About sunny65 insurance
Thanks for visiting my website. I am Linda Devaney, owner and licensed independent insurance agent of Sunny65Insurance. I am a wife, mother, grandmother and dog mom. My husband spent 27 years in the Navy and retired as a Senior Chief. Together we have family in three different states. My greatest joy is being a grandmother.
Prior to establishing my independent insurance business I worked in the financial industry. I decided to put my career objectives to protecting senior's health versus their wealth. I saw how misguided folks were. How misleading the tv advertisements, mailers and phone calls were. I had to help by breaking it down and weeding out confusion. Heck I am almost a senior myself. Every carrier is competing for your business and each year they consume you with mail, phone calls and more. Total confusion that could result in making mistakes that could hurt your healthcare choice. That is where can help.
Are you wondering what makes me different than other agents or the one you currently have? Why you should call me?
1. I chose to be independent therefore can offer a plan that is right for you not just for the carrier.
2. The plan that you need may be different from your friends, family and even your significant other.
3. I offer a free consultation to determine what "you" need from your healthcare plan.
4. I will always be there to answer questions. I wont be the 800 number on the back of a card. You will have my personal phone numbers.
5. I consider my clients my friends. I will do my best to always have your back. I won't misguide you or lead you down the wrong road. This is your choice for the best Medicare road to travel on. Let me help you find out which one that is or at least verify you are on the right one.
Have a Sunny65 day and I look forward to speaking with you.
1. Not affiliated with the U.S. government or federal Medicare program. This is a solicitation for insurance.
2. I do not offer every plan available in your area. Any information I provide is limited to those plans I do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Medicare Supplement Plans
- Also known as Medigap plans, these plans can be purchased in addition to traditional Medicare
- Offered by private insurers
- Must conform to federal and state laws
- You must be enrolled in Medicare Part A and Part B to qualify
- You are responsible for paying the premium in addition to your Medicare Part B premium
- Some plans do not cover certain services such as foreign travel emergencies or skilled nursing facility coinsurance
- Does not include a prescription drug benefit
Medicare Advantage Plans
- Medicare Advantage Plans
- Offered by private insurers who contract with Medicare
- Many plans include a prescription drug benefit while some also offer vision and dental benefits
- Can be a Health Maintenance Organization (HMO), a Preferred Provider Organization (PPO), a Private Fee-for-Service Plan (PFFS), or a Special Needs Plan or Chronic Care Plan
- Features a Managed Care component to monitor and improve quality of care and control costs by reducing unnecessary duplication of services
- Out-of-network care may be partially covered
- The larger the enrollment in the local or regional plan, the greater the number of specialists in the network
Standalone Dental Insurance
- This type of insurance covers a wide variety of covered dental services such as routine cleanings and exams, fillings, crowns, root canals, and tooth extractions.
- The ability to find a dental plan that meets your budget and needs
- Affordable preventive treatments that reduce the need for costly treatments down the road.
Standalone Vision Insurance
- This type of insurance covers a plethora of vision services such as eye exams, eyeglass frames and lenses, contact lenses, and discounted rates for LASIK and PRK.
- The ability to find a vision plan that meets your budget and needs.
Medicare Carriers
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