About Us
Meet in-person or nationwide via Zoom.
Ellen Muradian is a Registered Nurse with a management background from the Advocate Hospital system. Using Artificial Intelligence (the new AI), Ellen can customize your Medicare Advantage HMO or PPO for the lowest possible medical copays and the least expensive drug costs, while confirming that your preferred Family Doctor, Specialists and preferred hospitals are all in-network.
Do you mind paying slightly more to have no network, so that you can enjoy seeing all Doctors, nationwide, who accept Medicare (and also accept the PPO's "terms and conditions"), along with all hospitals nationwide which accept Medicare Patients?
Ellen can explain that although you would have a $8,850 deductible in 2026 (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 $2,478 cash-to-you contribution.
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 a PPO with only a $2,500 annual deductible, or a HMO, which offers a social security monthly pay-out increase of $206.50.
Do you prefer the Medicare Supplement (like Plan G or Plan N), coupled with a Part D Drug Plan? Now that Medicare has so drastically changed the Part D payment structure with an annual deductible of $2,226 (6% anticipated increase for 2027), the monthly Part D premiums have increased dramatically!
Ask Ellen to utilize her software to ascertain if the new zero premium Part D Plans would be your best option, as she will compare all 50+ Plans, and putting your current or expected drugs into the appropriate Tiers. She will even compare the now-popular GoodRx card to your Part D cost, and consider your Part D Deductible.
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, MA-only, which are designed for Veterans or a Beneficiary who has a company-paid (retirement benefit).
PPO's and Medicare Supplements are similar in that a Beneficiary can select any Doctor, nationwide who accepts Medicare Part B and is willing to accept the PPO's terms and conditions.
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.
While Plan N has a $20 copay for Doctors' visits, and a copay of $50 per emergency room admission, the premium is significantly reduced.
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. Her Medigap/Part D alternative would have cost her over $20,000 for this same decade.
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 translate into 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.