Medicare gives you choices. We help you Figure Out Which Ones Are Right For You.
Independent Medicare advisor serving Pennsylvania and New Jersey
What Your ClearGuide Medicare Advisor Does For You:
- Uses 20+ years of healthcare benefits experience to ask the right questions and cut through the complexity
- 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
- Handles the enrollment process with you, start to finish
- Helps with coverage and benefits questions
- Identifies additional assistance you may be eligible for
- All These Services at No Cost to You
Our Process Supports You Before,
During, and After Enrollment
Your Medicare advisor follows a simple, transparent process tailored to your needs.
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 and your family members.
Insurance Decisions Can Be Overwhelming.
A Patient, Knowledgeable Insurance Advisor Makes Things Much Easier.
Paula Segal, is an independent Medicare advisor and founder of ClearGuide Advisors, serving individuals and families in Pennsylvania and New Jersey. She brings over 20 years of experience, from customer care to the C-suite, reducing costs, and guiding clients through complex health plan decisions. Working with Paula means having a skilled benefits professional in your corner 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, claims issues, and annual plan reviews.
- Comprehensive Coverage Options: Additional coverage options to support each client's health care and financial goals including dental, vision, hearing, hospital indemnity, cancer, heart attack, and stroke, long-term care, and life insurance.
Medicare Plans and Additional Coverage Options
- 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.
Making Sense of the Medicare Alphabet
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
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
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
Medicare Knowledge. Plain Language. Personal Attention.
ClearGuide Advisors combines deep healthcare benefits experience with patient, human guidance. We focus on education and long-term support, helping to simplify the process and take the stress out of Medicare coverage decisions.
A Partner You Can Rely On
Your Medicare Advisor brings 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.
Let's Talk About Your Medicare Options.
Whether you’re turning 65, reassessing your current coverage, or helping a loved one navigate their options, I’m here to help.
Please fill out the consultation form and I’ll follow up shortly.