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We love our customers, so feel free to visit during normal business hours.
SWINDELL AGENCY
Office: (732) 231-2880 Toll Free: (800) 314-2119 Fax: (732) 960-5207 Email: info@vmlvisionsagency.com
Our Office Hours
Open today | 09:00 am – 05:00 pm |
Our Medicare Division
Our certified Medicare consultants provide expert Medicare enrollment, selection guidance and support to seniors:
- Transitioning onto Medicare for the first time
- Business owner with a diverse population of staff that includes 65 and older employees
Who Pays First Employer Benefits or Medicare?
- If the employer has fewer than 20 employees and is not part of a multi-employer group then Medicare pays first, and the group health plan pays second.
- When you have VA benefits but get services from a civilian provider.
- If you have TRICARE, retired or inactive duty.
- Most times Medicare will be primary and COBRA will be secondary. The exception is if your employer group coverage has special rules that determine the primary payer.
We Help to You Better Understand Your Benefit Options
We clearly explain Medicare A, B, C, D, Original Medicare and Medicare Advantages options so that you can spend less time figuring it out and more time living your life.
We work with individuals. We work with employers with a diverse population in staff.
We will:
- Assist with general Medicare questions
- Analyze coverage cost
- Help with unbiased benefit recommendations
- Help to select a plan that
- Meets individual needs
- Budget
- Covers out-of-pocket cost
