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Illuminating A Clear Future
Because insurance is better understood when
you have clarity
Our Partners
Our Offerings
Because No One Size Fits All — We Offer Tailored Coverage for Every Need.
Medicare Supplement Plan
Help cover the out-of-pocket costs that Original Medicare doesn’t pay — like copayments, coinsurance, and deductibles. These plans give you more predictable healthcare expenses and the freedom to see any doctor that accepts Medicare.
Medicare Advantage
Are all-in-one alternatives to Original Medicare. They include your hospital and medical coverage, and many plans offer extra benefits like dental, vision, hearing, and prescription drug coverage — often with low or no monthly premiums.
Final Expense Insurance
Enjoy flexible premiums and coverage with our Universal Life Insurance, offering long-term protection and potential cash value growth.
Speed Up Your Medicare Knowledge
Medicare has four parts (A, B, C, and D) and it can feel overwhelming when you're just getting started. The good news is you're not alone, we're here to make it simple.
Ready to see how it all works?
Grab Your Free Guide Now
Download our free, easy-to-follow guide to understand the differences between Parts A, B, C, and D—so you can make confident decisions about your healthcare coverage.
Our Mission
At Luma, we provide clear, caring, and reliable insurance solutions through a wide portfolio of offerings tailored to each client’s needs. We empower individuals and families through education, helping them make confident, informed decisions for a secure and brighter future.
Testimonials
"Luma made understanding my Medicare options easy. Their team was patient, and I felt confident in my decision. Highly recommend!"
— Maria G., 68
"Luma made understanding my Medicare options easy. Their team was patient, and I felt confident in my decision. Highly recommend!"
— Maria G., 68
Testimonials
"Switching my Medicare plan was simple with Luma. They explained everything clearly and found the best option for me!"
— John P., 72
"Luma’s team was professional and helpful. They guided me through my Medicare options with ease and care."
— Helen W., 66
"Luma’s team was professional and helpful. They guided me through my Medicare options with ease and care."
— Helen W., 66
Frequently Asked Questions
Do I need both Medicare Part A and Part B?
Yes—if you want full coverage for both hospital (Part A) and medical services (Part B). Most people get both when they turn 65 to avoid late penalties and gaps in coverage.
When can I enroll in Medicare?
Your Initial Enrollment Period is a 7-month window: 3 months before, the month of, and 3 months after your 65th birthday. You can also enroll later, but you may face penalties or limited options.
Does Medicare cover prescription drugs automatically?
Not with Original Medicare (Parts A and B). You’ll need to enroll in Part D for drug coverage, or choose a Medicare Advantage Plan that includes it.
How much does Medicare cost each month?
Part A is usually free for most people. Part B has a monthly premium (the standard amount can change yearly), and you may pay additional premiums for Part D, Supplement, or Advantage Plans depending on what you choose
Will Medicare cover all of my healthcare costs?
No—Medicare does not cover 100% of healthcare costs. You’ll still be responsible for deductibles, copays, and coinsurance. That’s why many people choose a Supplement Plan or a Medicare Advantage Plan to help with those costs.
Is dental, vision, or hearing covered by Medicare?
Original Medicare doesn’t cover routine dental, vision, or hearing services. Many Medicare Advantage Plans include these benefits.
Luma Insurances is not affiliated with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
Luma Insurances is not affiliated with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.