Patricia Saint Louis, RN

Insurance Broker
Medicare Specialist

About Us

Hello and Welcome to Life and Med! Patricia Saint Louis is a Insurance Broker, Registered Nurse, and mom. She has work in the Medical field for over 15 years and specialize in Medicare Case Management for 8 years at a Skilled Nursing Facility. She now takes her passion and love for helping people into the Insurance space. As a Insurance broker she believes in putting her clients needs first. "My job is simple, I help my clients find the best Insurance program that fits their budget and health. I work with over 25 companies so I do the shopping for them." Services offered such as Final Expense (Burial cost), Mortgage Protection, Medicare Insurance, Regular Life Insurance, & Safe Retirement Planning. Why choose Patricia as your agent? The answer is simple, she's their from start to finish. "I offer my clients year round customer care such as helping my clients understand how Medicare works, how to do your own Will for free, help with policy questions, etc." "I'm your Insurance Broker with a nurses touch". Please feel free to look up her Nursing License number RN9296944 & Insurance License number W646976. We look forward to serving you and your family! Please fill out the quick quote form for any of the services we provide. Currently servicing the state of Florida. Below you will see some of the insurance companies that we partner with to help serve you!

How Much Does It Cost?
Our service is 100% FREE!
We shop over 25 insurance companies to help you find the best insurance program at a affordable price.

Why Use an Independent Insurance Broker?

We service our clients:

  • We shop the Insurance plans for you, and provide you with competitive premium quotes.

  • We do annual Policy Review and Rate Check to assure you're always on the best policy for your needs with the lowest premium.

  • We ease the burden on your time by doing the “legwork” for you, making it a simple process.

  • Assist with the renewal process and keep you updated on any government changes that can affect your insurance plan.

Medicare


Medicare Advantage

What is a Medicare Advantage Plan?
Health Insurance for seniors 65 and older and those disabled for at least 2 years. You can get your health benefits through Original Medicare, or a Medicare Advantage Plan (usually an HMO or PPO). Medicare Advantage Plans, also known as “Part C” or “MA Plans,” are offered by private companies such as Humana, Cigna, United Health Care, etc. Medicare pays these companies to cover your Medicare benefits.
If you join a Medicare Advantage Plan, the plan will provide all of your Medicare Part A (covers Hospital care, Skilled Nursing Facility, Hospice, Lab test, and Surgery) and Medicare Part B (covers Medical Services, Outpatient care, preventive services, ambulance services, and durable medical equipment) coverage.

There are the different types of Medicare Advantage Plans:

• Health Maintenance Organization plans—(HMO), most HMOs you can only go to doctors, other health care providers, or hospitals in the plan’s network, except in an urgent or emergency situation. You may also need to get a referral from your primary care doctor for tests or to see other doctors or specialists.

• Preferred Provider Organization plans—(PPO), you pay less if you
use doctors, hospitals, and other health care providers that belong to the plan’s network. You usually pay more if you use doctors, hospitals, and providers outside of the network.

• Private Fee-for-Service plans—(PFFS) plans are similar to Original Medicare in that you can generally go to any doctor, other health care provider, or hospital as long as they accept the plan’s payment terms. The plan determines how much it will pay doctors, other health care providers, and hospitals, and how much you must pay when you get care.

• Special Needs Plans (SNPs)—SNPs provide focused and specialized health care for specific groups of people, like those who have both Medicare and Medicaid, live in a nursing home, or have certain chronic medical conditions.

• HMO Point-of-Service (HMOPOS) plans—These are HMO plans that may allow you to get some services out-of-network for a higher copayment or coinsurance.


You must have Medicare Parts A and B and live in the plan’s service area to be eligible to join in a Medicare Advantage plan.

Cost?
In addition to your Part B premium, you usually pay one monthly premium for the services included in a Medicare Advantage Plan. Each Medicare Advantage Plan has different premiums and costs for services, so it’s important to compare plans in your area and understand plan costs and the benefits to meet your health needs.

What do Medicare Advantage Plans cover?
Medicare Advantage Plans must cover all of the services that Original Medicare covers except hospice care. Original Medicare covers hospice care even if you’re in a Medicare Advantage Plan. In all types of Medicare Advantage Plans, you’re always covered for emergency and urgent care. Medicare Advantage Plans must offer emergency coverage outside of the plan’s service area (but not cover outside the U.S.). Many Medicare Advantage Plans also offer extra benefits such as dental care, eyeglasses, or fitness programs.
Most Medicare Advantage Plans include Medicare prescription drug coverage

(Part D, In addition to your Part B premium, you usually pay one monthly premium for the plan’s medical and prescription drug coverage.
Plan benefits can change from year to year. A license Insurance broker can help you understand how a plan works before you join.

