7 Rivers Senior Advisors

7 Rivers Senior Advisors With twenty years of experience in the insurance industry, Debbie Lee is a seasoned professional committed to serving the needs of her clients.

As a Senior Insurance Advisor, she brings a wealth of knowledge and expertise to make informed decisions.

Original Medicare with a Medigap plan gives you very comprehensive coverage. The primary differences are that with Medig...
11/06/2025

Original Medicare with a Medigap plan gives you very comprehensive coverage. The primary differences are that with Medigap plans, you can see any doctor that accepts Medicare. You don’t have to ask your doctors if they take your specific Medigap insurance company. The network is Medicare, which has over 1 million contracted providers across the nation.

Fast Fact: Medicare Advantage plans were created under the Balanced Budget Act of 1997 and signed into law by President ...
11/05/2025

Fast Fact: Medicare Advantage plans were created under the Balanced Budget Act of 1997 and signed into law by President Bill Clinton. These plans are commonly called Part C of Medicare . Some doctor’s offices call them replacement plans, more on that below.

Feeling overwhelmed about the Medicare Annual Enrollment Period? Contact us today to review your situation.
11/04/2025

Feeling overwhelmed about the Medicare Annual Enrollment Period? Contact us today to review your situation.

Reminder: Medicare isn’t mandatory, but delaying enrollment may come with penalty fees. Therefore, it is wise to explore...
11/03/2025

Reminder: Medicare isn’t mandatory, but delaying enrollment may come with penalty fees. Therefore, it is wise to explore all your options before postponing coverage.

“The best and most beautiful things in the world cannot be seen or even touched - they must be felt with the heart.”
10/31/2025

“The best and most beautiful things in the world cannot be seen or even touched - they must be felt with the heart.”

Medicare Part C is a type of Medicare health plan offered by a private company that contracts with Medicare. Medicare Ad...
10/30/2025

Medicare Part C is a type of Medicare health plan offered by a private company that contracts with Medicare. Medicare Advantage Plans provide all of your Part A and Part B benefits, with a few exclusions, for example, certain aspects of clinical trials which are covered by Original Medicare even though you’re still in the plan.

The Income Related Monthly Adjustment Amount (IRMAA) is an additional monthly charge that people with certain high-incom...
10/29/2025

The Income Related Monthly Adjustment Amount (IRMAA) is an additional monthly charge that people with certain high-income levels must pay on top of their Medicare Part B and D premiums.

Prior Authorization is the approval that you must get from a Medicare drug plan before you fill your prescription in ord...
10/28/2025

Prior Authorization is the approval that you must get from a Medicare drug plan before you fill your prescription in order for the prescription to be covered by your plan. Your Medicare drug plan may require prior authorization for certain drugs.

A “Limiting Charge” is in Original Medicare, the highest amount of money you can be charged for a covered service by doc...
10/27/2025

A “Limiting Charge” is in Original Medicare, the highest amount of money you can be charged for a covered service by doctors and other health care suppliers who don't accept assignment. The limiting charge is 15% over Medicare's approved amount. The limiting charge only applies to certain services and doesn't apply to supplies or equipment.

“Don’t be afraid to give up the good to go for the great.”
10/24/2025

“Don’t be afraid to give up the good to go for the great.”

Medicare Part B premiums are set each year by the federal government and most people pay the same standard rate. Some hi...
10/23/2025

Medicare Part B premiums are set each year by the federal government and most people pay the same standard rate. Some high earners (fewer than 5%) pay an income-related adjustment in addition to the standard Part B premium.

Quick Tip: If you forget your Medicare card, you, your doctor or other health care provider may be able to look up your ...
10/22/2025

Quick Tip: If you forget your Medicare card, you, your doctor or other health care provider may be able to look up your Medicare Number online.

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3167 Berlin Drive
La Crosse, WI
54601

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+6083175023

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