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Privacy Policy
At Luma, your privacy is important to us. This Privacy Policy explains how we collect, use, and protect your information when you visit our website or interact with our services.
1. Information We Collect
We may collect the following:
Personal Information: Name, phone number, email address, ZIP code, and Medicare eligibility status.
Automatically Collected Info: IP address, browser type, device information, and browsing behavior through cookies or analytics tools.
2. How We Use Your Information
Your information may be used to:
Contact you about Medicare plans or insurance services
Respond to your inquiries
Send updates, reminders, or promotional messages (only if consent was given)Improve our website and service offerings
3. Sharing Your Information
We do not sell your personal information. We may share your data with:
Licensed insurance agents or affiliates assisting with your inquiry
Technology platforms used to deliver services (e.g., email/SMS providers)
Regulatory agencies if required by law
4. Your Choices
You can opt out of marketing emails by clicking “unsubscribe.” You may stop text messages by replying STOP to any SMS.
5. Security
We take reasonable steps to protect your personal information. However, no system can be guaranteed 100% secure.
6. Third-Party Links
Our website may include links to external websites. We are not responsible for the privacy practices of those sites.
7. Children’s Privacy
Our services are not intended for individuals under the age of 18.
8. Updates
We may update this Privacy Policy periodically. Changes will be posted on this page with a new effective date.
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.