Senior Market Insurance Specialists
Specializing in Medicare Products & Solutions
Dan Calabrese is an independent insurance agent licensed and Medicare certified in New York. He specializes in the Senior Market, focusing on Medicare, Life Insurance and Long Term Care. Our unique agency understands how these health plans work and how different plans can help different peoples needs. We are caring and conscientious, treating our clients needs as if they were our own. We do not work for an insurance company; we work for you. We work on your side when you have a claim or just need help and will see that you are treated fairly.
Dan Calabrese is an independent insurance agent licensed and Medicare certified in New York. He specializes in the Senior Market, focusing on Medicare, Life Insurance and Long Term Care. Our unique agency understands how these health plans work and how different plans can help different peoples needs. We are caring and conscientious, treating our clients needs as if they were our own. We do not work for an insurance company; we work for you. We work on your side when you have a claim or just need help and will see that you are treated fairly.
Understanding The Senior Market
If you or someone you know is becoming eligible for Medicare, chances are you’re confused about what expenses it will cover, what you will be responsible for, and the choices of additional coverage that are available to help pay the difference.
Learn More About Our Senior Products By Reading the Articles Below:
The Life Insurance Solution To Long Term Care
May 8, 2014
By Dan Calabrese
Whenever I meet with someone to discuss long term care (LTC) insurance, chances are one of these questions will usually come up, “Dan, what if I never use this policy? I will have paid all those premiums for nothing.” Or, “I’m worried about the premium cost increasing, especially when I’m retired.” Both of these are valid questions. Even though the odds are that you will need some type of LTC either when you are older or even as the result of an injury or major surgery, you may be blessed and never require any care your entire life. Certainly, most of us believe it’s never going to happen to me. In regards to premiums increasing, it is a very real concern and we have been seeing increases from some insurance carriers on new and existing policies.
Let’s be honest, LTC is a subject that no one likes to face. After all, the thought of it happening to you is very depressing. But if it does happen to you or a family member it can be one of the most devastating events that occur in your life both emotionally and financially. So when you finally admit that you need to look at the possibility of facing this in the future, the questions mentioned above can be the stumbling blocks that prevent you from putting a plan together.
The rising costs of living are putting pressure on most of us. Insurance that we are required to have like auto, homeowners, and now healthcare are a monthly expense that we have to deal with right now. We believe LTC is long in the future and we’ll probably never need it at all, right? Wrong. Care could be in the future or it could happen next month and we have a far better chance of using that LTC policy than either the auto or homeowners.
A life insurance policy that combines long term care is the solution. Should you need LTC, you can tap into the death benefit amount of the policy. If you never require care in your life, the money is left to your beneficiaries. There is never a concern about the premium increasing because premiums generally do not increase on life insurance policies (term insurance is an exception as it is only meant to be held for a specific period of time).
Currently, policies that combine life and LTC fall into two categories:
1) Asset Based: These use a single premium deposit to purchase a much larger “pool” of LTC money with a life insurance benefit as well. Some insurance carriers provide a “Residual Death Benefit” so that a death benefit will be paid even if all of the LTC dollars have been used.
2) On going premium payment plans. These are more like traditional life plans with a chronic illness rider as an addition. Some carriers charge for the rider which then gives the insured access to the full death benefit amount for living care. Other carriers do not charge for the rider, but instead will discount the death benefit amount should payouts be needed for care. Of course, the balance on any death benefit dollars not used for care would be paid to the beneficiaries as well.
Obviously, there are a number of questions to be answered in putting together a plan for each person which is not meant to be explored here. The goal of this article was to show that you have an option to cover some or all of your long term care needs without the worry of paying into a plan that you will never use, or that will increase in cost at a time when you are less likely to be able to afford such an increase.
In the 2013 spring edition of this publication, we discussed the “Living Benefits” of life insurance. Should you ever need it in the near or distant future, being able to “tap into” the death benefit for your long term care needs just might prove to be the greatest living benefit of any life insurance policy.
