Special Presentations

What You Should Know About Medicare 

Fred Everts and Janet Lambert
Ringling College Museum Campus
Fridays: 1-2:30 pm • 3 Sessions Sept. 30-Oct. 14
Free to Gold and Silver Members. • Limited seating; pre-registration required.
You can register for individual sessions or the entire series.

While retirement is an exciting time in a person’s life, understanding the process for your health care coverage can be challenging and sometimes overwhelming. Medicare is a federal health insurance program for individuals turning 65, for younger individuals with disabilities, and for individuals with End-Stage Renal Disease (ESRD) or Lou Gehrig’s disease (ALS). These sessions will give you a better understanding of how Medicare works and how to supplement what Medicare may not cover for both your healthcare and medications. Bring your questions and join us as we navigate Medicare!

Fred Everts earned his bachelor’s degree from Eckerd College. In addition, Fred earned the Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) designations from the American College. Fred began his career in the insurance industry in 1982 and has held various sales and management positions in the insurance and financial services industry. He currently owns his own agency, Everts Insurance Group Inc. 

Fred Everts, Medicare
Fred Everts
Janet Lambert, Medicare
Janet Lambert

Janet Lambert is an independent licensed insurance agent and owner of Janet Lambert’s Insurance, LLC. She is a Florida native, born in Tampa. Janet understands the importance of health insurance and has a passion for educating individuals about Medicare and Medicaid. Janet is a registered dental hygienist. She also enjoys arts and crafts, Bible studies, gardening, and the beach. 

Sept. 30

Who is eligible

• When are you eligible?
• When should I apply?
• Enrollment records
• How do you apply?
• What is the cost?
• What is IRMAA (Income-Related Monthly Adjustment Amount)
• What is included in Medicare?
• What is Part A, Part B, and Part D?
• What does Medicare Part A and Part B cover?

Oct. 7

Choosing a plan 

• What are your health plan options?
• Original Medicare vs. Medicare Advantage Plans?
• What is a PPO?
• What is an HMO?
• What is a PFFS?
• What is a Medical Savings Account Plan (MSA)?
• What is a Special Needs Plan? Chronic or Dual?
• What is a supplement plan (aka) Medigap?
• What is a Part D penalty?

Oct. 14

Know your rights and protect your information 

• What are your rights?
• How to protect your identity?
• What is HIPPA?
• Who has access to your personal health information?
• What are your rights based on your medical coverage?
• Original Medicare
• Medicare Advantage Plans
• Medicare Drug Plans
• Who must follow HIPPA regulations?
• What rights do you have over your health information?
• What is an EOB?
• Fraud and Abuse: Do’s and Don’ts


Tidewell Hospice/Empath Health: Comfort and Care When It’s Needed Most

Jennifer Neuman
Ringling College Museum Campus
Thursday, Oct. 6 • 10-11 am 
Free to Gold and Silver Members • Pre-registration required.

When is it time to call hospice? How will I pay for hospice care? Coping with a serious illness and facing the end of life is one of life’s most stressful moments for patients and their families. This presentation provides a comprehensive overview of the physical, emotional, and spiritual care Tidewell Hospice can provide to patients to improve their quality of life. We will discuss the array of services Tidewell provides, as well as the specifics of who can benefit from hospice care, when hospice should be called, where care is provided, and how pain and other symptoms are managed. Join us to learn more about the complementary services Tidewell provides to patients and the community through the Tidewell Foundation.

Jennifer Neuman is a community partnership specialist for Tidewell Hospice/Empath Health. She is responsible for the implementation and presentation of programs within the community to heighten awareness and understanding of Empath’s continuum of care and services. Jennifer has 24 years of experience as a case manager with the Department of Job and Family Services. She is a certified Advance Care Planner, a member of the Care Auxiliary, and serves on the Board of Our Charlotte Elder Affairs Network (OCEAN), the Douglas T. Jacobson Veteran’s Home Resident’s Fund, and Meals on Wheels.

Jennifer Neuman, Tidewell
Jennifer Neuman

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