Frequently Asked Questions
What does it mean to be an independent insurance agency?
Being independent means, we represent multiple insurance carriers rather than being limited to just one company. This means we can compare plans and find coverage that best fits your healthcare needs and budget.
Why should I use y'all instead of enrolling on my own?
Starting Medicare and choosing coverage can be overwhelming. We help simplify the process, explain the fine print, and advocate for your best interests – saving you time, stress and potential costly mistakes.
How much does it cost to work with you?
Our services are no-cost to you. Insurance carriers compensate us, so you receive expert guidance and personalized recommendations at no additional cost.
What type of plans do you help with?
We Specialize in Medicare Supplements, Medicare Advantage Plans, and Prescription Drug Plans. We also offer Dental, Vision, and Hearing coverage, as well as Affordable Care Act (ACA) plans for individuals under 65.
How do I know which Medicare Plan is right for me?
We take the time to understand your doctors, prescriptions, lifestyle and budget before presenting your options. Then we clearly explain the differences and help guide you with making the decision that will best suit you.
What is the Annual Enrollment Period? (AEP)
The Annual Enrollment Period (AEP) is a specific time each year when people enrolled in Medicare can review their current coverage and make changes for the upcoming year, because plans, provider networks, and drug coverage can change from year to year, reviewing your options annually helps ensure that you are not paying more than necessary or losing access to the doctors and medications you rely on. Our team is here to make the process simple and stress free.
When is AEP?
AEP is between October 15th- December 7th of every year. Any changes you make during this time take effect January 1st of the following year.
What can you do during AEP?
- Switch from Original Medicare to a Medicare Advantage Plan
- Move from Medicare Advantage back to Original Medicare
- Change from one Medicare Advantage to another
- Join, drop, or change a Prescription Drug Plan
How do I get started?
Simply contact us for a no-obligation consultation. We’ll review your needs, answer your questions, and provide personalized recommendations so you can move forward with confidence.