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, and Wisconsin. Additional states can be added as needed.

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Medicare
supplement plans

A Medicare Supplement Insurance Plan is used with original Medicare. Any caregiver that accepts Medicare will take a Medicare Supplement Insurance Plan because they only need to bill Medicare. Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%). It is important to note that Medicare Supplement Insurance Plans do NOT include Prescription Drug Coverage (Part D, PDP) and for those that do not get a PDP when first eligible there will be a penalty when they do get a PDP. (there are exceptions to this) A Medicare Supplement Insurance Plan does not change year to year (although the cost does generally go up the coverage does not change).

Medicare
advantage plans

Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. These "bundled" plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare drug coverage (Part D).

Medicare Part D
Prescription Drug Plans

Medicare Prescription Drug Plan (Part D). These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
Each Medicare Prescription Drug Plan has its own list of covered drugs (called a formulary). Many Medicare drug plans place drugs into different "tiers" on their formularies. Drugs in each tier have a different cost.
A drug in a lower tier will generally cost you less than a drug in a higher tier. In some cases, if your drug is on a higher tier and your prescriber thinks you need that drug instead of a similar drug on a lower tier, you or your prescriber can ask your plan for an exception to get a lower copayment.