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Frequently Asked Questions
Find answers to common insurance queries and gain a better understanding of our services.
Independent agents are licensed and certified with the major carriers in your area. We are qualified to review all companies and costs to determine a policy that accommodates your specific medical needs. An Independent agent can show you more than one company’s rates and enroll you in a plan of your choice. Our expert services and advice are free. Bonus - we’re available whenever you have a question regarding your healthcare throughout the year!
No; however, you do need what’s considered “creditable coverage” by Medicare and prescription drug coverage to avoid a Late Enrollment Penalty. It is wise to get a Medicare quote and compare it to your Group plan, for example. Knowledge is power! We can also help you enroll after leaving your Group Plan after age 65.
There are many options and enrollment periods with Medicare, not just during the 4th quarter Annual Enrollment Period (Oct. 15 – Dec. 7). An agent can explain your options or what type of coverage may help lower your annual costs. Contact us anytime of the year with questions.
No! Your plan continues until you make a change. Review your “Annual Notice of Change” letter that arrives in September or October of every year. Pay attention to your premiums and watch for a large increase.
Get a review from your agent if you’ve had any medical changes within the last year or changes with your prescription drugs. If your premiums have increased at an unexpected rate, that’s also a good time to see what plan options you have to lower your annual costs.
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