Liberty Medicare – Independent Insurance Agency
Guidance Beyond Medicare Enrollment

Gregory Lazarev, President

For Liberty Medicare, enrolling clients in the right Medicare plan is only the beginning of ongoing guidance. Since 2010, Liberty Medicare has combined Medicare expertise with year-round, personalized support, helping beneficiaries keep their coverage aligned with changing healthcare needs and Medicare requirements.

Every recommendation starts with understanding the client’s healthcare needs, financial priorities, and long-term goals. Representing about 50 Medicare Advantage and Medicare Supplement insurance carriers across multiple states, it compares Medicare Supplement, Medicare Advantage, and prescription drug plans to identify the best coverage suited to each client’s circumstances, rather than promoting any particular insurer. Its boutique scale allows advisors to give every client individual attention.

Personalized service is reinforced by responsive communication. Clients have direct access to knowledgeable advisors who answer questions and provide timely guidance, without navigating lengthy automated systems or waiting until the next enrollment period.

“Clients can always call us and discuss their needs without delay. If we miss a call, we return it within an hour or two and get to work immediately,” says Gregory Lazarev, president.

Personalized Guidance Built Around Every Client

Initial consultations focus on Medicare eligibility, healthcare needs, and prescription medications to identify the most appropriate coverage for each client.

For Medicare Supplement applicants, the agency reviews each client’s medical history and prescription medications, explains underwriting requirements, and identifies insurers whose guidelines best align with their health profile, thereby improving the likelihood of approval. Alternative Medicare Supplement plans are presented to and discussed with clients.

Medicare Advantage consultations include reviewing physicians, hospitals, prescription medications, and provider networks to ensure coverage aligns with healthcare needs. Clients also receive plan comparisons, benefit summaries, and enrollment assistance, whether completed online or in person.

Part D prescription drug coverage is another important part of the consultation process, as choosing the right plan can improve cost efficiency. Although clients may complete enrollment directly with the carrier, the agency assists with comparing options and selecting the plan best suited to their prescription needs.

Recognizing that many beneficiaries are more comfortable communicating in their native language, Liberty Medicare serves a significant Russian-speaking community across the United States through bilingual advisors. They help clients understand complex Medicare decisions in Russian, making the process more accessible.

Expertise That Simplifies Complex Decisions

Long-term planning is central to Liberty Medicare’s advisory approach. Clients are encouraged to look beyond immediate costs and consider how today’s choices may affect future healthcare options.

For individuals choosing between Medicare Advantage and Medicare Supplement plans, Liberty Medicare explains how enrollment timing can influence future coverage options. One client wanted to reduce healthcare costs but was concerned about losing guaranteed access to a Medicare Supplement plan. Because his Medicare eligibility began in August, Liberty Medicare recommended that he enroll in a Medicare Advantage plan first. The client may switch to a stand-alone PDP plan during the Annual Enrollment Period and apply for a Medicare Supplement plan to be effective January 1. Because he is still within the six-month Medicare Supplement open enrollment window, he’ll be accepted without medical underwriting. This allowed the client to avoid medical underwriting, preserve future flexibility, and save money initially.

Building Trust Through Accessibility and Education

Liberty Medicare’s commitment to individualized service has earned the trust of its clients. Much of its growth has come through word-of-mouth referrals, reflecting relationships built on individual attention and trust.

Education is another cornerstone of Liberty Medicare’s approach. Its website features a comprehensive Medicare Library with resources covering Turning 65, Critical Medicare Decisions, Medicare Supplement, Medicare Advantage and DUAL plans, Part D and Extra Help, and Annual Enrollment and other enrollment periods. The materials are available in both English and Russian, helping beneficiaries better understand Medicare before choosing coverage.

As Medicare options continue to evolve, the need for clear, reliable guidance remains essential. Liberty Medicare’s ongoing support sets it apart, giving beneficiaries a trusted resource they can rely on as their healthcare needs and Medicare coverage evolve.

Contact: 877-657-7477