Dan Calabrese is an independent life and health insurance agent who lives in the Town of Beekman with his wife and two daughters. He specializes in helping people become financially stable through the use of Life, Long Term Care, and Medicare Insurance products. 845-223-7924 www.calabreseins.com
May 8, 2014
By Dan Calabrese
Whenever I meet with someone to discuss long term care (LTC) insurance, chances are one of these questions will usually come up, “Dan, what if I never use this policy? I will have paid all those premiums for nothing.” Or, “I’m worried about the premium cost increasing, especially when I’m retired.” Both of these are valid questions. Even though the odds are that you will need some type of LTC either when you are older or even as the result of an injury or major surgery, you may be blessed and never require any care your entire life. Certainly, most of us believe it’s never going to happen to me. In regards to premiums increasing, it is a very real concern and we have been seeing increases from some insurance carriers on new and existing policies.
Let’s be honest, LTC is a subject that no one likes to face. After all, the thought of it happening to you is very depressing. But if it does happen to you or a family member it can be one of the most devastating events that occur in your life both emotionally and financially. So when you finally admit that you need to look at the possibility of facing this in the future, the questions mentioned above can be the stumbling blocks that prevent you from putting a plan together.
The rising costs of living are putting pressure on most of us. Insurance that we are required to have like auto, homeowners, and now healthcare are a monthly expense that we have to deal with right now. We believe LTC is long in the future and we’ll probably never need it at all, right? Wrong. Care could be in the future or it could happen next month and we have a far better chance of using that LTC policy than either the auto or homeowners.
A life insurance policy that combines long term care is the solution. Should you need LTC, you can tap into the death benefit amount of the policy. If you never require care in your life, the money is left to your beneficiaries. There is never a concern about the premium increasing because premiums generally do not increase on life insurance policies (term insurance is an exception as it is only meant to be held for a specific period of time).
Currently, policies that combine life and LTC fall into two categories:
1) Asset Based: These use a single premium deposit to purchase a much larger “pool” of LTC money with a life insurance benefit as well. Some insurance carriers provide a “Residual Death Benefit” so that a death benefit will be paid even if all of the LTC dollars have been used.
2) On going premium payment plans. These are more like traditional life plans with a chronic illness rider as an addition. Some carriers charge for the rider which then gives the insured access to the full death benefit amount for living care. Other carriers do not charge for the rider, but instead will discount the death benefit amount should payouts be needed for care. Of course, the balance on any death benefit dollars not used for care would be paid to the beneficiaries as well.
Obviously, there are a number of questions to be answered in putting together a plan for each person which is not meant to be explored here. The goal of this article was to show that you have an option to cover some or all of your long term care needs without the worry of paying into a plan that you will never use, or that will increase in cost at a time when you are less likely to be able to afford such an increase.
In the 2013 spring edition of this publication, we discussed the “Living Benefits” of life insurance. Should you ever need it in the near or distant future, being able to “tap into” the death benefit for your long term care needs just might prove to be the greatest living benefit of any life insurance policy.
Dan Calabrese is an independent life and health insurance agent who lives in the Town of Beekman with his wife and two daughters. He specializes in helping people become financially stable through the use of Life, Long Term Care, and Medicare Insurance products. 845-223-7924 www.calabreseins.com
MEDICARE – UNDERSTANDING THE PUZZLE
June 18, 2012
By Dan Calabrese
If you or someone you know is becoming eligible for Medicare, chances are you’re confused about what expenses it will cover, what you will be responsible for, and the choices of additional coverage that are available to help pay the difference. And correspondence from various insurance companies regarding their plans may be creating even more confusion. Should I have a Medigap plan? Which one? Is that the same as a Medicare Supplement (it is)? How about drug coverage? And what is Medicare Advantage? These and many more questions surely come to mind.
Let’s try to clear up some of the confusion. Medicare currently has four parts: 1) Part A is the Hospital (2) Part B is Medical (3) Part C is Medicare Advantage (4) Part D is prescription coverage. Parts A and B are sometimes referred to as Original Medicare. Currently, when you turn 65 you will get Part A automatically (assuming you have worked the required period of time). If you should enter a hospital, in 2012 you will be responsible for $1156 for up to 60 days as an inpatient. If your stay should continue past 60 days, you will be responsible for $289 per day from days 61 to 90. From days 91-150 your costs are $578 per day. Should you require inpatient skilled care after the hospital, you will have up to 100 days of coverage. The first 20 days are paid in full by Medicare. Days 21-100 leave you with $144.50 per day. There are other charges you are responsible for as well in part A. Please note that Medicare will not cover long term care coverage should you require it.
