Althea Sanders, Medicare Insurance Broker
Althea Sanders
MedLife Concierge
Medicare Broker Licensed in WA, ID and MT
3+ Years of Experience
Contact Details
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Location
Puyallup, WA
About Me
I’m not your typical health insurance agent.
My journey into Medicare health insurance was inspired by a deep commitment to serving my friends, neighbors, and the aging community. Having called the Pacific Northwest home for nearly 20 years, I’ve been privileged to contribute in many roles—business owner, mother, foster mother, church group leader, community advocate, and caregiver. Now, I’m focusing my passion for service into helping individuals navigate the complexities of Medicare and Retirement planning.
My goal is to educate & empower you to make informed decisions about your health coverage. I understand that every individual’s needs and circumstances are unique, and I’m here to help you find a health plan that fits both your healthcare needs and your budget. My services are completely complimentary, with no obligation to enroll.
I’m dedicated to making this process as straightforward and stress-free as possible. Let’s work together to find the best Medicare options for you—quickly and efficiently.
“Making Medicare Options Sweet”—let’s take care of what’s necessary, with care, compassion and hopefully some humor, too!
Q&A with Althea Sanders
How will the Inflation Reduction Act’s Medicare drug pricing changes really affect seniors?
Answer: It means that the former coverage gap known as the "Donut Hole" has gone away.
Stage 1 is the deductible - $590.
Stage 2 is the initial coverage phase where beneficiaries pay up to 25% coinsurance for medications until they reach a MAX out of pocket of $2000 for the year.
Stage 3 is the Catastrophic coverage - once a beneficiary has reached the MAX $2000 out of pocket for PART D drugs - medications on your plans formulary become covered at 100%.
Plan year restarts January 1.
This is for Part D drugs - prescription medications that are mailed to you from your doctor or that you pick up from a pharmacy.
Is Medicare Part A enough for hospital coverage?
Answer: With Medicare Part A for your hospital coverage - you will still have some out of pocket expense. There is no co-pay for a hospital stay but there IS a deductible. For 2025, the deductible for a hospital stay is $1,676. Days 1 - 60 are $0 per day after you pay the deductible. However, there is a cost of $419 per day for days 61-90 and $838 per day for days 91-150.
You could pay the deductible multiple times each year if there are multiple admissions.
Feel free to message me if you would like further explanation!