About Us
Meet in-person or nationwide via Zoom.
Ellen Muradian is a Registered Nurse with a management background from Advocate Hospital at St. John's in Elgin, IL. Using Artificial Intelligence (the new AI), Ellen can customize your Medicare Advantage HMO for the lowest possible copays, while confirming that your preferred Family Doctor and Specialist are in-network.
Do you mind paying slightly more to have no network, so that you can enjoy seeing all Doctors, nationwide, who accept Medicare, along with all hospitals nationwide which accept Medicare Patients?
If you are in good health, ask Ellen about the Medicare Savings Account (which is similar to the popular Health Savings Account, HSA, for those who were under age 65 when contributing.
Ellen can explain that although you would have a $8,000 deductible (not applied for no-cost "preventive" Medicare procedures), which is similar to the maximum annual out-of-pocket for PPO's, your benefit would be a $3,000 cash-to-you contribution.
However, note that instead of paying 20% for the Part B deductible, this MSA would require you to pay 100% of the Part B and Part A (Hospitalization) deductibles.
Ask Ellen for a quick and easy strategy-planning session to see if your good health, plus dependence on no-cost "preventative" Medicare procedures would make you a Candidate for this MSA?
Do you prefer the Medicare Supplement (like Plan F or Plan G), coupled with a Part D Drug Plan. Now that Medicare has so drastically changed the Part D payment structure (no doughnut hole, with a $2,000 annual maximum out-of-pocket), the monthly Part D premiums have increased dramatically!
Ask Ellen to utilize her software to ascertain if the new zero premium Part D will be your best option, or whether you prefer to pay the flat fee ($47 and up) or the percentage (ranging from 20% - 25%) with the break-even at the Part D company's cost of $188 per Brand at Tier 3.
Ellen will aggregate all your prescriptions to determine if your best economical interest is for a flat fee vs. percentage for all drugs combined, for all Tiers, by each of the 22 Pasrt D Plans in IL from all 8 Medicare-approved Part D companies.
Save Money, without sacrificing health care.
As depicted in the picture to the right, basal skin carcinoma, is an all-to-common concern for Medicare Beneficiaries.
Cancer and Heart Conditions are the leading causes of reduced longevity, so understanding your options is easier, quicker and more effective when you first realize that a Medicare Plan Broker, like Ellen Muradian, RN, can help.
She has access to any and all Part C, Medicare Advantage Plans, HMO, PPO, HMO-POS, MSA and MA-only, which are designed for Veterans or a Beneficiary who has a company-paid (retirement benefit) or personally paid (out of pocket) which is deemed "creditable" by Medicare.
PPO's and Medicare Supplements are similar in that a Beneficiary can select any Doctor, nationwide who accepts Medicare Part B.
The difference is in the cost and premiums. For instance, the popular Plan G, Medicare Supplement has a Part B annual deductible which must be paid, but after that, there are no additional copays, only premiums.
Ellen can share her own personal experience about how she has been enrolled in a zero premium PPO for almost a decade, along with how she has only spend only spent less than $1,000 for numerous, but typical medical procedures.
Leaving a health and strong legacy
Medicare now allows Genomic Testing which is on the verge of breakthroughs in longevity. We can now have more time to focus on living our best life possible for a memorable legacy for our loved ones. However, long lives also means more, higher health insurance costs.
Ellen can make logical assumptions, with your own input, about medical inflation in order to project your lifelong total costs for either a HMO, PPO or Medicare Supplement.