Frequently Asked Questions
What is disability insurance?
How much coverage do I qualify for?
Will my premiums go up or will my benefits change over time?
Long Term Care.Q- When is the best time to consider Long Term Care coverage?
Can I receive both home health care and nursing facility care?
Should I consider buying one of the California Partnership plans?
Are there different kinds of Life Insurance ?
How much insurance do I need?
Is Life Insurance very expensive?
What kind of health plans are currently available to me?
What kind of things should I look for in comparing health plans?
Are there any agent fees or charges to apply or see a proposal?
Where can I find the best information for Medicare Supplements and Part D Prescription Drug plans?
The best website out there is: Medicare.gov. Just in Alameda County, there are over 25 different Medicare Supplements and 47 Part D Prescription Drug plans available. You can see both benefits and rates. If you have any questions, please contact me anytime.
If you have any problems or questions, please contact the Medicare staff directly at: 1-800-Medicare (1-800-633-4227).
Do all the Part D Prescription Drug plans offer the same coverage’s ?
Before you select the right Part D plan, you need to look at the benefit overview. There are 47 different plans offered here in Alameda County alone. All plans offer both generic and brand drug coverage, but each one may offer different monthly premiums, copays and limitations. Select the one that best covers your prescriptions for the best cost.
If I need Dental or Vision coverage, do most Medicare Supplements offer these kinds of benefits?
Most Medicare Supplements do not cover any dental, vision or acupuncture coverage. Please review what is and what is not covered with the plan that you select. Although some Medicare Advantage plans may offer some of these types of special benefits, most do not.
There are stand alone dental and vision plans available for Seniors.
We offer a number of products and services to choose from




Contact Us Today
Harry Hartman
CA Lic. No. 0701575
Office: 510-604-6893
Fax: 510 814-0572