Trinity Clancy Senior Health Insurance Broker

Trinity Clancy Senior Health Insurance Broker I teach people how Medicare works and help them choose the right Medicare plan.

7 Ways a Medicare Broker Can Help You Transition to Medicare1. Explaining Your Options Without the Overwhelm Medicare co...
03/18/2026

7 Ways a Medicare Broker Can Help You Transition to Medicare

1. Explaining Your Options Without the Overwhelm Medicare comes with a lot of moving parts — Parts A, B, C, D, Supplements, IRMAA, enrollment windows — and most people have never had to think about any of it before. A good broker sits down with you and explains everything in plain language, at your pace, with no jargon and no pressure. By the time you leave that first conversation, you should feel informed, not more confused.

2. Making Sure You Enroll at the Right Time Missing your Medicare enrollment window can result in lifetime penalties on your Part B premium and gaps in coverage that are very hard to undo. A broker knows the rules cold — including the special rules for people still on employer coverage — and will make sure you enroll at exactly the right time for your situation.

3. Helping You Choose Between Original Medicare and Medicare Advantage This is the most important decision you'll make, and it's not one-size-fits-all. A broker takes the time to understand your health needs, your doctors, your prescriptions, and your budget — and then walks you through both options honestly, including the trade-offs, so you can make the decision that's right for you.

4. Shopping and Comparing Plans So You Don't Have To An independent broker works with multiple insurance companies, which means they can compare dozens of plans side by side on your behalf. They know which carriers have the strongest networks, the best customer service, and the most competitive pricing in your area — so you get the best plan available, not just the one that happened to call you.

5. Coordinating the Details of Your Enrollment Transitioning to Medicare involves more than just picking a plan. There's paperwork, timing, making sure your current coverage ends properly so there's no gap or overlap, verifying that your doctors and medications are covered, and ensuring your Part B premium is set up correctly. A broker guides you through every step so nothing falls through the cracks.

6. Being There When Problems Come Up Claims get denied. Bills arrive that don't look right. A doctor's office says they don't accept your plan. These things happen, and when they do, having a broker in your corner makes all the difference. A good broker advocates for you, helps you understand your rights, and works to get issues resolved — often saving clients significant time, stress, and money.

7. Reviewing Your Coverage Every Year Medicare plans change annually — premiums go up, drug formularies shift, networks change, and new plans enter the market. A broker reaches out before Open Enrollment every year to review your current plan and make sure it still makes sense for you. If something better is available, they'll tell you. If you're in the right plan, they'll confirm that too. You're never left on your own to figure it out.

🏥I am a licensed Medicare Broker and would be delighted to help you with the ins and outs of Medicare.



🏥 Hospital Stays & Medicare — How Coverage WorksMedicare does cover hospital stays, but how much you pay depends on the ...
03/11/2026

🏥 Hospital Stays & Medicare — How Coverage Works
Medicare does cover hospital stays, but how much you pay depends on the type of coverage you have. With Original Medicare and a Medicare Supplement (like Plan G), you can go to almost any hospital nationwide that accepts Medicare. After Medicare pays its share, Plan G typically covers the remaining hospital costs, so there is no daily copay or coinsurance for the stay.�With a Medicare Advantage plan, you’ll usually need to use a hospital in the plan’s network, and hospital stays often include a daily copay — commonly around $300–$400 per day for the first 5 or 6 days, after which the plan generally covers the rest of the stay. Different plans, different cost structures — but hospital care is covered.
As a Medicare Broker, I can help you select a Plan that works for you!



👓 Vision Coverage & Medicare — What to KnowOriginal Medicare — and Medicare Supplements — generally do not cover routine...
03/04/2026

👓 Vision Coverage & Medicare — What to Know
Original Medicare — and Medicare Supplements — generally do not cover routine vision care, like eye exams for glasses or contacts. To have routine vision coverage with Medicare + a supplement, you’d need to purchase a separate vision plan. Many Medicare Advantage plans in Denver, however, include routine vision benefits at no additional cost, often covering eye exams and allowances for glasses or contacts. Different coverage paths — the key is knowing what’s included and I am happy to be your guide 🧭



🏥Today I had the opportunity to tour ArchWell Health and learn more about how they provide primary care services specifi...
02/24/2026

🏥Today I had the opportunity to tour ArchWell Health and learn more about how they provide primary care services specifically designed for seniors on Medicare Advantage plans — including UnitedHealthcare, Humana, Aetna, and Devoted Health.
I have to say, I was impressed. Their focus on longer appointments, personalized care, and serving the Medicare population really stood out to me.
If you’re enrolled in one of these plans and looking for a new primary care provider, ArchWell Health may be worth checking out.
As always, I’m happy to help you review your options and make sure your doctors and plan are working well together.



