else.
Margot
Best service!
Dominic & Paula
Frequently Asked Questions
What do I do about Medicare if I work past age 65?
If you plan to work past 65, you may be able to delay enrolling in Medicare. Or, you may have to enroll during your Initial Enrollment Period in Parts A, B and D if you want to avoid late penalties. It will depend on your employer and if your employer coverage is creditable.
Some people who can delay Medicare still choose to enroll in just Part A when they turn 65 in addition to their employer coverage. Part A is premium free if you or your spouse worked and paid Medicare taxes for at least 10 years. Note though, if you do get Part A, you can no longer contribute to your HSA.
How do I know what Medicare coverage is right for me?
The answer to this may be easy to say but maybe not as easy to do. You need to understand your personal health care needs and choose Medicare coverage to help meet them. For example, if you take prescription drugs right now, when you get Medicare, you need to make sure you get Part D prescription drug coverage through either a stand-alone Part D plan or a Medicare Advantage plan.
How much does Medicare cost?
You will likely pay the Part B premium to Medicare. Beyond that, you may pay other premiums, deductibles, co-pays and co-insurance. The total amount you pay will depend on the type of Medicare plan(s) you choose and the health care services you use during the year.
Is Medicare mandatory?
No part of Medicare is mandatory, but if you choose to enroll in any part of Medicare after your Initial Enrollment Period, you could face financial penalties unless you qualify for a Special Enrollment Period with creditable employer coverage.
Get signed up today!
Contact Marty!
Phone
(636) 362-6696
maparrella@gmail.com
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