Medicare Part B is optional, but you will want it if you need coverage outside the hospital (such as doctor visits). There is a cost for it. Many people will pay $99.90 per month per person, although you could pay more depending on your income. In 2012, there is a $140 deductible. After that Medicare will pay 80% of the approved amount and you will be responsible for 20% and any additional charges (known as Part B excess).
There are Medigap/Supplement policies that will pay what costs A and B do not in varying degrees depending on your budget and what you are comfortable with.
Medicare part D is a prescription plan that will help to cover the costs of any medications you are taking. Plans vary from each insurance company regarding their formulary of medications, tier/cost structure, monthly premium and whether or not they have an annual deductible. As with a medigap plan, you are under no obligation to go into a part D plan. However, unlike medigap, if you decide not to take a part D when you are eligible, should you elect to enter one in the future, there will be a penalty you will be subjected to for as long as you remain in that or any other prescription plan. There is also the dreaded Coverage Gap or Donut Hole. We don’t have time to detail it here, but it is something you should become familiar with and determine if you will be subject to it or not.
You may be wondering why I skipped Medicare Part C – it’s not because I learned the order of the alphabet incorrectly in grade school, but because Part C or Medicare Advantage works in a somewhat different way. These plans are provided by private insurance companies that are approved by Medicare. Medicare pays them a fee and in turn the company will pay the doctors or hospitals should you have a claim. You will have co-pays for most of the services, however most plans will provide zero co-pays for many preventative services (yearly physicals, bone mass measurements, etc.). Some plans may also include some dental and eye glass coverage and even gym memberships (Silver Sneakers). Most of these plans will also include a prescription plan so they have essentially put Medicare A, B and D into one package. In the Hudson Valley area, two of the most common plan structures are either HMO’s (Health Maintenance organization) or PPO’s (Preferred Provider Organization). An HMO has a network of providers in a service area and generally you must stay in that network to get covered services, except in an emergency. A PPO also has a provider network in a service area, but you have more freedom to go outside the network for a higher cost and you may give up some of those zero co-pay preventative services if you do so.
When selecting coverage for yourself, the “best” plan is the one that’s best for you and not necessarily the one your neighbor has. Your past and current health, medications you may be taking and monthly budget need to all be considered. Ultimately, the best plan for you is the one that will allow you to sleep at night.
Author’s Note: Please be advised this article is only meant to serve as an overview, therefore every detail of every part of Medicare cannot be wholly covered in this space.
Dan Calabrese is an independent life and health insurance agent who lives in LaGrangeville with his wife and two daughters. He specializes in Medicare and long term care as well as life insurance and represents most of the major as well as smaller insurance carriers in the area. You may contact him at 845-223-7924.
June 18, 2012
By Dan Calabrese
If you or someone you know is becoming eligible for Medicare, chances are you’re confused about what expenses it will cover, what you will be responsible for, and the choices of additional coverage that are available to help pay the difference. And correspondence from various insurance companies regarding their plans may be creating even more confusion. Should I have a Medigap plan? Which one? Is that the same as a Medicare Supplement (it is)? How about drug coverage? And what is Medicare Advantage? These and many more questions surely come to mind.
Let’s try to clear up some of the confusion. Medicare currently has four parts: 1) Part A is the Hospital (2) Part B is Medical (3) Part C is Medicare Advantage (4) Part D is prescription coverage. Parts A and B are sometimes referred to as Original Medicare. Currently, when you turn 65 you will get Part A automatically (assuming you have worked the required period of time). If you should enter a hospital, in 2012 you will be responsible for $1156 for up to 60 days as an inpatient. If your stay should continue past 60 days, you will be responsible for $289 per day from days 61 to 90. From days 91-150 your costs are $578 per day. Should you require inpatient skilled care after the hospital, you will have up to 100 days of coverage. The first 20 days are paid in full by Medicare. Days 21-100 leave you with $144.50 per day. There are other charges you are responsible for as well in part A. Please note that Medicare will not cover long term care coverage should you require it.
Medicare Part B is optional, but you will want it if you need coverage outside the hospital (such as doctor visits). There is a cost for it. Many people will pay $99.90 per month per person, although you could pay more depending on your income. In 2012, there is a $140 deductible. After that Medicare will pay 80% of the approved amount and you will be responsible for 20% and any additional charges (known as Part B excess).
There are Medigap/Supplement policies that will pay what costs A and B do not in varying degrees depending on your budget and what you are comfortable with.