🚑 Medicare Advantage & Emergencies — You’re Covered Anywhere🏥 With a Medicare Advantage plan, emergency care is always c...
02/18/2026

🚑 Medicare Advantage & Emergencies — You’re Covered Anywhere

🏥 With a Medicare Advantage plan, emergency care is always covered as in-network, no matter where you are in the United States. If you have a true emergency, you can go to any emergency room, even if you’re outside your plan’s service area.�Urgent care centers and other providers, however, are not always in-network when you travel, so costs may vary. The key takeaway: emergencies are covered as in-network — peace of mind wherever you are.




👁️ Cataract Surgery & Medicare — What to ExpectCataract surgery is covered by Medicare, but out-of-pocket costs depend o...
02/11/2026

👁️ Cataract Surgery & Medicare — What to Expect
Cataract surgery is covered by Medicare, but out-of-pocket costs depend on your coverage. With Original Medicare and a Medicare Supplement (like Plan G), Medicare pays its share and the supplement typically covers the rest — meaning little to no out-of-pocket cost for standard cataract surgery and the basic lens.�With a Medicare Advantage plan, cataract surgery is also covered, but you’ll usually need to use in-network providers, and you may have copay ($300 to $400) for the surgery and generally a new pair of glasses is included. Costs vary by plan, so it’s important to understand what applies before scheduling the procedure.
If you have questions about cataract surgery and Medicare, I'm happy to help. ☎️




🎗️ Cancer Treatment & Medicare — Why Coverage MattersCancer can be one of the most expensive conditions under Medicare. ...
02/04/2026

🎗️ Cancer Treatment & Medicare — Why Coverage Matters
Cancer can be one of the most expensive conditions under Medicare. With a Medicare Advantage plan, you may pay 20% of the cost of treatments like chemotherapy until you reach the plan’s annual out-of-pocket maximum — which can add up quickly. For those on Medicare Advantage, I often recommend a cancer indemnity plan. These plans are typically very affordable and pay cash benefits that can help offset treatment costs and ease financial stress during an already challenging time.
With Original Medicare and a Medicare Supplement like Plan G, your costs are usually limited to the annual Part B outpatient deductible (generally under $300).
📞 Please reach out of you have questions.




🤍 Hospice Care & Medicare — Covered When It Matters MostHospice care is covered by Medicare, even if you’re enrolled in ...
01/28/2026

🤍 Hospice Care & Medicare — Covered When It Matters Most
Hospice care is covered by Medicare, even if you’re enrolled in a Medicare Advantage plan. When hospice is elected, care is provided through Original Medicare and focuses on comfort, dignity, and quality of life rather than curative treatment. Medicare covers hospice services, medications related to the terminal diagnosis, medical equipment, nursing care, and emotional support — often with little to no out-of-pocket cost. Coverage is there to support both patients and their families during a difficult time.




🏠 Urgent Care at Home — DispatchHealth in DenverIn the Denver metro area, DispatchHealth brings urgent care services rig...
01/21/2026

🏠 Urgent Care at Home — DispatchHealth in Denver

In the Denver metro area, DispatchHealth brings urgent care services right to your home. They treat many non-life-threatening issues that would otherwise send you to urgent care or the ER — things like infections, dehydration, minor injuries, breathing issues, and more. DispatchHealth works with Medicare Advantage and Original Medicare, helping many patients get timely care without leaving home.

Let me know if you have questions about this mobile service. 🚙




01/14/2026

⚕️I am licensed with 10 Insurance Companies to help you with Medicare. Here's some feedback from one of my clients about Devoted PPO.

🗣️ "My husband and I have been on the Devoted PPO plan for the past two years and we have been extremely happy.
Great customer service. Every time we submitted something from reimbursement, they were very prompt.
Very good follow-up on the phone from nurses. They're very, very helpful."

📱Please reach out if you have questions about Medicare Plans.




01/06/2026

🎉As we start off the New Year, in this Medicare Minute, I explain IRMAA-which stands for Income-Related Monthly Adjustment Amount, and how it affects your Part B premiums. For 2025, most people paid $185, but if your income is higher—like $300,000 for a married couple filing jointly—you might have paid $370 each. It's important to know your Adjusted Gross Income from 2024, as that determines your premium for 2026. If your income decreases after retirement, you may need to appeal your IRMA charge, and I'm here to help with that process. If you have any questions about your Part B costs or the appeal process, please reach out to me.




12/30/2025

🚑 No one wants to make a hospital trip during the holidays, but stuff happens!
If you have original Medicare, you'll face a deductible of $1,676 for 2025 when admitted to the hospital. However, if you have a Medicare supplement like Plan G or N, those costs are typically covered, aside from your monthly premium. Medicare Advantage plans, which have daily co-pays ranging from $200 to $350 for the first few days of hospitalization.

Here’s to a Happy and Healthy New Year🎉




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