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About Us
At Luma, we believe peace of mind starts with clarity, compassion, and trust. Navigating Medicare can feel overwhelming, but you don’t have to do it alone. We take a fiduciary approach to every conversations. This means we always put your needs first.
As a family-run agency, we’ve built Luma on one simple principle: treat every client like family. That means honest advice, local expertise, and the kind of support that makes you feel listened to and taken care of.
We specialize in helping people right here in your area, keeping up with the latest plans, providers, and benefits available locally. Whether you’re turning 65, reviewing your current Medicare plan, or planning ahead with Final Expense coverage, we take the time to explain your options clearly and carefully so you can make confident decisions.
With a wide portfolio of trusted carriers and years of experience, we offer plans that include Medicare Advantage, Medicare Supplement Plans, Prescription Drug Plans, and Final Expense insurance — all tailored to your personal needs and budget.
There is never a charge to speak or meet with us.
At Luma, we’re here to illuminate your path to better coverage, greater savings, and long-term peace of mind — as your trusted fiduciary in health and retirement planning.
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.