Do You Know Someone Turning 65 Soon? 

Tell Them To Check Out This Easy To Understand Site.

Many Find Medicare Confusing Because Of All The Choices.

Just Remember All Medicare Plans Do Basically The Same Thing… Pay Your Bills!

Finally, Someone Has Taken The Confusion Out Of Medicare.

I Have Been On Medicare Since 2013, See What Happened To Me In 2018. 

My Name is Jerry Lober.

I am a Vietnam Veteran 67-71.

Since 1985 I have been a Insurance Broker who looks for the best value in insurance products. After selling Medicare for all these years to thousands of retires, in 2013 I turned 65 and enrolled in Medicare, thankfully I know which plans offer the best overall value. 

Just 5 years later I had a triple by-pass with a 6-day hospital stay at a cost of $60,000. Thankfully the Knowledge I have learned throughout my working years, my out-of-pocket cost was just $1,200. .

I am not only a Medicare Client but a Medicare agent since 1985 representing many quality companies. In the following pages I will explain what each plan offers depending on your current health situation and how much money you have to spend. Most people fall into 2 categories currently healthy or having some medical problems.

Click on the below links to see the differences between plans!

Medicare Choices in Baltimore Maryland

Medicare Choices in Maryland

The Lober Group has been a independent Insurance Advisor since 1981. We are currently licensed with over 50 top insurance companies to offer you the best value at the lowest cost. We are paid a fee by the company you pick when you let us submit your application to the carrier. There is no charge to you.  Remember no matter what company you choose they all do the same thing, Pay Your Out Of Pocket Costs depending on your plan.

Fill the Gaps in Your Medicare Coverage
Medicare Part D Prescription Drug Coverage
Medicare Coverage with Additional Benefits
Tax Free Savings for Medicare Expenses

Take A Few Minutes To Understand All Your Choices.
We Are Here To Help.
443-506-6755 monday - saturday 9am - 6pm

If you are planning to work after age 65 it can be cheaper to purchase a Medicare Advantage Plan instead of keeping your Company Plan.

If you don’t have a lot of income, you may be able to get a low-income subsidy

We offer a no cost unbiased review of all plans. You don't have to spend more to get quality Health Care.

What’s The Real Difference Between The Plans?

Original Medicare

If you purchase the stand-alone Part D drug plan, Premiums can cost up to $97 monthly plus a deductible up to $445. For all current Part D prices.

To See Costs

If you don’t pick a Drug Plan there are Penalties

Medicare Supplement Plans

To See All 44 Company Plans & Prices.

Medicare Advantage Plans

To See All Advantage Plans And Prices In Your Area

Attention Veterans! Free Coverage in addition to your V.A. benefits.

A New plan from Alterwood Advantage ( Freedom ) is available if you use the V. A. for your medical services, there is a $0 monthly premium, and they will add $40 back to your Social Security Account each month.

To Speak With A Licensed Agent For Additional Information

Medical Savings Accounts M.S.A.


“The Most Overlooked Medicare Plan”

“Popular With Snow Birds & Veterans”

The one nice thing about MSA’s is many doctors will accept the plans premium. Secondly the premium you pay, goes into your own account, earning interest, not the Insurance Company’s pocket.

For FREE Consultation By Email