Helping You Find Medicare and Insurance Solutions that Meet Your Needs

   Medicare

  Life

  Retirement Planning

  Annuities

   Personal

   Business

  Benefits

Stanley Dean, CLU, Insurance & Financial Services is your trusted, go-to source for your insurance needs.

About Stanley Dean, CLU, Insurance & Financial Services

106 E. Park Street, #109, McCall, ID 83638

8620 W. Emerald St, Suite 130, Boise, ID 83638

Making life and your insurance simple is what we’ve been focused on from the beginning. Stanley Dean, CLU brings 60 years of experience to serve your needs and help you find insurance that meets your needs and budget. We are ready and able to help you navigate the murky waters of insurance.

As your independent insurance agency, we are by your side for the long haul. We only work with trustworthy insurance companies and care about the value their plans provide. We are also driven to serve your needs by answering your questions, being available for you, providing honest advice, and educating you in making an informed decision. We have brought together a team of agents who each focus on your individual insurance needs—each bringing specific knowledge in their specialty.

“Stan provides top-notched service to his clients, which is demonstrated by his extensive knowledge and generations of experience provided to thousands of customers.”

Patricia R.

Finding Insurance You Can Trust Starts Here

Stanley Dean, CLU, Insurance & Financial Services focuses on offering Medicare and personal insurance solutions, as well as business insurance and employee benefits solutions to help you protect what matters most.

Medicare

Personal Insurance

Helping You Navigate Medicare and Personal Insurance

We are dedicated to helping you find Medicare plans and insurance solutions that meet your unique needs and budget. Here are some of the main services we can help you with.

General Medicare

Medicare Advantage

Medicare Part D

Life

Retirement Planning

Annuities

Business Insurance

Employee Benefits

We’re Here for You

Have questions about Medicare or insurance? We invite you to call, email, contact us online, or visit our McCall, ID or Boise, ID office for service in AZ, CA, ID, MT, NV, OR, UT, and WA. We are happy to help guide you in finding insurance that meets your needs and budget.

Our Client Trust Us

Read our client reviews to see why others continue to put their trust in us.

“I have used Stan Dean as a consultant of best Medicare Advantage plans for years. He is very good and very helpful. He is licensed in many states so can help those moving in or out of our community.”

Tony N.

“Stanley Dean has been taking care of my insurance for over 17 years. I am very satisfied with his professionalism and his willingness to explain the best options available to fit my needs.”

Donna H.

Manage Your Policies

Already a client of Stanley Dean, CLU, Insurance & Financial Services? Visit our Service Center to make requests and manage your insurance.

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When you’re retired, unable to work due to disability, or have end-stage renal disease, your options for health coverage become much more limited. Medicare is available to most people aged 65 or older who have paid Medicare taxes while working, as well as some younger people with disabilities or end-stage renal disease. The program is currently administered by the Centers for Medicare and Medicaid Services.

Perhaps one of the more surprising and often confusing things about Medicare is that it’s divided into four parts, and each part covers something different. The different parts of Medicare are Part A, Part B, Part C (Medicare Advantage), and Part D. Medicare Parts A and B are sometimes referred to as Original Medicare. Your health needs will help determine which parts you need or qualify for.

Medicare Part A covers many hospital-related expenses. These could include hospital stays, hospice, stays in a psychiatric facility, and even home health care in some instances. However, it’s important to note that there are limitations on some of the coverages, such as psychiatric care and long-term care.

You become eligible to enroll in Medicare at 65 and must enroll during specific enrollment windows. Part A is available at no cost to individuals and their spouses who have paid Medicare taxes for at least ten years. Those who cannot receive it free may be eligible for Part A coverage and pay a premium for it. Medicare Part A will pay a portion of the costs associated with a hospital stay, but there are limits and caps to that coverage based on factors like your length of stay and the treatments you receive.

Medicare Part B is perhaps easiest to understand as the opposite of Part A. It covers many medical expenses that are not associated with hospital stays, including doctor visits, some outpatient care, and more. For instance, Medicare Part B can cover ambulance rides, vaccines, and certain health screenings. Similar to Part A, there are limitations on certain coverages to take note of.

Unlike Part A, Part B requires you to pay a premium, and enrollment in the program is voluntary. Enrollment for Part B typically coincides with Part A, but you must still enroll during specific windows. Part B can cover some of the costs associated with diagnosis, treatment, and preventative care. Similar to private insurance, most preventative services are provided at no cost. However, many other services are typically subject to a deductible and coinsurance.

