Sandra Teel 

 Insurance Broker specializing in Medicare

Licensed in California, Arizona, Florida, North Carolina, South Carolina, Tennessee & Texas  #4031244                    Phone: Office: 657-204-4224 / 909-856-9379

As a licensed and trained Medicare insurance agent, I'm certified with many top Medicare Advantage, Prescription Drug and Medicare Supplement plans

“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. which are plans offered by: Aetna, Anthem Blue Cross, Amerigroup, Blue Shield, CarePlus, Cigna, Devoted Health, Freedom Health, Humana, Optimum, Scan, United Healthcare, and WellCare by Healthnet. Please contact or 1-800-MEDICARE to get information on all of your options.” 

What is the Part B Giveback?

  You’re going to be hearing more and more about the new BUZZ word in Medicare, the “Part B Giveback Benefit”.   Some Medicare Insurance Companies are offering it for 2023 plans. Here’s how it works:

  If you are on Medicare and paying your Part B premium SOME Medicare insurance companies are offering to pay some of your Part B premium, usually ranging from $50-$125 per month.  This money is given directly to Social Security to pay down the Part B premium you owe each month. You will continue to pay the remaining amount owed. 

  If your Medicare payment is being taken out of your Social Security check each month, you will see a reduced payment for Part B.  If you are receiving a quarterly Medicare Part B bill, you will see this giveback benefit reflected in your bill.

       We’ve all been bombarded in the last year with celebrity endorsed Medicare ads offering the Part B giveback, however not all insurance companies are currently offering the Giveback Benefit, and for those that are, you need to make sure that your doctors are contracted with those plans before you choose to change. 

     If you have any questions or concerns regarding the Giveback Benefit, or if you are considering changing your current Medicare plan, PLEASE CALL ME FIRST. I am here to make sure you are on a Medicare plan that best fits your needs and gives you all the benefits that are available in your area. 

  Please remember if you receive a phone call from a telemarketing company that says they are from Medicare or Social Security, beware. Unless YOU have called or emailed Medicare or Social Security first, they will not contact you by phone. This may be a SCAM call, or a telemarketing company attempting to get you to change your current Medicare plan.

So many options....

How do I know what is right for me?

Which is right for you?

Take the following steps to help you evaluate your needs and preferences so you can make an informed choice.

A Medicare Advantage Plan might work better for you if…

1)   You prefer getting your care from a defined network of                      providers, usually at a no cost premium

2)   You want all-in-one coverage that offers all the benefits of                Original Medicare and many extras

3)   You don’t mind paying minimum co-pays or co-insurance when        you get care

4)    You want a plan that will cover your prescription drugs


A Medicare Supplemental Plan Might work better for you if

1) You want the freedom to choose any Medicare approved doctor

2) You prefer to add the coverage you want to Original Medicare including a Prescription Drug Plan

3) You have the financial means to afford the monthly premiums

Do you know the answers to these Medicare Myths? 

If not then we need to chat.

#1 Medicare is FREE

#2 Medicare covers ALL medical expenses

#3 You can enroll anytime

#4 A Veteran shouldn't sign up for Medicare Part B or a Medicare              plan

#5 It’s good to keep the same plan from year to year.

#6 Medicare covers you outside the United States? 

There are a lot of choices and decisions to make, and having a knowledgeable Medicare Insurance Agent can help you make the right choice for you.

There are many new no cost plans and changes available and I am able to assist you, your family, friends or neighbors who may need support for their Medicare needs.

Call or email to make a personal NO COST appointment.

657-204-4224 or 909-856-9379       

Part B 2023 IRMAA Chart Part D