Lavina Woart, Medicare Insurance Agent
Lavina Woart
One Health One, Inc.
Medicare Agent Licensed in CT, DE, FL, IA, NJ, NY and PA
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Mount Sinai, NY
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About Me
Greetings, thank you for stopping by! I'm Mrs. Lavina E. Woart, the driving force behind this endeavor involving medical insurance. Allow me to recount what motivated me to launch One Health One, a beacon of hope for the healthcare profession.
My experience started with a strong conviction in the efficacy of empathy, compassion, and easily available healthcare. I saw the urgent need for a medical insurance company that genuinely cares for its customers after experiencing the difficulties and uncertainty that sometimes accompany health conditions firsthand.
My steadfast dedication to transforming healthcare into a basic right rather than a privilege gave birth to One Health One. I recognize that it can be intimidating to navigate the complicated world of health insurance especially whenever new to Medicare. That’s the reason I’m here, not just as a business, but also as your reliable guide while you pursue better health.
My team’s and my own principles are based on honesty, openness, and a sincere wish to improve our clients’ lives. You are the center of our family; we are not merely another nameless organization. We take great satisfaction in creating a solid, encouraging network that comes together for you in times of need.
We go the additional mile and strive for excellence at One Health One. Our devoted team of professionals works relentlessly to ensure that you are matched with the finest plan while also giving economical options that do not sacrifice quality or care.
One Health One is about more than simply coverage; it’s about peace of mind. It’s about knowing you have a strong ally on your side, ready to assist you in overcoming any health problem life may throw at you. We are more than simply insurance; we are assurance.
Our commitment is unshakable as we move forward together. We promise to be there for you, to listen and empathize with you, and to make sure you get the treatment you need. Because your health and happiness aren’t just our business at One Health One; they’re our mission.
Thank you for entrusting us with your Medicare insurance. Let us take this journey to greater health one step at a time. Welcome to the One Health One family, where we believe in the strength of one, the power of unity, compassion, and empathy.
Here’s To Your Health!
Mrs. Lavina E. Woart
Licensed Insurance Agent
Q&A with Lavina Woart
What should I look for in a Medicare plan if I travel frequently both domestically and internationally?
Answer: If you travel often—whether across the U.S. or internationally—your Medicare coverage should be flexible and reliable wherever you go. Here’s a simple breakdown:
Medicare Advantage (Part C):
These plans typically use provider networks. If you travel outside your plan’s service area, routine care may not be covered—only emergencies are guaranteed. Some plans offer limited international emergency coverage, but benefits vary. If you’re considering this option, look for a PPO plan and confirm how coverage works out of state and abroad.
Medicare Supplement (Medigap):
Medigap plans offer more flexibility for travelers. You can see any doctor nationwide who accepts Medicare—no network restrictions. Many plans also include emergency coverage for foreign travel (with certain limits), making them a strong choice for frequent travelers.
Bottom line:
If you travel occasionally, a Medicare Advantage plan may work. But if you travel often or want peace of mind wherever you go, a Medicare Supplement plan typically provides greater freedom and predictable coverage.
My Medicare Advantage plan advertised dental coverage, but it barely covers anything. Is this normal?
Answer: Yes, this is common. Original Medicare generally does not cover routine dental care, and when Medicare was created in 1965 it was not designed to meet every medical need—so there are coverage gaps. Medicare Advantage plans try to help fill some of those gaps with added benefits like dental, but coverage limits and networks vary, so if more comprehensive dental care is needed, a stand-alone dental plan is often suggested.
Can my Medicare Advantage plan offer extra coverage for breast cancer services?
Answer: Medicare Advantage plan must cover all medically necessary breast cancer services that Original Medicare covers, like mammograms, diagnostic tests, and treatment. Many plans also offer additional benefits that can help, such as lower copays, transportation to appointments, or care coordination, but these extras vary by plan. It’s best to check with the plan you’re considering, your current plan’s Evidence of Coverage or call the plan to see exactly what additional support it includes.
Is Original Medicare or Medicare Advantage better? Why do you recommend one over the other?
Answer:
Neither Original Medicare nor Medicare Advantage is universally “better” because the right choice depends on a person’s health needs, budget, and how much flexibility they want in choosing doctors. Original Medicare usually offers broader provider access and predictable coverage, while Medicare Advantage often bundles extras like dental, vision or hearing and other perks such as Silver Sneakers with lower upfront costs but tighter networks and rules. I recommend one over the other only after looking at medications, doctors, travel habits, and total out-of-pocket risk, because Medicare is not one-size-fits-all.
What do seniors often misunderstand about Medicare's coverage for long-term care?
Answer: Many seniors think Medicare will cover long-term care in a nursing home or assisted living facility, but it usually doesn’t. Medicare only pays for short term medically necessary skill care like rehabilitation after a skill care stay and only for a limited time. Ongoing custodial care is help with activities such as bathing, dressing and other activities of daily living are not covered and in reality to get health through Medicaid, you generally must meet strict income guidelines and asset limits to qualify.
What is one of the the most common misconceptions people have about Medicare?
Answer: One of the most common misconception about Medicare is that it covers everything. In reality, Original Medicare typically covers about 80% of approved services and doesn’t include dental, vision, hearing or long-term care. That means many people are surprised by out-of-pocket expenses, such as deductibles, co-pay, and coinsurance unless they have additional have additional coverages.
Why am I paying more for Medicare Part B and D than my friends? What is IRMAA and how is it calculated?
Answer: It’s likely your modified adjusted gross income from two years ago is more than your friends. The income related modified adjustment amount is an extra surcharge added to your monthly Medicare part B and part D premiums if your income is above a certain amount, and the rates are determined each year by Medicare.
What's a red flag in a phone call that it might be a Medicare scam targeting my personal info?
Answer: A red flag in a phone call that might be a Medicare scam targeting personal information is you never initiated the call. The caller may be requesting sensitive non public information about your identity and have created some form of urgency in the conversation for you to provide the information.
I'm turning 65 next month; what are the first steps I should take regarding Medicare enrollment?
Answer: Congratulations on reaching a pivotal milestone. If you have not yet done so now is the time to activate your social security account. Setting up your account will help you track your benefits, estimate your future Social Security income and manage your Medicare enrollment. This is your Initial Enrollment Period (IEP) and you generally have seven months to enroll in Medicare, 3 months before your birthday, your birthday and 3 months after your birthday. It's important to enroll during this period to avoid possible penalties and gaps in coverage. If you have any questions or need guidance on choosing a Medicare plan that fits your needs, I'd be happy to help!