Who Is David Stern?
With over 20 years of experience in the insurance industry, I am dedicated to helping individuals navigate the complexities of Medicare. I specialize in Medicare supplements, Medicare Advantage plans, and prescription drug plans, offering personalized and comprehensive assistance to meet each client's unique needs. My extensive knowledge and expertise ensure that clients receive the best possible coverage and support, tailored to their specific health and financial situations.
Learn more About Your Medicare Options Today!
Start a safer life using insurance and getting all of the benefits you are entitled to.
Who Is David Stern?
With over 20 years of experience in the insurance industry, I am dedicated to helping individuals navigate the complexities of Medicare. I specialize in Medicare supplements, Medicare Advantage plans, and prescription drug plans, offering personalized and comprehensive assistance to meet each client's unique needs. My extensive knowledge and expertise ensure that clients receive the best possible coverage and support, tailored to their specific health and financial situations.
Learn more About Your Medicare Options Today
Start a safer life using insurance and getting all of the benefits you are entitled to.
What we provide
Valuable assistance to the community and particularly to
the clients we serve.
Medicare Planning
Prescription Drug Plans
VA Benefits
What we provide
Valuable assistance to the community and particularly to
the clients we serve.
Medicare Planning
Prescription Drug Plans
VA Benefits
what benefits we provide
"My commitment is to provide extraordinary services by focusing primary on the client, understanding their needs, and providing support." - David Stern
Medicare Planning
We can help you consider the benefits and drawbacks of both Medicare Advantage and Supplement Plans . We will offer you honest and reliable guidance .
Prescription Drug Plans
Adding a stand-alone prescription drug plan (PDP)—also called Medicare Part D—can help you pay for your prescriptions and may protect you from high drug costs.
VA Benefits
VA benefits are administered by the federal government and include pensions, educational stipends, and health care, among other benefits.
what benefits we provide
Medicare Planning
We can help you consider the benefits and drawbacks of different plans. We will offer you honest and reliable guidance .
Employer Group Medicare Solutions
Adding a stand-alone prescription drug plan (PDP)—also called Medicare Part D—can help you pay for your prescriptions and may protect you from high drug costs.
VA Benefits
VA benefits are administered by the federal government and include pensions, educational stipends, and health care, among other benefits.
David Stern Medicare Services is an independent insurance agency focused on the needs of Medicare beneficiaries. We have an array of plan offerings through multiple insurance carriers and help match you with the best plan in your area.
Frequently asked questions
What is Original Medicare?
The term “Original Medicare” refers to Medicare Part A and Part B. Part A helps cover the cost of hospital-related care, including inpatient services, lab tests and surgery. Part B is the medical insurance component of Medicare, which helps cover doctor visits, outpatient care and certain preventive services. The federal government administers both Part A and Part B.
What is a Medicare Advantage plan?
Medicare Advantage plans are offered by private insurance companies—like Humana, Aetna, United Health Care—contracted by the federal government. Medicare Advantage, also referred to as Medicare Part C, covers the same healthcare services as Original Medicare, except for hospice care. Many Medicare Advantage plans also include prescription drug coverage.
How much does Medicare cost?
Medicare costs consist of a monthly premium for Medicare coverage and a portion of the costs of covered services. There is no yearly limit on out-of-pocket expenses unless you have a Medicare Advantage plan.
How do TRICARE and Medicare work together?
TRICARE For Life may work with Original Medicare (Parts A & B), a Medicare Advantage plan or a Part D prescription drug plan. However, you may want to think carefully about whether you need Medicare drug coverage. TRICARE For Life includes a prescription drug benefit, so you may not need Part D. If you have TRICARE For Life and decide you want to enroll in Part D coverage, you can do it at any time. The TRICARE drug benefit is considered “creditable coverage,” which means it is at least as good as Medicare Part D. This allows you to sign up without paying the Part D late enrollment penalty. When you have TRICARE For Life and Medicare, you won’t receive a TRICARE wallet card. You only need your Medicare plan card and military ID as proof of coverage.
What is a Medicare Supplement Plan?
Medicare Supplement Insurance, also known as Medigap, is private health insurance that adds on to Original Medicare (Part A and B). It helps pay about 20% of the Medicare expenses that Original Medicare doesn't cover.
Frequently asked questions
What is Original Medicare?
The term “Original Medicare” refers to Medicare Part A and Part B. Part A helps cover the cost of hospital-related care, including inpatient services, lab tests and surgery. Part B is the medical insurance component of Medicare, which helps cover doctor visits, outpatient care and certain preventive services. The federal government administers both Part A and Part B.
What is a Medicare Advantage plan?
Medicare Advantage plans are offered by private insurance companies—like Humana, Aetna, United Health Care—contracted by the federal government. Medicare Advantage, also referred to as Medicare Part C, covers the same healthcare services as Original Medicare, except for hospice care. Many Medicare Advantage plans also include prescription drug coverage.
What is a Medicare Supplement Plan?
Medicare Supplement Insurance, also known as Medigap, is private health insurance that adds on to Original Medicare (Part A and B). It helps pay about 20% of the Medicare expenses that Original Medicare doesn't cover.
How much does Medicare cost?
Medicare costs consist of a monthly premium for Medicare coverage and a portion of the costs of covered services. There is no yearly limit on out-of-pocket expenses unless you have a Medicare Advantage plan.
How do TRICARE and Medicare work together?
TRICARE For Life may work with Original Medicare (Parts A & B), a Medicare Advantage plan or a Part D prescription drug plan. However, you may want to think carefully about whether you need Medicare drug coverage. TRICARE For Life includes a prescription drug benefit, so you may not need Part D. If you have TRICARE For Life and decide you want to enroll in Part D coverage, you can do it at any time. The TRICARE drug benefit is considered “creditable coverage,” which means it is at least as good as Medicare Part D. This allows you to sign up without paying the Part D late enrollment penalty. When you have TRICARE For Life and Medicare, you won’t receive a TRICARE wallet card. You only need your Medicare plan card and military ID as proof of coverage.
With over 20 years of experience in the insurance industry, I am dedicated to helping individuals navigate the complexities of Medicare. I specialize in Medicare supplements, Medicare Advantage plans, and prescription drug plans, offering personalized and comprehensive assistance to meet each client's unique needs. My extensive knowledge and expertise ensure that clients receive the best possible coverage and support, tailored to their specific health and financial situations.
Social Media Links
