Information, Coverage Options, and No-Cost Enrollment Assistance
As a new Medicare beneficiary, you have important decisions to make about the future of your healthcare. Unfortunately, understanding the “ins-and-outs” and selecting the right plan can be challenging.
Start by enrolling in our virtual course where you’ll learn the important basics and then for more in-depth information, read through the content of this site and connect with one of our licensed and certified agents in your local area agents for free assistance.
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All US citizens become eligible for Medicare when they turn 65. Non-citizen permanent residents are eligible at 65 also, provided they have lived in the country for at least five years.
When you first enroll in Medicare during your Initial Enrollment Period, you will select Original Medicare (Parts A and B) or a Medicare Advantage plan (Part C) which combines the two types…
For over 40 years, Medicare beneficiaries paid out of pocket for most of their prescription medications.
When you become eligible for Medicare, you face a series of choices. One of the first choices involves the type of coverage you prefer.
Medicare is available in several “parts” all of which are designed to fit together to offer comprehensive coverage.
Special medical situations require specialized care. Medicare Special Needs Plans (or SNPs) were created with this principle in mind.
Medicare Part D was originally designed to cover the majority of a beneficiary’s prescription drug costs.
Term life insurance is typically sold in lengths of one, five, 10, 15, 20, 25 or 30 years. Coverage amounts vary depending on the policy but can go into the millions. “Level premium” term life insurance locks in the same price for the length of the policy. “Annual renewable” term life is a one-year policy that renews every year. Annual policies can be useful if you have short-term debts or need coverage for a brief period of time.
Whole life insurance typically lasts until your death, as long as you pay the premiums. It’s the closest thing to “set it and forget it” life insurance. In general, your premiums stay the same, you get a guaranteed rate of return on the policy’s cash value, and the death benefit amount doesn’t change.
The cash value in variable life insurance is tied to investment accounts, such as bonds and mutual funds. Variable life insurance premiums are typically fixed and the death benefit is guaranteed, regardless of how the market fares. If you’re considering a policy like this, a fee-only financial advisor — a planner who doesn’t earn commissions based on product sales — can help you select the best one.
The cash value in variable life insurance is tied to investment accounts, such as bonds and mutual funds. Variable life insurance premiums are typically fixed and the death benefit is guaranteed, regardless of how the market fares. If you’re considering a policy like this, a fee-only financial advisor — a planner who doesn’t earn commissions based on product sales — can help you select the best one.
Indexed universal life insurance links the policy’s cash value component to a stock market index like the S&P 500. Your gains are determined by a formula, which is outlined in the policy.
We will review multiple carriers to help you understand your options and find you plans that best fit your needs.
As a new Medicare beneficiary, you have important decisions to make about the future of your healthcare. Unfortunately, understanding the “ins-and-outs” and selecting the right plan can be challenging.
The easiest way to apply for Original Medicare is via the Social Security website. There is a quick Medicare application that should take you no longer than 10 minutes. Just visit here.
Medicare Advantage and Supplement Plans are offered through private insurance companies. Our friendly agents can help you to find a program that meets your needs and budget. Remember, there is no cost to use our service. Simply call (480) 331-9455 to speak with a licensed agent.
Yes you can, but you’ll need to go to a local Social Security office to apply in person. If you’d like to apply for an Advantage or Supplement Plan in person, simply contact our office and request an appointment. Please note, you’ll need to apply for Original Medicare before you can enroll in an Advantage or Supplement Plan.
