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Jose Lerma

Jose has been a career agent working with Empower Brokerage since 2021 helping clients from all walks of life find tailored solutions for their healthcare needs. He is passionate about helping people fulfill their dreams and helping clients live a more empowered existence. 

Do I Need a Medicare Supplement If I Already Have Medicare?

May 4, 2026 by Jose Lerma
Senior couple sitting on a cozy sofa, smiling and laughing together as they discuss Medicare and possible supplement coverage.

Do I Need a Medicare Supplement If I Already Have Medicare? If you’ve recently enrolled in Medicare, or you’ve had it for a while and … Read more

Tags Insurance Education, medicare, Medicare Costs, Medicare Supplement, Medigap

6 Medicare Supplement FAQs

January 12, 2026 by Jose Lerma
6 faqs about medicare supplement

Turning 65 is an awesome feat and a significant rite of passage. However, it also marks your entry into the world of Medicare coverage. This … Read more

Tags Medicare Supplement, Medigap, Plan F, Plan G

What is the Medicare Prescription Payment Plan?

February 3, 2025 by Jose Lerma
The Medicare Prescription Payment Plan can be beneficial in lowering your upfront costs.

The Medicare Prescription Payment Plan is a new initiative designed to help Medicare beneficiaries manage the cost of their prescription medications. This plan, introduced in … Read more

Tags Medicare Costs, medicare prescription payment plan, prescription drug coverage, Prescription drugs

Is Medicare Supplement Plan N Right For You?

October 14, 2024 by Jose Lerma
Older man with glasses wondering if Plan N is right for him.

Medicare Supplement Plan N is one of several Medigap plans designed to help cover the out-of-pocket costs associated with Original Medicare (Parts A and B). … Read more

Tags Enrollment Period, Medigap, Part A, Part B, Plan N

Medicare and Medicaid Plans – Dual Special Needs

June 24, 2024 by Jose Lerma
Grandmother and granddaughter having an engaging conversation while baking cookies together in a bright, modern kitchen.

Healthcare can be like navigating a maze, especially for older adults and those with chronic illnesses. Imagine juggling different doctors and clinics, each with its … Read more

Tags Medicaid, Medicare Advantage, medicare benefits, Medicare Costs

What is Medicare Supplement Plan G?

March 4, 2024 by Jose Lerma
Medicare Supplement Plan G provides coverage to fill in the "gaps" of Original Medicare.

Medicare Supplement Plan G: Comprehensive Overview Medicare Supplement Plan G stands as a significant option for those enrolled in Medicare, offering extensive coverage beyond Original … Read more

Tags medicare, medicare benefits, Medicare Costs, Medicare Coverage, Medicare Supplement

Cybersecurity Tips for Seniors

July 16, 2025January 1, 2024 by Jose Lerma
By staying informed and cautious, seniors can use cybersecurity to confidently and securely navigate the digital world, reaping its benefits while minimizing risks.

In the age of iPhones and iPads, AI, and Alexa, cybersecurity has never been more important, especially for seniors. The rampant growth of the use … Read more

Tags Cyber Security, health & safety, Scamming & Fraud, Technology

Medicare Expands Coverage for Power Wheelchair Users

July 1, 2025August 7, 2023 by Jose Lerma
A group of people read an article mentioning "medicare expands coverage for wheelchair users."

In a monumental shift toward greater inclusivity and healthcare support for individuals with mobility issues, the Centers for Medicare & Medicaid Services recently announced a … Read more

Tags medicare, Medicare Advantage, senior lifestyle, wellness

Technology and Social Life

July 8, 2025July 17, 2023 by Jose Lerma
Technology and social life seem to be intertwined in our lives for both good and bad.

We have all heard the good and the bad about technology. Modern technology is shaping our lives excitingly and alarmingly. With the advent of the … Read more

Tags current events, health, mental health, Technology

The Science of Longevity

June 24, 2025June 19, 2023 by Jose Lerma
Social connection is one of the most important factors that affect longevity.

As we age, the question of how long we will live and of our own mortal longevity becomes increasingly significant. It begins to pique our … Read more

Tags Aging Gracefully, aging statistics, health, health & safety
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