Medicare Supplement

Original Medicare pays for 80% of health care services and supplies.
A Medical Supplement also known as Medigap, is private insurance that helps supplement Original Medicare.
This means it helps pay some of the health care costs that Original Medicare doesn’t cover such as copayments, coinsurance, and deductible). These are “gaps” in Medicare coverage. If you have Original Medicare and a Medigap policy, Medicare will pay
its share of the Medicare-approved amounts for covered health care costs.
Then your Medigap policy pays its share. A Medigap policy is different from a Medicare Advantage Plan (like an HMO or PPO) because those plans are ways to get Medicare benefits, while a Medigap policy only supplements the costs of your Original Medicare benefits. Medicare doesn’t pay any of your costs for a Medigap policy.
All Medigap policies must follow Federal and state laws designed to protect you, and policies must be clearly identified as “Medicare Supplement Insurance.” Medigap insurance companies in most states can only sell you a “standardized” Medigap policy. Each standardized Medigap policy must offer the same basic benefits, no matter which insurance company sells it. All plans offer the same basic benefits but some offer additional benefits. You can choose which plan meets your health needs.
In most states, standardized policies, or plans, are identified by the letters such as A, B, C, D, F, G, K, L, M, and N, and each type of plan generally contains the same benefits in all states.

Who can buy a Medigap policy?
Generally, you must have Medicare Parts A and B to be able to buy a Medigap policy. The best time to buy a Medigap policy is on the first day of the month in which you’re 65 or older and enrolled in Part B. This time period, called your Medigap Open Enrollment Period which ends 6 months later. During this period, an insurance company can’t refuse to sell you a policy or charge you more because of your health. If you’re under 65, you won’t have this Open Enrollment Period until you turn 65, but state law might give you a right to buy a policy before then.

Cost?
You pay a monthly premium to a private health insurance company.

A Medigap policy can be used in any U.S. state or territory, so you don’t need to buy a new one if you move.

Medigap policies don’t offer prescription drug coverage. If you want prescription drug coverage, you must get a stand-alone Medicare Prescription Drug Plan that works with Original Medicare, or join a Medicare Advantage Plan that offers drug coverage.

Life Insurance


Life Insurance age 0-50

When you’re starting a family, it’s important to have financial security and peace of mind, and life insurance can do just that for a growing family.
Young families are busy with major life events such as managing a home, raising a young children, and working on their careers. Insurance might not be at the top of the list, but it’s certainly one of the most important things to have.

Life insurance is designed to provide financial stability in an event something happen to you or your spouse.
Let's say the husband works and makes $66,000 per year, and the wife is a stay at home mom, what happens to the wife and children if the husband passes away unexpectedly? Will the wife be able to pick up the pieces, will she be financially ok? All of these things need to be planned for such as what happens with the bills, the family home, child care, etc. and unless you have an extremely large emergency fund, it's going to be a bumpy ride.
Here are several reasons why Life Insurance is so important while raising a young family:
This is usually your asset accumulation phase in life, and an unexpected death can really damage this phase.
Debts are highest (mortgage, car payments student loans, etc.) and the bills don't stop.
Children are so expensive, the cost of education continues to get more and more expensive.
Life Insurance is also cheaper to get when you’re young, because you are healthier and expected to live longer.

Life Insurance for Seniors

Life insurance plays a different role in every stage of life. Younger adults who purchase life insurance typically have children to financially support. When it comes to seniors Life Insurance has a different meaning which can include covering funeral expenses, equity protection if the home isn't paid off, they that don't want to leave their love ones responsible for their final expenses, etc. An average funeral can cost $8,000 to $15,000; life insurance is a good way to ensure that this financial burden doesn’t fall on their loved ones.
Life insurance gets more expensive as you age, as for Seniors life insurance might cost less than you think. Since there are fewer term life insurance options for older adults, most policies for seniors fall into the permanent life insurance category. These policies never expire as long as premiums are paid.
We looked at policies from 25 different insurers and compared key areas including price, customer service, and benefits to choose the best program for our clients. In the end, we chose insurance companies that provide excellent coverage to seniors.

Health and age pays a huge role in cost and coverage, contact us today to see what you qualify for.

Mortgage Protection

As a homeowner, being able to pay your mortgage on time every month is important. What about paying your mortgage in the event of death? Don't lose your family's home and most valuable asset due to not planning. What would happen to your loved ones if you become disabled, critically ill, or died prematurely and your income was now gone?

Mortgage protection insurance offers peace in mind knowing that the family home wont have to go back to the banks, it functions much like other life insurance policies: You pay premiums to the insurance company to purchase a specific amount of mortgage protection coverage. Those premiums are based on your age, health, and the home balance amount. If you die while the policy is in force, the insurance company provides funds to pay off your mortgage. Some insurance companies has a cash back offer, that's right you get all your money back at the end of the term if you don't die. With all your premiums return to you, you can then pay off the balance of your home or do what ever you want with the money. We can help you find the right company for your family!

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Currently serving clients in the state of Florida, come back for future states!

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Email us at helpmeagentpatricia@gmail.com