Philly’s Medicare Expert
Navigating Medicare doesn’t have to be overwhelming. Clay Klaus-Wade and
The Daywalt Group are here to guide you every step of the way.
Our mission is to find the right coverage that fits your needs and budget, all while
providing personalized support to make the process seamless and stress-free.
Let’s Explore Medicare Together
I'm New to Medicare
I just turned, or will soon turn, 65, am retiring, and am considering leaving my employer's group insurance plan.
I'm Medicare Eligible
I'm still actively working and enrolled in my employer's group health plan, and I want to know if Medicare is a better option.
I'm Confused About Medicare
And all of the documents and communications I'm receiving.
I Already Have a Medicare Plan
And I want to re-evaluate my plan and see what my options are.
How To Get Started
Call
A short conversation about your doctors, your prescriptions and how you use care. No forms yet, and nothing to sign.
Compare
Side-by-side options from the carriers Clay represents, with the real numbers: premium, copays, drug costs and whether your doctors are in network.
Enroll
Once you have decided, Clay handles the paperwork with you and stays your point of contact afterward, including next year’s review.
Insurance Plans Clay Works With
- Independence Blue Cross
- Jefferson Health Plans
- Clover Health Plans
- Aetna
- AmeriHealth Caritas
- Devoted Health
- Humana
- HealthSpring
- Medico
- Wellcare
Compare plans, explore your options, and see what best fits all of your needs,
in one convenient place.
About Clay
Passionate about making meaningful connections and driving impactful change, Clay’s professional journey spans public policy, business development, community outreach and engagement, communications, marketing, strategic growth, and insurance, all with a focus on health care.
Clay is a Sales Representative with The Daywalt Group and takes the time to listen, explains your options clearly, and provides guidance tailored to your unique needs.
Clay holds a bachelor’s degree in public affairs, a master’s degree in public policy, and is currently pursuing a master’s degree in mental health counseling at the University of Pennsylvania. His academic and professional experiences have cemented his commitment to ensuring high-quality, accessible, and integrated health care, an approach that unites physical and behavioral health care to enhance care coordination, improve outcomes and patients’ experiences, and lower costs.
Clay is an avid reader, theater enthusiast, and nature lover who’s on a mission to visit all the U.S. national parks. Born and raised in New York, Clay now proudly calls Philadelphia home, where he lives with his husband and their cats Margo and Grayson. In Philly, you’ll often find him exploring the city’s vibrant culture, engaging in work as a member of the boards of directors of Mazzoni Center and Planned Parenthood Southeastern Pennsylvania, cheering at Phillies games, and spending time with his loved ones.
What Clients Say About The Daywalt Group
Dina Daywalt and her team have been helping us with insurance selection, concerns, enrollment, etc. She is an expert that has helped us through numerous situations including retirement and transition to Medicare or layoffs and need for independent coverage. She’s is a true professional that provides personal service. She’s goes beyond advice by walking you through a process or taking it on herself. We are lucky we found her!
The Daywalt Group has everything I was looking for. Professional, knowledgeable, patience and caring. Dina never made me feel rushed and took the time I needed to be comfortable. She helped me in areas I hadn’t even considered. Look no further the Daywalt Group has the team you’ll be glad you worked with.
Dina and her team from the start were professional, caring, patience, and knowledgeable. The transition to retirement and the flux of requirements and decisions can be very overwhelming. My wife and I appreciate their experience in navigating us thru all the nuances and finalizing our selections and costs. The Daywalt Group will be highly recommended to family and friends.
Frequently Asked Questions
We are a full-service Health Insurance agency providing affordable health insurance plans to those just turning 65 and other Medicare-eligible individuals. We understand how complicated Medicare can be, so we take the time to get to know your unique healthcare needs first. Then, we provide step-by-step guidance and decision support through the entire Medicare transition process to enrollment and beyond, where we’ll evaluate your plan annually to identify any changes.
Medicare is available for people who are age 65 or older, and for individuals with qualifying disabilities, End Stage Renal Disease or Lou Gehrig’s disease. Generally, you’ll be able to enroll during your seven-month Initial Enrollment Period, which includes the three months before and the three months after the month of your 65th birthday.
Yes! Caregivers have become very engaged in the Medicare health plan selection process for their loved ones. We encourage you to participate in our educational programs and can assist you through the point of enrollment. If you are a designated power of attorney, you can enroll your loved one in the plan of their choice.
Every year from October 15 to December 7, Medicare beneficiaries have the option to make changes to their Medicare plans during the Annual Enrollment Period (AEP). The reason that Medicare gives you the option to change plans every year is because Medicare plans themselves can change every year. Your insurance company should send you any changes that have been made to your plan for the next year in the form of an Annual Notice of Change (ANOC) before the enrollment period begins. It’s important to re-evaluate your Medicare plan annually to make sure that the plan you have is still the best one for you.
If your company has more than 20 employees and offers health care coverage through which you receive benefits, you do not have to enroll in Medicare when you turn 65. People who are still working often decide to enroll in Part A when they become eligible because they can receive benefits without having to pay a premium. However, enrolling in Part A can impact your Health Savings Account (HSA) if you have one. The decision to delay enrollment in Part B depends on each individual’s situation. However, it is important that you delay coverage correctly to avoid possible penalties when you eventually enroll.
You’re eligible to enroll in Original Medicare at age 65, or earlier if you’re disabled or have End-Stage Renal Disease. You’ll automatically be enrolled in Medicare Part A if you’re receiving Social Security benefits or railroad retirement checks. If not, you may need to enroll yourself. You have an opportunity to enroll in Medicare Part B during your Initial Enrollment Period (IEP). If you don’t enroll then, you may have to pay a late enrollment penalty. Your monthly premium will increase 10% for each 12-month period you were eligible for Part B but did not enroll. You will be responsible to pay this Part B late enrollment penalty each month that you remain enrolled in Part B. If you have medical coverage through an employer group health plan based on your current or past employment, you may not need to sign up for Medicare Part B at age 65. You will qualify for a Special Enrollment Period (SEP) allowing you to sign up for Part B at a later date. Contact us to find out how your current group health plan coverage works with Medicare.
The number of aging employees continues to grow nationally, requiring a focused strategy from employers. We work directly with human resources departments to provide employees comprehensive Medicare learning opportunities. We coordinate Medicare education programs and enrollment solutions that include Medicare Basics webinars, and decision-support plan selection and enrollment.
Yes! We offer travel insurance through GeoBlue, which provides medical coverage and support while you're traveling internationally. Whether you're planning a vacation, business trip, or studying abroad, we can help you choose a plan that fits your needs. You can learn more and get a quote here, or compare plans and benefits here. If you have specific questions or want help selecting a plan, feel free to reach out!
The Daywalt Group is compensated from the Medicare health plan selected by the individual once they transition. Our certified Medicare advisors are not compensated more or less based on the product selected, and therefore match the beneficiary to the plan that best fits their personal healthcare needs.