about me

Who AM I?

Kerry Ghormley, CLTC

I am an insurance broker with over 18 years of experience in the industry. After working for 10 years in customer service and inside sales with a luxury international travel company, I was looking for a new opportunity. I wanted to not only make a difference but be able to build individual relationships with the people I helped. In 2006, after my father’s sudden diagnosis with cancer, I was inspired to make the change into the complicated, but extremely important area of protection planning.

I chose to focus in the areas of Life and Health Insurance because I know how critical it is to have the right plans in place. I take my calling to heart by educating individuals on the options available if they Live too long, Die too soon, or get Sick or Hurt along the way.

To assist in the process, I became certified in Long-Term Care Planning. I continue to educate and align myself with companies and resources as needed to find the best solution for my clients. Representing multiple companies and adding more as needed, I am open to new concepts and ideas in this evolving industry.

I am a member and Past President of the Professional Women’s Alliance (PWA). I am also a founding member of the Senior Resource Options (SRO) group. I have been involved with SLOCA, the St. Louis Ovarian Cancer Awareness group for many years.

My personal experiences with most of the products I represent fuel the passion I have to help people. It is my wish to help others around me to be prepared for the unexpected challenges that arise every day.

I am currently licensed in Missouri, Illinois, Iowa, Florida, Michigan, Texas, and Wisconsin. Additional states can be added as needed.

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Medicare
supplement Insurance

Medicare Supplement covers things that Original Medicare doesn’t, like copays, deductibles, and coinsurance. It does all this with a steady, predictable, monthly bill you can budget for. And it can’t be cancelled. It will be renewed for as long as you pay your premium
on time and make no material misrepresentation.

You can add a Prescription Drug Plan and a Dental plan to Medicare supplement
insurance to get even more coverage.

You have to get Medicare Supplement Insurance through a private insurer. You’ll have to pay a monthly premium and depending on the plan you may also have copays.

Medicare Supplement Insurance may be a great fit for you if:

• You want more coverage than original Part A and Part B.
• You’d rather pay a monthly, predictable bill than have to pay out of pocket for an unexpected medical bill.
• You want the freedom to see any doctor who accepts Medicare.
• You want to be able to travel abroad with the confidence you will be covered.1
• You want insurance that can’t ever be cancelled.†

†As long as the premiums are paid on time and
there has been no material misrepresentation.

*Medicare supplement plans do NOT include
Medicare Part D prescription coverage.

Medicare Advantage-Part C

Medicare Advantage combines the coverage of Part A and B – Original Medicare, plus extra benefits. Many plans include prescription drug coverage as well as dental and vision care. Some plans have no copays for most labs or tests. And some even have extra benefits like gym memberships and transportation.

Most plans offer $0 premiums, but you do have to pay your Part B premium. Most plans have copays for treatment. And you’ll continue to pay your Part B premium. Medicare Advantage plans have a yearly limit for out-of-pocket costs you have to pay. Once you reach that amount, you won’t pay more for any of your Medicare costs, your plan will cover it. Different plans have different maximums.

Medicare Advantage plans work all by themselves. They replace Medicare Parts A and B and because of this all-in-one approach, you don't pair them with Medicare Supplement policies.

Medicare Prescription Drug Plan-Part D

Part D covers your prescription drugs and is a great addition to pair with Medicare supplement insurance. You probably won’t need it if you get Medicare Advantage since most Medicare Advantage plans include it. Just remember, which prescriptions are covered depends on which plan you get.

You have to get your Prescription Drug Plan through a private insurer. You’ll pay the monthly premium and a yearly deductible. You'll also pay a coinsurance (a percentage of the cost for your prescriptions) or a copay (a flat fee for some of your prescriptions’ cost). It is important to verify that all of your prescriptions are included in the plan formulary.