LTC Advisors - Altamonte Springs, Florida

Christine

Teresa Risner guided me through the Medicare maze and went above and beyond to assist me with my decision. I was thrown into making a choice which had to be made due to changing jobs and the looming deadline. Teresa stayed late, contacted my primary doctor and continued to help me until she knew I felt comfortable with my new insurance. Besides being very competent, she has a great sense of humor to lighten this seemingly overwhelming task. I would highly recommend Teresa for all your senior needs!

Marilynn P.

Teresa Risner has helped me and several of my friends with understanding Medicare choices and what was the best match for each of our circumstances. She is very prompt in responding and researching the best possible choices, and explaining it so it is easily understood. She goes above and beyond to help, and I greatly appreciate her thoroughness, integrity and honesty,

kathy H.

Our agent, Theresa Risner, was one of the most competent and friendly people I have ever worked with professionally. My husband and I completed relaxed, feeling we were in good hands and that Theresa was truly helping us find the best medical plan possible, good coverage for our needs and affordable. I would recommend in an instant her services. She's awesome.

Cheryl S.

Teresa is the very best Insurance Agent I have ever known. My husband and I needed to understand Medicare and determine if we needed additional insurance. She explains everything, thinks of everything, and gives you options. She is working on your behalf, not hers and not the companies that offer insurance. She will be your agent! How can your beat that?

Kim K.

As Teresa Risner of LTC Advisors says, “If you are 64 1/2 years old or know someone that is 64 1/2 years old tell them they need to come see me so that I can help them prepare to sign up for correctly for Medicare.” My husband and I aren’t yet that age but we will definitely come see Teresa when it is that time. We have learned that she is very knowledgeable on this subject as well as Long Term Care Plans. We have been working with Teresa on a Long Term Care Plan. Regardless of your age, you need to start thinking about what you will do about a long term care plan for the future. It is a complicated subject that no one wants to think about but Teresa can help you navigate the complexities of the subject and help you sort out what the right plan will be for you. She is an expert on the subject of Medicare and Long Term Care Plans. Call Teresa today and make an appointment with her so you don’t have to worry about tomorrow!! Thank you Teresa for your help!

Tony P.

Navigating Medicare options is mind boggling!!! Teresa is THE best and explained all my options. With her as my “guide” I feel very confident I’ve picked the right plan for me!! She is the best and highly recommend!! ~Rosanne Pace

PapillonOne

I had the good fortune to see Teresa Risner of LTC Advisors speak at a presentation concerning Medicare at the Senior One Center on Douglas Ave in Altamonte Springs where she has her office. She was an extremely articulate and humorous speaker who seemed to really know her stuff and I was to find out when it really mattered that my first impression was spot on.

A few months after attending the presentation, I unfortunately let another consultant convince me to use him as he was claiming Ms. Risner was far too busy to give me her full attention and good service but it turned out to be him that would drop the ball in so many ways it was ridiculous!! Luckily when I needed advice regarding the previous choices I made, I remembered her comments and her encouragement to give her a call even if she was not my consultant and she’d be sure to give me her best thinking so I called her, made an appointment, met with her just this past week and I sure am glad I did!

When we met at her office, she was completely 100% invested in what I needed which was advice regarding my Part D Medicare Drug plan which had changed drastically after I had renewed it during the past open enrollment. She was so engaged that not only did she help me with my Part D issues, she also noticed that I would save money on my Medigap premium if I was willing to consider changing plans as is allowed with the Medigap plans & so by going with her suggestion, she saved me $28.44 a month on my remaining nine monthly premiums because she noticed the alternative plan that was almost identical to the one I originally chose but had experienced a 7.7% decrease in the premium cost with the only change being that I would be responsible for the full or partial $185 deductible if any of it was not paid (which it turned out was paid in full in January due to a lot of medical charges that had already gone through.)
She took her time, gave me her full attention, and expertly showed me the plan coverages, and even documentation of the price decrease and even confirmed no additional underwriting would be necessary if I chose to stay with my current plan provider. She answered every question I had and didn’t rush me nor did she make me feel badly about asking lots of questions as I was a bit confused about the change at first. Today when I called the plan provider they confirmed every single thing Ms. Risner had told me as well as confirmed the total cost savings of $256. That is quite a savings!!

If you need someone to help you make good decisions regarding healthcare insurance and Medicare issues, look no further than Teresa Risner and her company LTC Advisors. I’ll be referring all my friends and neighbors to her!!

Sue O.

I worked with Rob Rycyk earlier this year for my first Medicare enrollment. He really untangled all the different plans in a way that I understood.
I recently referred my friend, Diana, to him. Here is what she says:
Rob was professional
Proficient
And easy to work with. Found a great plan that will save me quite a bit of money!