Medicare part D is a prescription plan that will help to cover the costs of any medications you are taking. Plans vary from each insurance company regarding their formulary of medications, tier/cost structure, monthly premium and whether or not they have an annual deductible. As with a medigap plan, you are under no obligation to go into a part D plan. However, unlike medigap, if you decide not to take a part D when you are eligible, should you elect to enter one in the future, there will be a penalty you will be subjected to for as long as you remain in that or any other prescription plan. There is also the dreaded Coverage Gap or Donut Hole. We don’t have time to detail it here, but it is something you should become familiar with and determine if you will be subject to it or not.
You may be wondering why I skipped Medicare Part C – it’s not because I learned the order of the alphabet incorrectly in grade school, but because Part C or Medicare Advantage works in a somewhat different way. These plans are provided by private insurance companies that are approved by Medicare. Medicare pays them a fee and in turn the company will pay the doctors or hospitals should you have a claim. You will have co-pays for most of the services, however most plans will provide zero co-pays for many preventative services (yearly physicals, bone mass measurements, etc.). Some plans may also include some dental and eye glass coverage and even gym memberships (Silver Sneakers). Most of these plans will also include a prescription plan so they have essentially put Medicare A, B and D into one package. In the Hudson Valley area, two of the most common plan structures are either HMO’s (Health Maintenance organization) or PPO’s (Preferred Provider Organization). An HMO has a network of providers in a service area and generally you must stay in that network to get covered services, except in an emergency. A PPO also has a provider network in a service area, but you have more freedom to go outside the network for a higher cost and you may give up some of those zero co-pay preventative services if you do so.
When selecting coverage for yourself, the “best” plan is the one that’s best for you and not necessarily the one your neighbor has. Your past and current health, medications you may be taking and monthly budget need to all be considered. Ultimately, the best plan for you is the one that will allow you to sleep at night.
Author’s Note: Please be advised this article is only meant to serve as an overview, therefore every detail of every part of Medicare cannot be wholly covered in this space.
Dan Calabrese is an independent life and health insurance agent who lives in LaGrangeville with his wife and two daughters. He specializes in Medicare and long term care as well as life insurance and represents most of the major as well as smaller insurance carriers in the area. You may contact him at 845-223-7924.
WHOLE LIFE INSURANCE – THE LIVING BENEFITS
April 22, 2013
By Dan Calabrese
When the average person thinks about purchasing life insurance the goal in mind is generally to protect his or her loved ones in the event of that person’s death. That protection can be as extensive as making sure that costs like the mortgage, children’s education and general living expenses will be taken care after they’re gone. Likewise, it could be as simple as covering the costs of one’s funeral expenses. The goal might be different from person to person, but the underlining theme is pretty much the same: most people believe that their life insurance policy will benefit their survivors. The policy owner will have peace of mind, but not receive any direct financial benefit. However, there can be a number of “living benefits” for the policy owner with certain life insurance policies.
First let’s take a look at the two types of life insurance: term and permanent. Term insurance provides coverage for a specific period of time. These periods of coverage can span up to 30 years of “level” coverage, which means that the premium payment will remain the same during that specified time. After that level period ends, the insurance will probably cost too much to keep in force. Permanent insurance is meant to stay in force for the entire life of the insured. Both types of insurance will pay a death benefit, but it is the permanent life insurance that has the ability to offer the owner so many more additional benefits if it is structured correctly.
Unfortunately, over the years, many people have been led to believe that buying term insurance and “investing the difference” is in their best interest. Several financial “entertainers” have led many to believe that Whole Life Insurance is an overpriced way to buy life insurance. Even life insurance agents sometimes will not, for whatever reason, explore all the benefits of whole life insurance with potential clients. This lack of information has led many to believe that life insurance is little more than a necessary expense as opposed to an investment in themselves.
There are a number of permanent life insurance products that are available today. The one I am referencing here is permanent, participating whole life. Participating insurance pays a dividend to the policy owner. This insurance policy will work best if taken out with a mutual company. Mutual companies are not publicly traded entities; instead the company is owned by the policy holders. It is interesting to note that while the dividend mentioned earlier is not guaranteed, many mutual companies have been paying dividends every year to their policy holders for over one hundred years, even during The Great Depression. These dividends, along with the premium payments, will help to increase not only the death benefit, but the cash value in the policy as well. Also, by using a “Paid Up Additions Rider”, the policy owner can increase the amount of money put into the policy. This will create a compounding effect on the death benefit and the cash value which will multiply the dividend benefit paid by the mutual insurance company.
