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Medicare has several enrollment periods.
The Initial Enrollment Period is your birthday month plus 3 months before and 3 months after.
The Medigap Open Enrollment Period is the 6-month period after you are 65 and have part B.
Medicare has several Special Enrollment Periods (SEPs) - including an SEP when you can enroll after losing your coverage at work.
YES! Medicare Advantage plans make self-enrollment available.
By clicking on "Plan Enroll" you can find Medicare Advantage plans and Prescription Drug plans in your area. You can also learn all about Medicare in the "Learning Center". Then when you are ready, you can enroll yourself in a plan after you have your Medicare card with parts A & B.
If you need to sign up for parts A & B, you can do that with Social Security @SSA.gov.
If you get stuck along the way, we can help!
The Annual Enrollment Period (AEP) is Oct. 15-Dec. 7th every year when you may be able to change your Medicare plan, however medical underwriting (health questions) will be required if changing to a Medicare Supplement Plan.
The Medicare Advantage Open Enrollment Period (MAOEP) is Jan. 1st-March 31st every year when you can change your Advantage plan.
There are several other Special Enrollment Periods (SEPs) when you may be able to enroll or change your plan due to specific life events, such as losing your coverage, a change of residence, a natural disaster, etc.
The Open Enrollment Period for Institutionalized Individuals (OEPI) is a continuous all-year opportunity to change plans.
Every Prescription drug plan (Part D) has a "formulary" that lists all the medications covered by the plan and identifies the Tier for each drug. Medicare Advantage plans include part D, but Medicare Supplements do not include part D.
If you need to find a drug plan, WellCare and Cigna HealthSpring offer links to their part D plans where you can enroll yourself after you enter your prescriptions to make sure they are included in the formularies. Check them out here... WellCareRx and Cigna HealthSpring Rx. You can also go to Medicare.gov to sign up for part D.
Medicare does NOT include coverage for long-term care - unless you qualify for certain special needs plans (SNPs). See our "Services" tab for more information about Long-Term Care Insurance.
Hospital Indemnity plans generally pay for certain medical expenses in addition to other coverage you may have. Hospital Indemnity plans can be used to help pay for the out-of-pocket costs of a Medicare Advantage plan.
Final Expense is similar to other life insurance but it uses simplified underwriting so it is easier to enroll for people who might have certain pre-existing conditions.
There are "Medicare Savings Programs" that can help pay some of the costs of Medicare - for example, part B premiums. You must qualify for these programs based on income guidelines and resource guidelines. Go to Social Security at ssa.gov for more information.
Most Advantage plans and some Supplement plans include "extras" like Fitness Benefits, Over-the-Counter Allowances, 24/7 Nurse Lines, some dental, vision, & hearing benefits, etc.
Medicare gives every Medicare Advantage Plan a "Star Rating" of 1 to 5 stars every year based on over 50 rating factors like wait time, ease of scheduling, coding accuracy, customer complaints, etc. We only work with highly rated Medicare plans.
There is no one type of LTC insurance that is best for everyone.
There are pros & cons to each type.
Contact US! Make an appointment here: https://go.oncehub.com/INSUR
CMS Required Medicare Disclosure
WE MAY NOT OFFER EVERY PLAN IN YOUR AREA.
Not all Medicare plans are available in all states and counties.
we are MEDICARE CERTIFIED and represent 9 carriers in multiple states offering over 40 Medicare plans
including medicare supplements, advantage plans, prescription drug plans, and special needs plans.
you may contact Medicare at 800-633-4227 or Iowa SHIIP at 800-351-4664 for more information.
We also assist with the ACA Marketplace, Medicaid, and private health insurance.
Please use our Appointments tab to schedule a meeting.
Email: steve@iplusnow.com
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