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FAQ

Insurance can be confusing. We are here to help you navigate the entire process from beginning to end, and to make it as simple as possible for you and your family. Below you will find a few frequently asked questions. Please feel free to contact us with any additional questions you may have! We look forward to hearing from you! 

  • How much will my Medicare cost?
    The Social Security Administration charges a premium for Part B coverage. The premium amount is based on your taxable income from two years prior. For 2025, the standard Part B monthly premium is $185.00. In addition to your original Medicare A and B, you will have the option to add a traditional Medicare Supplement plan with a stand-alone Part D drug plan, or add a Part C Medicare Advantage plan with prescription drugs.
  • What options do I have when it comes to adding to my original Medicare A and B?
    1. Add a traditional Medicare Supplement plan with a stand-alone Part D drug plan, or 2. Add a Part C Medicare Advantage plan with prescription drugs. Both of these create a financial stopping limit.
  • How do I start the process for my Medicare enrollment?
    If you have already signed up to receive your Social Security Income, you will automatically be enrolled in your Medicare Part B. You will receive your original (red, white, and blue) Medicare card in the mail showing your Part A and Part B dates. If you delay your Social Security Income enrollment, you will need to take action and apply for your Part B online, over the phone, or at your local Social Security Administration office. Learn more: https://www.ssa.gov/forms/ssa-1.html
  • Can I purchase health insurance at any time?
    There are many reasons that you could qualify for a (SEP) Special Enrollment Period. There are also (STM) Short-Term Medical plans available all year long to help you bridge the gap.
  • How much will my monthly premium be?
    As brokers, we have access to many companies and plans. There's no one price fits all when it comes to customizing your healthcare portfolio. Your monthly premium is determined by many factors like, the subsidy amount you qualify for, the customized supplemental protection you add, and the life insurance products you go with.
  • What's the benefit of having supplemental insurance?
    Supplemental insurance plans pay a cash benefit directly to you. They help fill financial gaps when you’re sick or injured. The cash can be used any way you choose, from paying medical expenses or nursing facilities to everyday living expenses such as groceries or the electric bill.
  • What insurance carries do you work with?
    We are licensed with dozens of the nations top insurance carriers; which makes customizing your healthcare portfolio easy and affordable.
  • What steps do I have to take to qualify for health insurance?
    There are 10 steps. Step 1...call me, then I take care of the other 9!
  • Can I purchase supplemental plans any time or does it have to be during open enrollment?
    Supplemental plans can be purchased anytime throughout the year.
  • I have friends and family needing help. Are you taking new clients?
    Thank you for considering us. We're currently accepting new clients and would be happy to provide them with exceptional care!
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