Broker Check
Masthead Image

Health Insurance & Medicare


At C.M. Carrillo Financial Advising, we have always been very proud of our firm's business model because it is what has always allowed us to truly take a comprehensive and well balanced approach to the overall financial planning process. With that being said, there are certain aspects of financial planning that we do not address in house; however, that does not mean that we have forgotten about these particular aspects of the process. Every component of one's financial plan is relevant because each component has the ability to impact all of the others. Two very important components of one's financial situation that we do not directly provide solutions for include Health Insurance and Medicare. That is why we have been very proactive when it comes to establishing strategic relationships with trusted professionals who specialize in these two areas.

It is very important to understand the differences between Health Insurance, Medicare, and Long Term Care
Insurance. It is important to know what each one covers and what each one does not cover. For example, many
people have misconceptions about what government benefits will cover and for how long. In retirement, it is
common for people to access the care that they need by utilizing a patchwork of different types of coverage.



For information about Long Term Care Planning, use this link to view our Long Term Care Planning Page.


Health Insurance

When it comes to Health Insurance, we have a very strong relationship with a trusted Independent Insurance Broker who also works in The Greater St. Louis Area. She works for a company called Compass Health Consultants, she is very good at what she does, and her name is Denise Sullivan. Denise is an absolutely phenomenal resource and she truly has integrity. As a Broker, she works to ensure that all of her clients have all of the information they need in order to make well informed decisions regarding their health insurance coverage. With so much uncertainty currently surrounding health insurance, Denise finds her work very rewarding and very fulfilling because on a daily basis she knows that she is really helping individuals, couples, families, and business owners manage such an important aspect of their finances.

If you need to reevaluate your health insurance coverage, we would highly encourage you to reach out to Denise. She is always more than happy to help in any way that she can. It should also be noted that Denise enjoys traveling; consequently, if you are not able to meet her at her office, that is typically not a problem.

If you would like to learn more about Compass Health Consultants, please feel free to use the links provided below.

Denise Sullivan

If you would like us to arrange a warm introduction with Denise, please feel free to contact us at any time. | (314)-724-0116

 

Medicare

As we get older and enter our post retirement years, healthcare is routinely addressed by utilizing a patchwork of solutions and it is important to remember that these solutions can work together. For example, this may be especially true when married couples are preparing to enter their retirement years, but each spouse does not necessarily plan on retiring at the same time. Whatever the case may be, Health Insurance, Medicare, and Long-Term Care Planning are each elements of one's overall financial plan that play a very important role from a healthcare perspective.

And of course when it comes to Medicare, it is very common for individuals and couples to have questions about how such a transition will affect their access to our healthcare system. Transitioning from the plan that one has through his or her employer to something new can certainly create some uncertainty. And as we all know, for many, change is not always easy. Fortunately, we have a strong relationship with a trusted industry professional who also works in The Greater St. Louis Area. David Adams is the Founder, Owner, and Medicare Solutions Specialist of Simply Senior Solutions.

David truly has a passion for helping his clients navigate the process of obtaining their Medicare coverage. He has a thorough and straightforward process that he uses when working with all of his clients, and at the end of the day, he derives a substantial amount of personal satisfaction from helping his clients transition into retirement with the Medicare coverage that they need.

It should be noted that David has the ability to access the plans of many different Medicare providers. Consequently, this enhances David's ability to help his clients obtain the coverage that is going to best suit their needs and preferences. If you would like to learn more about your Medicare options, we would highly encourage you to reach out to David. He is very knowledgeable and he is always more than happy to help in any way that he can.

If you would like to learn more about Simply Senior Solutions, please feel free to use the links provided below.

                                   David Adams

If you would like us to arrange a warm introduction with David Adams, please feel free to contact us at any time. | (314)-724-0116


Helpful Information From Our Research Center





Helping You Transform Your Vision Into Your Reality



All entities listed are separate and unrelated to C.M. Carrillo Financial Advising.

All entities listed are separate and unrelated to Prosperity Wealth Management, Inc.

PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, you are leaving this web site. We make no representation as to the completeness or accuracy of information provided at these web sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information and programs made available through this web site. When you access one of these web sites, you are leaving our web site and assume total responsibility and risk for your use of the web sites you are linking to.