Beacon Financial Group, Inc. was founded in October of 1994 and has had a Medicare Division since 1998. In July of 2009, this Medicare Division was spun out into its own company under the name of Beacon Retiree Benefits Group.
Darcy Caslin has been running the Medicare Division since inception and is the President and Owner of Beacon Retiree Benefits Group, retaining all team members from this division and all clients as well. Beacon Retiree Benefits Group services the daily needs of over 10,000 Medicare beneficiaries, many of whom are from some of Connecticut’s largest employers such as the Electric Boat Division of General Dynamics and the City of Bridgeport.
It has taken a long time but we have developed an approach and method of communication that has helped make this complicated matter interesting and easier to understand, empowering our customers to make the right decisions that are most appropriate for their health care needs. We have guided thousands of seniors, assisting them in demystifying Medicare, leading them to a greater understanding of their benefit options and the costs associated with each of the various alternatives.
Towards that end, we opened an office in Plantsville, CT that is dedicated to serving the daily needs of our Medicare population. We have built and staffed the Plantsville office for the sole purpose of providing a “human resources” department for our Medicare customers who would otherwise have no one else to call for help. Let’s face it, in most cases, once you are retired and no longer part of the active benefit plan at your former employer, you are generally on your own to figure things out regarding benefits and plans that are far more complicated than any you may have had while employed or covered through a spouse.
By allowing us to be your guide and advocate during your decision-making process and throughout the year, you incur no expense in working with us other than the same premiums you would be paying by working directly with an insurance company. This is because the insurance companies engaged in providing Medicare alternatives recognize your need for guidance and support and the value of partnering with reputable and trained firms that improve the quality of your experience as their customers too.
Our commitment to you is to help you understand the basics of traditional Medicare Parts A & B and why there is usually a need to supplement that coverage based on a review of the coverage gaps. We will explain to you how supplementary and replacement options such as pure Medigap (Medicare Supplement) plans, Medicare Advantage Plans (Medicare HMOs, Medicare POS plans and Medicare Private Fee for Service plans) work, as well as their pros and cons with respect to price, benefits, geographical restrictions and ease of administration. We will also provide you with an understanding of Medicare Part D plans and show you how to select the plan most appropriate for your prescription drug needs.
What you gain in working with us, aside from this understanding, is the ongoing dedicated service and support on which we have built our reputation. Our team of experts has been carefully selected and trained to handle the unique needs of the senior community. We take great pride in what we do and in working for our customers.
Our Retiree Benefit Specialists will be available to you during the course of the year as well as during enrollment periods not only to assist you with choosing the plan that is best for you, but with any and all concerns or obstacles you might have along the way including benefit questions, prescription drug formulary issues, medical claim problems and everything in between. Every solution and recommendation is backed by personalized, kind and courteous assistance provided by our staff of experienced professionals that truly care about your ongoing satisfaction day after day and year after year.
As independent brokers, we are not employed by any insurance company. This allows us to truly work for you as your personal advocate, providing you with understanding of your benefits, listening to your present concerns and needs, and guiding you objectively to the best Medicare coverage solution at no additional cost to you. Whether you enroll through our firm or directly with an insurance company, your premiums are the same.