Dvir Mosche is an award-winning independent insurance agent and the founder of Palmetto Mutual, a trusted insurance brokerage specializing in Medicare, final expense, and senior benefits in North and South Carolina. Since entering the industry in 2017, he has been recognized multiple times as a top agent for his dedication to educating and assisting seniors in finding the right coverage. His mission is to simplify the process, provide honest, personalized guidance, and ensure every client gets coverage they can depend on for life.
đ§ What Is the Extra Help Program? If you’re on Medicare and worried about the cost of your prescriptions, the Extra Help Program might be just what you need. Also called the Low-Income Subsidy (LIS), this program is designed to help seniors save money on their Medicare Part D drug plan. Think of Extra Help…Read More
Introduction: Why Penalties Matter Medicare is supposed to help you, not surprise you with costly penalties. But sadly, many seniors donât find out theyâve made a mistake until itâs too late. đ At Palmetto Mutual, weâve seen it repeatedly: someone misses a deadline or signs up for the wrong part of Medicare, and suddenly theyâre…Read More
What Is IRMAA? (Definition & Overview) If you’re on Medicareâor about to beâyou might hear something called IRMAA. Donât worry, itâs not as scary as it sounds! Letâs break it down into plain English sentences. What Does IRMAA Mean? IRMAA stands for Income-Related Monthly Adjustment Amount. Whew, thatâs a mouthful! đ All it really means…Read More
đ What Are OTC and Grocery Allowance Benefits in Medicare? Some Medicare Advantage plans now have special cards that help you pay for food and health items. These are called OTC (Over-the-Counter) and Grocery Allowance cards. They work like a gift card and are loaded with monthly money to help you stay healthy and save…Read More
What Does Dual-Eligible Mean? Being dual-eligible means you have both Medicare and Medicaid. These two programs work together to help cover most or all of your health care costs. đ Medicare vs. Medicaid: Whatâs the Difference? Letâs keep it simple: So, Medicare is age-based (or disability-based), and Medicaid is income-based. When you qualify for both,…Read More
What Is Considered a Chronic Illness? A chronic illness is a health condition that lasts a long time, often for the rest of a personâs life. In Medicare, chronic illnesses are conditions that need ongoing treatment, care, and monitoring. They can make life more complicated and affect daily life. Some examples of chronic illnesses that…Read More
What Does Original Medicare Cover for Dental, Vision, and Hearing? If you have Original Medicare (Parts A and B), it helps with many things, such as doctor visits, hospital stays, and certain medical tests. However, the dental, vision, and hearing care rules are a little different. đ¤ Letâs take a closer look at whatâs covered and…Read More
đĄ Introduction: Why Youâre in the Right Place If youâre trying to figure out the best Medicare Supplement (Medigap) plans for 2025, youâve come to the right place. This guide was made just for youâto take the confusion out of Medicare and help you feel confident about your choices. At Palmetto Mutual, weâve sat down…Read More
What Is Medicare Part D and What Does It Cover? đ Medicare Part D is the part of Medicare that helps pay for prescription drugs. This includes both generic and brand-name medications. If you take medicine regularlyâfor high blood pressure, diabetes, or cholesterolâPart D can save you a lot of money. Hereâs the simple breakdown:…Read More
What Is Medicare Part C (Medicare Advantage)? đ¤ Medicare Part C, also called Medicare Advantage, is a type of Medicare health plan. It’s a simple way to get all your Medicare Part A (hospital) and Part B (doctor visits) benefits â but through a private insurance company instead of the government. Think of it like…Read More
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.