Clear answers,
before important decisions.

Part A covers hospital stays, skilled nursing, and some home health care. Part B covers doctor visits, outpatient care, and preventive services. Part C (Medicare Advantage) is an all-in-one alternative to Original Medicare, often with extra perks. Part D covers prescription medications. Supplemental (Medigap) helps cover the deductibles and copays Original Medicare leaves behind.

Advantage usually costs less monthly but keeps you within a network of doctors. Supplemental costs more monthly but lets you see any doctor who accepts Medicare, with fewer surprises. We lay out both side by side for your doctors, your medications, and your budget, and you decide. We never push either way.

Your Initial Enrollment Period is the 7 months surrounding your 65th birthday month. Enroll late without an exemption and Part B premiums can rise 10% for each year missed, permanently. Use the enrollment window tool on our Medicare page to see your personal dates.

That's exactly what we check before recommending anything: your specific doctors, your pharmacy, and every medication, against every plan we consider, using the most up-to-date software available.

Yes. You decide how hands-on you want to be. We can walk you through it step by step or take it off your hands completely. Either way it's done right the first time.

Enormously. Claiming at the wrong time can reduce your lifetime income by tens of thousands of dollars — the average household leaves $112,450 on the table. Claim too early and you lock in a smaller check forever.

A Registered Social Security Analyst is a national certification in Social Security law, claiming strategies, spousal and survivor benefits, and how Social Security connects to Medicare and taxes. As a certified RSSA® agency we run your real numbers rather than guessing.

Often yes — spousal and survivor benefits are among the most misunderstood parts of Social Security, and among the most valuable. This is exactly what the analysis covers.

Many people assume they can't and never apply. With the right planning, including trusts where appropriate, many families do qualify while keeping what they've built. We check honestly and tell you either way.

The Medicare Savings Program. If your income is limited, the state can pay some or all of your Medicare costs: at the top level your full Part B premium plus deductibles and copays. Qualifying also automatically unlocks Extra Help, which lowers prescription costs.

If your monthly income is above the Medicaid limit, the excess is deposited into a nonprofit-managed pooled trust with your own sub-account. Your countable income now fits under the limit — and each month your trust funds load onto a prepaid card in your name for rent, food, utilities, and everyday needs.

Yes, and missing a form or a deadline can cancel coverage even if you still qualify. We track renewal dates and handle the paperwork so nothing falls through the cracks.

No — this is the most expensive misconception in retirement. Medicare does not cover long-term custodial care. One year of nursing care can cost $100,000+, and five years can quietly consume $500,000.

Two main paths: long-term care insurance purchased while you're healthy, or an asset protection trust set up in advance so you can qualify for Medicaid without losing your life savings. Many families blend both. The key is planning before a crisis, not after.

While you're healthy. Wait for a diagnosis or a fall, and you may not qualify for insurance at all, and trusts need time to hold up. Planning early costs less and keeps every option open.

Nothing. It's free and confidential, with no obligation. We listen to your situation and make sure we're the right fit before anything else.

No. We don't get paid more for pushing one plan over another. Every option is laid out plainly and the decision is yours.

No. Talk through it all in one sitting, take it one piece at a time, or get help with just one thing. You choose the pace.

Call 718.633.1577 and a real person picks up, walk into 5308 New Utrecht Ave in Brooklyn, or email info@benepro.net. It starts with a free consultation.