Health - Medicare, Marketplace, Dental & Supplemental

MEDICARE ... IS EASIER WITH HELP


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).

MEDICARE... TURNING 65?

GOT MEDICARE EARLY DUE TO A DISABILITY?


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.

MEDICARE... IS EASIER WITH AGENT HELP

  • It costs nothing to have an AGENT HELP and ENROLL YOU.
  • We know how to fit the Plans out there to you


WORK WITH AN MEDICARE AGENT WHO FOLLOWS THE RULES

NOTE: Marketing representatives are prohibited from making unsolicited contact, including through:

  • Door-to-door solicitation, including leaving leaflets, flyers or door hangers at a resident or on someone's car
  • Approaching beneficiaries in common areas, such as parking lots, hallways, lobbies or sidewalks
  • Telephonic or electronic solicitation including leaving voicemail, text messaging or email message or through messages via social media.


ACA / MARKETPLACE HEALTH INSURANCE

We are Licensed in AL, AZ, CO, KS, SC & TN

NEXT OPEN ENROLLMENT PERIOD: Nov. 1, 2022 — DEC. 15, 2022 

Health Insurance Marketplace Self-Quoting

FREE ENROLLMENT            
 
Individual Health (Healthcare Reform/Affordable Care Act)

Plans on the Health Insurance Exchange will cover 10 Essential Health Benefits:

  • Ambulatory Patient Services
  • Emergency Services
  • Hospitalization
  • Maternity and Newborn Care
  • Mental Health and Substance Use Disorder Services  
  • Prescription Drugs
  • Rehabilitative Services and Devices
  • Laboratory Services
  • Preventive and Wellness Services and Chronic Disease Management
  • Pediatric Services, including Oral and Vision Care

WE'VE GOT EXPERIENCE

IT COSTS NOTHING TO HAVE AN AGENT HELP YOU!

GET IT DONE RIGHT...


TRANSITION FROM GROUP / COBRA


Florida Health Quotes - Under 65

Dental Insurance or A Discount Plan?

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.

ACCIDENTAL MEDICAL EXPENSE


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


SHORT-TERM MEDICAL INSURANCE


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).

INDEMNITY PLANS / GAP COVERAGE


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)