Navigating medicare with ease & absolute clarity
Medicare doesn't have to be confusing. Chris Pallas guides you step-by-step through enrollment windows, plan options, and supplemental coverage to ensure seamless protection.
Demystifying Medicare complexities since 1985
Turning 65 or looking to refine your current Medicare coverage? Chris Pallas specializes in breaking down each component of Medicare so you can select the coverage that aligns precisely with your healthcare needs, trusted physicians, and budget.
Understanding the parts of Medicare
At Mally Financial Services, we simplify each section of Medicare so you can select the coverage combination that maximizes benefits while keeping out-of-pocket costs predictable.
Did you know?
Missing your Initial Enrollment Period (IEP) can result in permanent lifetime penalties on Part B and Part D. Chris ensures you enroll on time.
Part A - Hospital Care
Covers inpatient hospital stays, skilled nursing facility care, hospice care, and limited home health services.
Part B - Medical Services
Covers outpatient medical visits, doctor consultations, preventive health screenings, lab work, and durable medical equipment.
Part C - Medicare Advantage
Combines Parts A and B into one unified private plan, often including prescription drugs, vision, hearing, and dental wellness benefits.
Part D - Prescription Drug Coverage
Dedicated formulary coverage for your prescribed medications, preventing exorbitant out-of-pocket pharmacy expenses.
Medigap Supplemental Plans
Fills the 20% coverage gap left by Original Medicare, covering copayments, deductibles, and coinsurance for maximum peace of mind.
Schedule your Medicare assessment
During your confidential review, Chris evaluates your doctors, current prescription formularies, and travel preferences to determine if Medicare Advantage or Original Medicare with a Medigap supplement is your best fit.
One-on-one assessments
Unbiased analysis matching your exact healthcare profile.
Comparing plans made easy
Clear breakdowns of copays, out-of-pocket maximums, and pharmacy benefits.
Medicare inquiry form
Submit your details and Chris Pallas will contact you promptly.
What beneficiaries say about working with Chris
Hear from clients who transitioned to Medicare with total peace of mind.
“Chris at Mally Financial Services expertly navigated my Medicare transition, aligning plan choices with my doctors and prescription needs. His guidance brought steady clarity and complete confidence.”
Clarice M.
Medicare Beneficiary
“Navigating medicare felt daunting until I spoke with Chris. He laid out the exact differences between Medicare Advantage and Supplemental coverage so I could make the best decision for my healthcare.”
Brian T.
Retired Educator
“Working with Chris has been effortless. His deep understanding of Medicare formularies saved me hundreds on my yearly prescriptions without losing any of my preferred doctors.”
Joyce S.
Long Island Resident
“Their expertise in Medicare plan customization gives our family immense peace of mind. Whenever enrollment changes happen, Chris proactively reaches out with updates.”
Sharon P.
Verified Client