Medicare is a government-sponsored healthcare program that provides coverage to individuals aged 65 and over and those with specific disabilities. While Medicare can be an excellent resource for eligible people, it's essential to understand the program and avoid common mistakes that can lead to gaps in coverage and higher out-of-pocket costs. In this blog post, […]
For Health Insurance, Medicare and Retirement
An Insurance Professional with Specialized Experience
Working with families and individuals to get them the best coverage possible
Patti The Insurance Lady aims to Provide Quality Service and Excellence
My name is Patti Shotwell. I am an insurance broker licensed in the State of Florida and many other states. And as a broker, I represent numerous life insurance, health insurance, and Medicare companies, which gives me the knowledge and ability to advise you on the many options you have with your insurance and retirement needs.
When you are turning 65 years of age, you are inundated with piles of conflicting Medicare information, all telling you their plan is the best one for you. Which should you choose? There are so many options.
We are experienced, reliable and professional.
’You can count on us for high-quality service. Our industry experts know what matters most to you: good customer service, honest advice, and economical quality products.
Health Insurance
Health insurance typically pays for medical, surgical, and sometimes dental expenses incurred by the insured.
Life Insurance
Life insurance guarantees that money will be paid out to named beneficiaries in the event of the passing of the insured, in exchange for premiums paid during the insured’s lifetime.
Medicare
Medicare is very complicated. We can help you understand your options and find the right plan for your needs. We’ll also be there to help if you have any problems with your coverage.
Many years in business
Personalized Attention
Knowledgeable advisors to help you
Multiple coverage options to choose from
Click & Learn
Health Insurance
Does Age Matter?
Pregnancy Coverage
Lower Premiums
Mental Healthcare
Picking a new plan
Does Age Matter?
Risk Factors
The older you are, the costlier it gets to purchase health insurance.
Solution
Irrespective of your age, you are safer with a health insurance plan than without it. Availing a health insurance plan early in life is also wiser as the premium is lower.
Pregnancy Coverage
Risk Factors
Does your current health insurance plan cover pregnant women? If not, then you may be subject to a premium surcharge.
Solution
Insurers offer pregnancy and maternity coverage subject to certain constraints. While some cover a restricted number of pregnancies, others have a waiting period before covering such claims.
Lower Premiums
Risk Factors
The least expensive monthly premium is often seen as a bad sign. A lot of people think that because their monthly premium is low, it means they have found the one.
Solution
Lower premiums don’t necessarily equate to overall lower out-of-pocket costs for health insurance. Depending on your family’s and your needs, paying a higher premium that covers services upfront may be more beneficial.
Mental Healthcare Coverage
Risk Factors
Mental health is an essential part of physical wellness. However, many people are either unaware or neglectful about the necessity for medical treatment in this area.
Solution
Health insurance plans may cover every aspect of your physical health – but there’s always some coverage for your mental well-being, with behavioral health benefits associated with your health plan.
Picking a new plan
Risk Factors
Picking a different plan may be challenging if your coverage needs and circumstances have changed since the previous year. Examples of such circumstances include getting married, having children or making more money.
Solution
While sticking with your same plan may seem like a good idea, it can end up costing you more later on. You and your dependents' health care needs may shift from year to year. This is why it's a good idea to research plans and select what works best for your new needs.
Testimonials
Miss Patti Shotwell she has been with me through out many year and today 9/20/2022 she took her to explain to me about the enrollment package and I was very grateful to have her as my agent she explained to me over the phone,so that’s why I made my decision to continue with our she have a lot of patience, thank you miss Patti Shotwell.
Clear spoken and very detailed oriented. Kept me on focus nicely with a sweet and gentle manner...the best I've found to date...lovely lady
News & Blog
Latest Insight, Insurance Trends
Losing a job is never easy, but losing access to affordable health insurance can be even more challenging. If you find yourself unemployed, it's essential to know that you still have options for affordable health insurance. Here are some tips on how to get affordable health insurance when you're unemployed. Check if you qualify for […]
You may have heard of Medigap insurance if you're a Medicare recipient. Medigap insurance is supplemental coverage that can help fill the gaps in your Medicare coverage. Here are the top 8 reasons why you need Medigap insurance. Medigap insurance can help cover your out-of-pocket expenses. While Medicare covers many healthcare costs, it doesn't cover […]
Contact Patti The Insurance Lady
As an independent agency, we are here to help you find the right coverage.
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954-280-8971
954-540-7850
2511 N Hiatus Rd #127
Ft Lauderdale, FL 33026 USA
Ft Lauderdale, FL 33026 USA
Hollywood, FL
We extend coverage to individuals and businesses in Hollywood, FL and surrounding areas.