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Your Initial Enrollment Period (IEP) is your birthday month plus 3 months before and 3 months after. There are also certain Special Enrollment Periods (SEPs) when you may be able to enroll.
You can switch to one of the four 5-Star plans in Iowa at any time of the year.
You also have an opportunity every year to change your Medicare plan during the Annual Enrollment Period (AEP) which is Oct. 15th - Dec. 7th - however, medical underwriting may be required if you try to change to a Medicare Supplement plan.
You can enroll in a Marketplace plan during the Open Enrollment Period (OEP) which is Nov. 1st - Dec. 15th every year. You may also be able to enroll during a Special Enrollment Period (SEP) if you have a "Qualifying Life Event" - like the loss of coverage through work, a marriage or divorce, having a baby, etc.
Contact us for a link to the ACA Marketplace plans available in your area.
Medicare Advantage plans include part D (Prescription drug coverage) but Medicare Supplements do not include part D. Every plan has a "formulary" that lists all the medications covered by the plan.
Medicare does not include coverage for long-term care - unless you qualify for certain special needs plans (SNPs). See our Long-Term Care tab for more information about Long-Term Care Insurance.
Hospital Indemnity plans generally pay for certain hospital expenses in addition to other coverage you may have.
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 four types of "Medicare Savings Programs" that can help pay some of the costs of Medicare - for example, the part B premium. You must qualify for these programs based on income and resource guidelines.
Also, you could consider a zero premium Medicare Advantage plan.
Most Advantage plans and some Supplement plans include "extras" like "SilverSneakers", Over-the-Counter Allowances, "Virtuwell", "Teladoc", and some dental, vision, and hearing benefits. One Advantage plan provides "Assist America" for services when you are traveling abroad.
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, etc. ASK US ABOUT THE FOUR 5-STAR ADVANTAGE PLANS IN IOWA!
"Partnership" LTCI plans are offered by some companies and provide benefits not available in other LTCI plans. For example, Partnership plans limit the Medicaid "spend down" requirement, grant the owner an "asset disregard", and they provide estate recovery protection. Contact us for details and quotes.
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CMS disclosure: No company offers every Medicare plan available in every area.
refer to medicare.gov for more information.