Trinity Clancy Senior Health Insurance Broker

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Littleton, CO
Trinity Clancy Senior Health Insurance Broker

I teach people how Medicare works and help them choose the right Medicare plan.

03/11/2026

🏥 Hospital Stays & Medicare — How Coverage Works
Medicare does cover hospital stays, but how much you pay depends on the type of coverage you have. With Original Medicare and a Medicare Supplement (like Plan G), you can go to almost any hospital nationwide that accepts Medicare. After Medicare pays its share, Plan G typically covers the remaining hospital costs, so there is no daily copay or coinsurance for the stay.�With a Medicare Advantage plan, you’ll usually need to use a hospital in the plan’s network, and hospital stays often include a daily copay — commonly around $300–$400 per day for the first 5 or 6 days, after which the plan generally covers the rest of the stay. Different plans, different cost structures — but hospital care is covered.
As a Medicare Broker, I can help you select a Plan that works for you!

03/04/2026

👓 Vision Coverage & Medicare — What to Know
Original Medicare — and Medicare Supplements — generally do not cover routine vision care, like eye exams for glasses or contacts. To have routine vision coverage with Medicare + a supplement, you’d need to purchase a separate vision plan. Many Medicare Advantage plans in Denver, however, include routine vision benefits at no additional cost, often covering eye exams and allowances for glasses or contacts. Different coverage paths — the key is knowing what’s included and I am happy to be your guide 🧭

02/24/2026

🏥Today I had the opportunity to tour ArchWell Health and learn more about how they provide primary care services specifically designed for seniors on Medicare Advantage plans — including UnitedHealthcare, Humana, Aetna, and Devoted Health.
I have to say, I was impressed. Their focus on longer appointments, personalized care, and serving the Medicare population really stood out to me.
If you’re enrolled in one of these plans and looking for a new primary care provider, ArchWell Health may be worth checking out.
As always, I’m happy to help you review your options and make sure your doctors and plan are working well together.

02/18/2026

🚑 Medicare Advantage & Emergencies — You’re Covered Anywhere

🏥 With a Medicare Advantage plan, emergency care is always covered as in-network, no matter where you are in the United States. If you have a true emergency, you can go to any emergency room, even if you’re outside your plan’s service area.�Urgent care centers and other providers, however, are not always in-network when you travel, so costs may vary. The key takeaway: emergencies are covered as in-network — peace of mind wherever you are.

02/11/2026

👁️ Cataract Surgery & Medicare — What to Expect
Cataract surgery is covered by Medicare, but out-of-pocket costs depend on your coverage. With Original Medicare and a Medicare Supplement (like Plan G), Medicare pays its share and the supplement typically covers the rest — meaning little to no out-of-pocket cost for standard cataract surgery and the basic lens.�With a Medicare Advantage plan, cataract surgery is also covered, but you’ll usually need to use in-network providers, and you may have copay ($300 to $400) for the surgery and generally a new pair of glasses is included. Costs vary by plan, so it’s important to understand what applies before scheduling the procedure.
If you have questions about cataract surgery and Medicare, I'm happy to help. ☎️

02/04/2026

🎗️ Cancer Treatment & Medicare — Why Coverage Matters
Cancer can be one of the most expensive conditions under Medicare. With a Medicare Advantage plan, you may pay 20% of the cost of treatments like chemotherapy until you reach the plan’s annual out-of-pocket maximum — which can add up quickly. For those on Medicare Advantage, I often recommend a cancer indemnity plan. These plans are typically very affordable and pay cash benefits that can help offset treatment costs and ease financial stress during an already challenging time.
With Original Medicare and a Medicare Supplement like Plan G, your costs are usually limited to the annual Part B outpatient deductible (generally under $300).
📞 Please reach out of you have questions.

01/28/2026

🤍 Hospice Care & Medicare — Covered When It Matters Most
Hospice care is covered by Medicare, even if you’re enrolled in a Medicare Advantage plan. When hospice is elected, care is provided through Original Medicare and focuses on comfort, dignity, and quality of life rather than curative treatment. Medicare covers hospice services, medications related to the terminal diagnosis, medical equipment, nursing care, and emotional support — often with little to no out-of-pocket cost. Coverage is there to support both patients and their families during a difficult time.

01/21/2026

🏠 Urgent Care at Home — DispatchHealth in Denver

In the Denver metro area, DispatchHealth brings urgent care services right to your home. They treat many non-life-threatening issues that would otherwise send you to urgent care or the ER — things like infections, dehydration, minor injuries, breathing issues, and more. DispatchHealth works with Medicare Advantage and Original Medicare, helping many patients get timely care without leaving home.

Let me know if you have questions about this mobile service. 🚙

01/14/2026

⚕️I am licensed with 10 Insurance Companies to help you with Medicare. Here's some feedback from one of my clients about Devoted PPO.

🗣️ "My husband and I have been on the Devoted PPO plan for the past two years and we have been extremely happy.
Great customer service. Every time we submitted something from reimbursement, they were very prompt.
Very good follow-up on the phone from nurses. They're very, very helpful."

📱Please reach out if you have questions about Medicare Plans.

01/06/2026

🎉As we start off the New Year, in this Medicare Minute, I explain IRMAA-which stands for Income-Related Monthly Adjustment Amount, and how it affects your Part B premiums. For 2025, most people paid $185, but if your income is higher—like $300,000 for a married couple filing jointly—you might have paid $370 each. It's important to know your Adjusted Gross Income from 2024, as that determines your premium for 2026. If your income decreases after retirement, you may need to appeal your IRMA charge, and I'm here to help with that process. If you have any questions about your Part B costs or the appeal process, please reach out to me.

12/30/2025

🚑 No one wants to make a hospital trip during the holidays, but stuff happens!
If you have original Medicare, you'll face a deductible of $1,676 for 2025 when admitted to the hospital. However, if you have a Medicare supplement like Plan G or N, those costs are typically covered, aside from your monthly premium. Medicare Advantage plans, which have daily co-pays ranging from $200 to $350 for the first few days of hospitalization.

Here’s to a Happy and Healthy New Year🎉

12/24/2025

🤶🏻While I can’t extend Medicare’s Open Enrollment Period which concluded 12-7, I can assist with the following:

🗓️If someone has a Medicare Advantage Plan, they can still make a plan change (either to another Medicare Advantage or to a Medicare Supplement plan) from January through the end of March.

🩺If someone has a Medicare Supplement, they can shop for a different Medicare Supplement throughout the year, they would just need to be in good health to pass medical underwriting.

💊Now that Open Enrollment is over, the only way to change a prescription plan is to move out of state.

Happy Holidays to All and thank you for a great year!

Address

Littleton, CO
80214

Telephone

(303) 495-9669

Website

http://www.teawithtrinity.com/

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