About Us
Lori Reams Barciszewski Licensed Independent Broker
With over 20 years of experience in healthcare, I have had the opportunity to work closely with patients, families, and providers. I have seen firsthand how confusing Medicare can be, and that experience led me to this role where my focus is helping individuals better understand how Medicare works and what types of coverage may be available.
Whether you are turning 65, planning for retirement, or simply looking to learn more about Medicare, I provide personalized, no-cost educational guidance to help you feel informed and supported. I am happy to be a resource for you or someone you care about.
Our Services
Your Medicare Resource
Your Medicare Resource
Your Medicare Resource
At Lighthouse Management and Consulting, we provide personalized Medicare education and guidance at no cost.
We serve as a trusted resource for individuals and families, helping them access clear information and support as they explore Medicare options.
Medicare Services
Your Medicare Resource
Your Medicare Resource
Medicare Plan Reviews
Medicare Enrollment Assistance
Medicare Supplement Plans
Advantage Plans
Part D Prescription Drug Plans
Unbiased Education
Your Medicare Resource
Unbiased Education
Independent brokers, are not tied to a single insurance company. We provide valuable Medicare resources to help individuals compare options from multiple carriers.
While we don’t offer every plan available in your area, we help you review the options we do provide to find coverage that meets your needs.
Medicare Basics
Medicare Advantage vs Medigap
Medicare is the U.S. federal health insurance program covering hospital stays, doctor visits, and prescription drugs through different "Parts".
Medicare offers two primary coverage paths:
Option 1
Original Medicare Parts A & B
Can be paired with a Medicare Supplement / Medigap and Part D plan
Option 2
Medicare Advantage
(Part C) is an all-in-one option through private insurance companies that replaces Original Medicare and typically includes prescription drug coverage and extra benefits.
Open Enrollment
- Initial Enrollment Period (IEP) – First time enrolling
- Annual Enrollment Period (AEP) – October 15 thru December 7
- Medicare Advantage Open Enrollment Period (MA OEP) – January 1 thru March 31
- General Enrollment Period (GEP) – January 1 thru March 31
- Special Enrollment Periods (SEP) – Varies, ongoing for qualifying events
Eligibility
- Age: Generally 65 or older.
- Disability: Younger individuals with long-term disabilities.
- Specific Conditions: People with ESRD (permanent kidney failure) or ALS (Lou Gehrig's disease) at any age.
Turning 65 and still working
If you are turning 65 and still working, your health insurance choices may be different than someone who has already retired. Understanding how employer coverage works with Medicare can help you avoid unnecessary costs and enrollment issues. We are here to guide you through the process.
Medicare Parts
Part A Coverage
Part A Coverage
Part A Coverage
Medicare Part A helps cover your inpatient care in hospitals, critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. You must meet certain conditions to get these benefits. Most people don't have to pay a monthly premium, for Part A.
Part B Coverage
Part A Coverage
Part A Coverage
Medicare Part B helps cover medical services like doctors' services, outpatient care, and other medical services that Part A doesn't cover. Part B is optional. Part B helps pay for covered medical services and items when they are medically necessary. Most people pay a monthly premium for Part B. The exact premium depends on your income level.
Part C Benefits
Part A Coverage
Part C Benefits
Medicare Advantage plans combine your Medicare Part A and B coverage and often include extra benefits like prescription drugs, vision, or dental. Coverage is usually provided through a network of doctors, and most plans include Part D for medications.
Part D Coverage
Supplement / Medigap
Part C Benefits
Part D plans help cover prescription medications. They can be purchased separately or are often included with Medicare Advantage plans. Coverage varies by plan and pharmacy.
Supplement / Medigap
Supplement / Medigap
Supplement / Medigap
Medigap plans work with Original Medicare to help cover out-of-pocket costs like deductibles, coinsurance, and copayments. You keep your Original Medicare card and can see any doctor who accepts Medicare. Medigap does not include prescription drug coverage (Part D).