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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 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 changing to a Medicare Supplement Plan.
You can enroll in a Marketplace plan during the ACA Open Enrollment Period (OEP) which is Nov. 1st - Jan. 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.
Every part D plan (Prescription drug coverage) has a "formulary" that lists all the medications covered by the plan. Medicare Advantage plans include part D, but Medicare Supplements do not include 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 hospital expenses in addition to any other coverage you may have. Hospital Indemnity plans can be used to help cover 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 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.
You could also consider a zero premium Medicare Advantage plan.
Most Advantage plans and some Supplement plans include "extras" like Fitness Benefits, Over-the-Counter Allowances, 24/7 Nurse Lines, and some dental, vision, and hearing benefits. One Advantage plan provides "Assist America" for services when you are traveling abroad. Check it out at https://www.assistamerica.com
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. We only work with the highest rated plans.
There is no one type of LTCi that is best for everyone.
"Hybrid" plans allow you to pair IUL insurance or Fixed Indexed Annuities with long-term care coverage, but your benefits may be limited.
For lifetime long-term care benefits, we recommend Mutual of Omaha or OneAmerica, both premier LTCi companies. Contact us for help with questions or quotes.