So what are some of the “living benefits” available to the policy holder with this type of insurance? A partial list would include:
Of course, you could use the cash value built up in time to finance whatever you wish, including a child’s college education. An even better strategy would be to purchase this type of whole life policy for a child when they were very young, which if properly designed could not only help to fund a college education, but serve as a financial vehicle for the entire life of the child and even provide an income for that child in retirement. The death benefit then creates a tax free legacy for the next generation.
Unfortunately, it would be impossible in an article of this length to fully discuss the benefits and structure of this type of policy. If this subject has lit a spark of interest, I would strongly recommend you read “A Path To Financial Peace of Mind” by Dwayne Burnell. If you would rather learn more without reading an entire book on the subject, you can watch several videos, each about five minutes or so in length at: www.infinitebanking.org.
Beyond that material, you will need someone to help you put this information together for you so that you can use it in your life.
Dan Calabrese is an independent life and health insurance agent who lives in LaGrangeville with his wife and two daughters. He specializes in helping people become financially stable through the use of Life, Long Term Care, and Medicare Insurance products. You may contact him at 845-223-7924.
April 22, 2013
By Dan Calabrese
When the average person thinks about purchasing life insurance the goal in mind is generally to protect his or her loved ones in the event of that person’s death. That protection can be as extensive as making sure that costs like the mortgage, children’s education and general living expenses will be taken care after they’re gone. Likewise, it could be as simple as covering the costs of one’s funeral expenses. The goal might be different from person to person, but the underlining theme is pretty much the same: most people believe that their life insurance policy will benefit their survivors. The policy owner will have peace of mind, but not receive any direct financial benefit. However, there can be a number of “living benefits” for the policy owner with certain life insurance policies.
First let’s take a look at the two types of life insurance: term and permanent. Term insurance provides coverage for a specific period of time. These periods of coverage can span up to 30 years of “level” coverage, which means that the premium payment will remain the same during that specified time. After that level period ends, the insurance will probably cost too much to keep in force. Permanent insurance is meant to stay in force for the entire life of the insured. Both types of insurance will pay a death benefit, but it is the permanent life insurance that has the ability to offer the owner so many more additional benefits if it is structured correctly.
Unfortunately, over the years, many people have been led to believe that buying term insurance and “investing the difference” is in their best interest. Several financial “entertainers” have led many to believe that Whole Life Insurance is an overpriced way to buy life insurance. Even life insurance agents sometimes will not, for whatever reason, explore all the benefits of whole life insurance with potential clients. This lack of information has led many to believe that life insurance is little more than a necessary expense as opposed to an investment in themselves.
There are a number of permanent life insurance products that are available today. The one I am referencing here is permanent, participating whole life. Participating insurance pays a dividend to the policy owner. This insurance policy will work best if taken out with a mutual company. Mutual companies are not publicly traded entities; instead the company is owned by the policy holders. It is interesting to note that while the dividend mentioned earlier is not guaranteed, many mutual companies have been paying dividends every year to their policy holders for over one hundred years, even during The Great Depression. These dividends, along with the premium payments, will help to increase not only the death benefit, but the cash value in the policy as well. Also, by using a “Paid Up Additions Rider”, the policy owner can increase the amount of money put into the policy. This will create a compounding effect on the death benefit and the cash value which will multiply the dividend benefit paid by the mutual insurance company.
So what are some of the “living benefits” available to the policy holder with this type of insurance? A partial list would include:
- Guaranteed cash accumulation
- Liquidity and control of your money
- Access to credit
- Reduced interest paid to others
- Predictable results
- Insurance for life
- Creditor proof in certain states
- No government involvement, unlike 401k plans
Of course, you could use the cash value built up in time to finance whatever you wish, including a child’s college education. An even better strategy would be to purchase this type of whole life policy for a child when they were very young, which if properly designed could not only help to fund a college education, but serve as a financial vehicle for the entire life of the child and even provide an income for that child in retirement. The death benefit then creates a tax free legacy for the next generation.
Unfortunately, it would be impossible in an article of this length to fully discuss the benefits and structure of this type of policy. If this subject has lit a spark of interest, I would strongly recommend you read “A Path To Financial Peace of Mind” by Dwayne Burnell. If you would rather learn more without reading an entire book on the subject, you can watch several videos, each about five minutes or so in length at: www.infinitebanking.org.
