P.O. Box 196597
Choosing to stay with your Group Insurance because it's what you have had it for so long?
Medicare plans offer zero to lower premium plans, low to zero deductibles over group.
If you do not have creditable coverage for medical or prescription coverage, penalties await if you do not move to Medicare correctly.
NOTE: Penalties for Obamacare DO NOT APPLY to those Individuals eligible for Medicare. Penalties apply if you do not apply for Medicare when you are eligible unless you are exempt (have Group Insurance).
Your INITIAL ELECTION PERIOD allows you to enroll in Medicare
3 MONTHS PRIOR to the Effective MONTH of your Parts A & B AND
NO LATER than 3 MONTHS AFTER
ANNUAL ENROLLMENT PERIOD: Oct. 15 - Dec. 07
This is your chance to change your Insurance to begin January 1st.
OPEN ENROLLMENT PERIOD: Jan. 01 - Mar. 31
This is your chance to disenroll from your Medicare Advantage Plan and go to another Medicare Advantage Plan (Do Over) OR return to Original Medicare (& Medicare Supplement) and a PDP (Prescription Drug Plan). MORE Election Periods exists to change your Insurance depending on different situations, please contact us and we'll discuss if one applies to you.
NOTE: Marketing representatives are prohibited from making unsolicited contact, including through:
We are Licensed in AL, AZ, CO, KS,
SC, TN & TX
NEXT OPEN ENROLLMENT PERIOD: NOV 1 - JAN 15
Health Insurance Marketplace Self-Quoting
FREE ENROLLMENT Individual Health (Healthcare Reform /Affordable Care Act/Marketplace)
Plans on the Health Insurance Exchange will cover 10 Essential Health Benefits:
Florida Health Quotes - Under 65
Discount Plans are a Membership plan to hopefully get a "discounted" price. The only problem is the discounted price can change.
Dental Insurance is based on contracted rates and is controlled by the Insurance company administering the plan (this will reduce costs, waiting periods of 6 and 12 months are applied for BASIC and MAJOR SERVICES, respectively). Providers join the Dental Insurance plan in order to bring more patients to them without marketing for new clients.
Immediate Coverage Dental is hard to find, but it can all for BASIC and MAJOR SERVICES to be covered without waiting periods but at reduced coverage rates.
It is ALWAYS better to go with a In-Network Provider/Dentist than an Out of Network Dentist (who takes PPO).
The difference is the In-Network Dentist accepts the contracted rate of the Dental Insurance and the savings to you on Dental Insurance is approximately 67% versus paying cash.
An Out of Network Dentist, does not agree to the contract rate, so the savings is calculated on the contracted rate and the rate the Dentist charges and saves you approximately 33% over paying cash.
Can help cover Deductibles on Health Insurance when an Accident occurs, you hurt yourself through no fault of your own (break an arm or leg).
HEALTH QUESTIONS AND UNDERWRITING GUIDELINES APPLY AS WELL AS PRE-EXISTING CONDITIONS ARE EXEMPT
Get Temporary Health Coverage to fill unexpected gaps in your health insurance coverage whether you have recently moved, lost coverage, or new to health insurance. These plans may be more affordable than Long-term Health Insurance, but will not exempt you from the Obamacare Tax Penalty (HEALTH QUESTIONS AND UNDERWRITING GUIDELINES APPLY AS WELL AS PRE-EXISTING CONDITIONS ARE EXEMPT).
These are Cash Payoff Plans when a certain condition or treatment occurs.
Examples: CANCER, CRITICAL ILLNESS, HOSPITAL
(HEALTH QUESTIONS AND UNDERWRITING GUIDELINES APPLY AS WELL AS PRE-EXISTING CONDITIONS ARE EXEMPT)