Creating & Preserving Wealth for Generations
Medicare Insurance Planning
Disclaimer: *Not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. By providing your name and contact information you are consenting to receive calls, text messages and/or emails from a licensed insurance agent about Medicare Plans at the number provided, and you agree such calls and/or text messages may use an auto-dialer or robocall, even if you are on a government do-not-call registry. This agreement is not a condition of enrollment. We do not offer every plan available in your area. We do not offer every plan available in your area. Currently we represent Aetna, Excellus, Humana, MVP Health Care, United Health Care, and WellCare, which offer several products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Would You Prefer a Personal Consultation Instead?
At this time Medicare consultations are only for New York state clients.
*By providing your name and contact information you are consenting to receive calls, text messages and/or emails from a licensed insurance agent about Medicare Plans at the number provided, and you agree such calls and/or text messages may use an auto-dialer or robocall, even if you are on a government do-not-call registry. This agreement is not a condition of enrollment. We do not offer every plan available in your area. We do not offer every plan available in your area. Currently we represent Aetna, Excellus, Humana, MVP Health Care, United Health Care, and WellCare, which offer several products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
An Insurance Representative Dedicated to Serving You.
Becoming eligible for Medicare means there are many decisions to make, and you, no doubt, will have many questions. You may be asking yourself:
-
Do I need to enroll in Medicare and if so, will I be enrolled automatically? If not, when do I enroll to avoid penalties?
-
Should I leave my employer group or individual health plan coverage?
-
What do I do if I'm not retiring?
Then during the Annual Enrollment Period, you are presented with more questions about your annual plan choices. You may be asking yourself:
-
Am I paying for coverage that I don't use?
-
Are there more affordable plans out there?
-
Do I need to change plans because I am now taking new medications or now need vision, hearing and/or dental?
Our experienced representative will help you answer these important questions and much more. We'll guide you through this complicated process, giving you the confidence you need to make these important decisions.
Approaching Medicare Eligibility?
When to Enroll in Medicare Part A & Part B
Turning 65
Soon
-
If you are receiving Social Security benefits and meet the qualifications, you will automatically be enrolled in Medicare.
-
If you are not receiving social security benefits, you have a 7-month eligibility period to enroll. However, it is recommended that you complete the Medicare Part A and Part B online application 3 months prior to your birth month. You can access the application here.
Over
65
-
If you are leaving your current employer group, contact the Social Security Administration to enroll in Medicare Part A and Part B.
-
Ideally, you should enroll in Medicare Part A and Part B three months before your current plan terms so you can request the effective date to start the day after and prevent a lapse in coverage.
-
If you wait until your plan terms, you have an 8 month eligibility period. However, to avoid Part D prescription plan penalties, you must enroll in a Part D plan no later than 63 days after your current plan has termed.
Under 65 & Have
a Disability
-
You will automatically be enrolled in Medicare if you have received disability benefits from Social Security for 24 months.
Selecting the Right Medicare Plan for You.
Our insurance representative will help you find a plan that best suits your needs. Whether it's a Medicare Advantage Plan or a Medicare Supplement Plan, our specialist has the information that you need to make the right decisions. We will analyze the costs and benefits, using your specific individual information and recommend the plans that provide you with the greatest coverage and value.
Thereafter, be sure to set up an annual review meeting to assess changes to your current plan and to learn about new benefits and extras that are available to you.
At this time Medicare consultations are only for New York state clients.
**By providing your name and contact information you are consenting to receive calls, text messages and/or emails from a licensed insurance agent about Medicare Plans at the number provided, and you agree such calls and/or text messages may use an auto-dialer or robocall, even if you are on a government do-not-call registry. This agreement is not a condition of enrollment. We do not offer every plan available in your area. We do not offer every plan available in your area. Currently we represent Aetna, Excellus, Humana, MVP Health Care, United Health Care, and WellCare, which offer several products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare Enrollment Periods
Initial Coverage Election Period (ICEP)
When you first become eligible for Original Medicare, you also become eligible for Medicare advantage (Part C) . This is the first enrollment period for Medicare Advantage
Annual Enrollment Period (AEP)
October 15th - December 7th
The period of time that allows Medicare beneficiaries to make a change to their Medicare coverage. The new coverage goes into effect on January 1st of the following year.
Medicare Advantage Open Enrollment Period (OEP)
January 1st - March 31st
The period of time that allows individuals already enrolled in a Medicare Advantage plan to make one change to their Medicare Coverage. They may switch to another Medicare Advantage plan or switch back to Original Medicare and if needed add Medicare Part D prescription drug plan.