Also known as Medicare Advantage, Medicare Part C plans are often considered the alternative to Original Medicare. You need both Medicare Parts A and B to join a Medicare Advantage plan. Medicare Part C usually has the same rules as Medicare Parts A and B, but their out-of-pocket costs may differ, and you may have to seek different avenues for care than you would under Original Medicare. Unlike Medicare Parts A and B, Part C can sometimes offer prescription drug coverage.

If you have both Medicare Part A and Part B, you could enroll in Medicare Part D as an optional coverage through a private insurance company. Part D helps to cover some of the costs associated with prescription medication. Similar to private health insurance, the price of your prescriptions depends on a number of factors, including the formulary, the “tier” your drug falls under, the pharmacy you use, and more. You’ll pay a premium for this coverage, and charges will be subject to a deductible and coinsurance. After a certain amount is spent, you may enter the coverage gap, or “donut hole,” where the plan won’t pay any benefits. If you incur significant expenses, you may get past this gap and move into “catastrophic coverage,” where you’ll pay very little for your prescriptions.

While it may seem like Medicare covers many of your medical needs, there are some things that it doesn’t. For instance, dental, vision, and hearing visits and treatments are typically not covered. Long-term custodial care is also not covered. These health expenses would need to be paid out-of-pocket or via a supplemental insurance policy. In addition, if you’re interested in any cosmetic medical procedures or procedures outside of the US, those typically aren’t covered either.

Medicare supplement plans, also known as Medigap, are optional coverage plans available to individuals who have both Medicare Parts A and B who want to supplement their Medicare coverage. These supplement plans can help cover more of the out-of-pocket costs of your health expenses, including copayments, coinsurance, and deductibles. However, as of 2006, Medigap plans do not provide prescription drug coverage and often don’t cover long-term care, hearing, dental, or vision-related expenses

Funerals and other end-of-life expenses can be significant, costing your loved ones a lot of money. Unfortunately, Medicare only covers medically-necessary expenses, meaning those needed to diagnose or treat a condition or illness, and funerals don’t fall into that category. That’s where final expense insurance comes in. You can typically get a plan for a relatively low cost without a medical exam. Final expense insurance isn’t part of Medicare, but it can help cover expenses such as embalming, cremation, hearse fees, and more that Medicare does not cover.

Even though Medicare Part A and Medicare Advantage provide coverage for many of your hospital stay expenses, you are still responsible for some out-of-pocket costs, which can add up quickly. A hospital indemnity plan can help supplement your Medicare Part A or Medicare Advantage coverage. Although these plans will differ from one company to another, they often provide a cash benefit for every day you are in the hospital within your chosen benefit period, which can help cover the out-of-pocket costs you incur.

Unfortunately, Medicare plans only cover expenses that are considered medically necessary. That means most of your dental, vision, and hearing needs—including dental exams and procedures, vision exams and glasses, and hearing aids, for example—are not covered under Medicare, and only a handful of Medicare Advantage plans may provide this kind of coverage. You’ll need to turn to standalone plans offered by private insurance companies to fill the gaps in your Medicare plan. You can often find plans where these policies are bundled together, or you can choose to get separate plans.

The Affordable Care Act (ACA) and short-term medical plans may offer you the health coverage you need. ACA differs from short-term medical insurance, so it’s important to consider your needs when choosing between the two. ACA is subject to federal regulations that mandate minimum coverage, and you can’t be turned away because of a pre-existing condition, which can result in higher premiums. Short-term medical plans typically have lower premiums, but they have more limitations on your coverage, and you can be turned away based on your health.

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About Stanley Dean, CLU, Insurance & Financial Services

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Our McCall, ID Office

Our Boise, ID Office

 800-964-3326 toll-free  208-634-3069 local stan@standean.com 208-634-3613 fax

We are licensed in AZ, CA, ID, MT, NV, OR, UT, and WA.

CA License #0301088

Experience the Value of an Independent Agency

At Stanley Dean, CLU, Insurance & Financial Services, you are our sole focus. Our mission: to help clients like you find a plan that fits your unique insurance needs and budget.

Disclaimer: Plans are insured or covered by a Medicare Advantage (HMO< PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Par D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan in your area. Please contact Medicare.gov or 1-800-Medicare to get information on all your options.

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