Beyond that material, you will need someone to help you put this information together for you so that you can use it in your life.
Dan Calabrese is an independent life and health insurance agent who lives in LaGrangeville with his wife and two daughters. He specializes in helping people become financially stable through the use of Life, Long Term Care, and Medicare Insurance products. You may contact him at 845-223-7924.
LONG TERM CARE – THE MYTHS AND THE REALITIES
August 18, 2012 By Dan Calabrese
One of the most popular topics in health care today, especially with Baby Boomers, is long-term care (LTC). I speak with many people who are interested in LTC insurance, but have a number of misconceptions about this type of insurance and LTC in general.
Before we discuss some of what these are, let’s define what long-term care insurance is. LTCI covers a wide range of services for people who need help with the “activities of daily living” (ADLs) such as eating, dressing, bathing, toileting and transferring (getting in and out of bed for example). It may also be due to a cognitive impairment resulting from a stroke, Alzheimer’s disease, or a similar condition. Levels of care can range from simply custodial help up to some skilled care.
Let’s look at some of the myths of this subject and see how they compare to the realities:
1) Myth: I’m healthy; I’ll never need long-term care.
Reality: Hopefully you are right, but the truth is that there is more of a chance you will. It is estimated that 70% of people who live to age 65 will require some form of LTC in their life.
2) Myth: Long Term Care is for older people. I have plenty of time before needing to think about it.
Reality: While it’s true the older you get the greater the possibility of needing LTC, it is also true that you may require care at any time in your life due to an accident or an illness, like a stroke.
3) Myth: My Medicare coverage will take care of any LTC which I may require.
Reality: Medicare is a major-medical-style health plan, and is aimed at “skilled care,” which means they are trying to make you well or restore you in some way; it does not address long-term care needs, which are “custodial care,” that care delivered when you are not getting better, and they are mostly making you comfortable.
The most Medicare will cover is up to 100 days in a skilled care facility, and again, that is with an aim to rehabilitate you. After that you are on your own.
4) Myth: Medicaid will take care of me should I need help with LTC.
Reality: If you meet the financial requirement, which means you are at the poverty level recognized by the state, you might qualify. If you have assets, then you will have to spend them down before Medicaid will help. If you are thinking of transferring those assets to your children to protect them, you should be aware there is a five-year look back period (up from three years not long ago) that Medicaid will review. Should you want LTC assistance from Medicaid within that look back period, it is for certain that Medicaid will go after what was transferred and due them.
My own thoughts on this are that as New York (and many other states) is dealing with an enormous budget deficit, I would be less likely to count on them in the future for any help addressing our long-term care needs.
5) Myth: I can pay for the cost of LTC out of my own funds.
Reality: Perhaps some people can afford to pay for the costs of care, but is spending your assets on this the smartest use of your funds? Are you, your CPA, or your attorney underestimating what care could really cost? Do you have family members, friends, or charities that you would prefer to leave your assets to?
6) Myth: Should I need help, my children or some other family members will take care of me.
Reality: Of course your children want to help you and do anything they can for you. Unfortunately, circumstances may not allow them to. They may have their own family, and they may not even be living anywhere near you when care becomes necessary. You must also consider the physical and emotional strain this type of daily care would put on family members. Furthermore, there is the question of dignity; do you want your son or daughter bathing and dressing you?
7) Myth: Long-term care insurance is expensive.
Reality: The cost of LTC insurance really depends on many variables: the dollar benefit amount, how long the benefit period will be, if there is an elimination period and how long that is until the policy kicks in, inflation protection or any other riders that you build into the policy, your age and health when taking out the policy and several other factors. The bottom line is that you have a fair amount of control in determining what a policy will cost you, and it is important to not let the “perfect become the enemy of the good.”
In the end, it makes sense to have a discussion with family members regarding this important topic. While this may not be a pleasant subject to have to deal with, it is one that should not be put off. For unbiased help in learning more, please visit www.longtermcare.gov.
Dan Calabrese is an independent life and health insurance agent who lives in LaGrangeville with his wife and two daughters. He specializes in Medicare and long term care as well as life insurance and represents most of the major as well as smaller insurance carriers in the area. You may contact him at 845-223-7924.
