Transitioning from Employer Health
Insurance to Medicare
At ClearGuide Advisors our mission is to help individuals, couples, and families in Pennsylvania and New Jersey so you never need to navigate the complexities of Medicare alone.
What ClearGuide Does For You
- Brings 20+ years of health benefits, coverage, and member advocacy experience
- Listens and explains Medicare in plain, easy-to-understand terms, so coverage decisions feel manageable now and as your needs change
- Assists with Medicare’s Initial, Annual, Open, and Special Enrollment periods
- Provides insurance quotes that make sense for your health and budget
- Guides you through the enrollment process
- Helps with coverage and benefits questions
- Identifies additional assistance you may be eligible for
- All These Services at No Cost to You
Medicare Guidance Designed for You
Turning 65 Made Easier
Learn about your options to avoid decisions that could lead to higher costs and fewer coverage options in the future.
Current Beneficiaries Covered
Reassess your Medicare plan to ensure it still fits your health and financial goals.
Support for Families:
Help adult children guide their parents through Medicare decisions efficiently.
Personalized Guidance
Advice tailored to your lifestyle, health, and long-term needs.
Our Process Supports You Before,
During, and After Enrollment
Our process is simple, transparent, and tailored to your needs. Here’s how we guide you through your Medicare decisions.
Personalized guidance based on your health, budget, and priorities at no cost to you.
Plain-language explanations of coverage choices, costs, and trade-offs.
Guidance informed by over 20 years of healthcare benefits and patient advocacy experience.
We’re here for you from the initial consultation and plan review through enrollment and beyond. All our services are provided at no cost to you or your family members.
Insurance Decisions Can Feel Overwhelming.
A Patient, Knowledgeable Insurance Advisor Makes Things Much Easier.
Paula Segal, your guide at ClearGuide Advisors brings over 20 years of experience designing healthcare benefits, reducing costs, and guiding clients through complex decisions. With extensive Medicare experience, you receive education and support from a skilled benefits professional who understands the healthcare system and will focus on your needs.
- Independent Guidance: Client-focused Medicare support across NJ and PA.
- Clear Explanations: Understand your options with no jargon or sales pressure.
- Ongoing Support: Year-round help with Medicare questions and annual plan reviews.
- Comprehensive Coverage Options: Additional coverage options to support health care and financial goals for you or a loved one, including dental, vision, hearing, hospital indemnity, life, and long-term care.
Comprehensive Medicare and Insurance Solutions
- Medicare Supplement (Medigap)
Fill gaps in Original Medicare coverage and reduce out-of-pocket costs.
- Medicare Advantage Plans
Explore comprehensive plans with extra benefits like vision, and wellness.
- Part D Prescription Plans
Get the right prescription drug coverage for your medications and budget.
- Hospital Indemnity Insurance
Coverage to help with hospital stays, surgeries, and medical emergencies.
- Dental, Hearing & Vision Insurance
Access preventive and essential care for your teeth and eyes.
Quick Guidance for Smart Medicare Choices
ClearGuide informs you about key coverage considerations helping you prioritize your health and financial well-being.
1
Medicare Part A
• The 2026 Part A deductible is $1,736
• After the deductible, you may have additional costs
3
Medicare Part C (Medicare Advantage Plans)
• MUST cover all medically necessary services covered under Original Medicare
• May offer additional benefits such as dental, vision, hearing, and wellness
• Often use provider networks; out-of-network care may restricted or more expensive
• Coverage rules may differ from Original Medicare and some services may require prior approval
• Monthly premiums, care costs, benefits, provider networks, and annual out-of-pocket maximums vary by plan
2
Medicare Part B
• Higher income beneficiaries may pay an additional monthly surcharge
• 2026 deductible is $283
• After the deductible, you generally pay 20% coinsurance for covered services
4
Medicare Part D
• Most plans have a monthly premium
• Higher-income beneficiaries may pay an additional monthly surcharge
• Deductibles, coinsurance, and copays may apply, depending on the plan and medications
• In 2026, your maximum out-of-pocket cost for covered prescriptions is $2,100
• Cost-sharing and which medications are covered may vary by plan
Why Choose Us for Your Medicare Guidance
ClearGuide Advisors combines deep healthcare benefits experience with patient, human guidance. We focus on education and long-term support, helping you move through Medicare decisions without unnecessary stress.
A Partner You Can Rely On
Over 20 years of healthcare benefits and consulting experience.
Clarity in Every Step
Plain-language guidance for informed decision-making.
Personalized Support
Guidance and assistance through enrollment and annual plan reviews.
Get Personalized Medicare Guidance Today
Schedule a consultation to discuss your Medicare options and receive patient, knowledgeable guidance tailored to your needs. Whether you are turning 65, reassessing your current coverage, or helping a loved one navigate Medicare, we make the process easier and less stressful. Fill out the form below, and one of our advisors will contact you to get started.