Frequently Asked Questions
The information you receive when enrolling in Medicare for the first time can be very overwhelming and is difficult to understand. Below you will find everything you need to know. If for some reason your questions are not answered, give us a call and we will be happy to help!
This can't really be a free service... How do you make a living?
Our service is 100% free to you! When we help you enroll in any plan, the insurance company you choose will pay us directly. We carry every company and will help you compare Medicare Supplement Plans, Medicare Advantage Plans, and Prescription Drug Plans. Furthermore, we are so confident in our service, we will give you quotes and help you find the best plan even if you decide to enroll using another agent!
Will I save money if I call the insurance company directly?
No! Prices for Medicare Supplemental Insurance, Medicare Advantage Plans, and Prescription Drug Plans are fixed by law. You cannot find a better price anywhere!
When can I switch my Medicare Supplement Plan?
You can switch your Medicare Supplement Plan at anytime as long as you are in good health or have a guaranteed issue period. There are no enrollment periods, although you can be turned down in some states if you have pre-existing conditions. Give us a call if you would like to see if you qualify for a more affordable plan.
What is a Guaranteed Issue Period?
You have a guaranteed issue period that begins on the first day in which you are both 65 years old AND enrolled in Medicare. Some states have special guaranteed issue periods. For example, in Connecticut, everyone has guaranteed issue at all times. California also has a unique provision called the “birthday rule”, where everyone has a guaranteed issue period that begins on his or her birthday and extends for 30 days. During this 30-day period California residents can switch to an equal or lesser Medicare Supplement Plan with any company regardless of any pre-existing conditions.
I just enrolled in a plan…. When will I receive my new health insurance cards?
Average processing time for new applicants is two to three weeks. Keep in mind, if you are approved for coverage, your policy will be effective on the date indicated on your application. If you haven’t received your new health insurance cards within three weeks, give us a call and we will check on your application.
Will I qualify for a new plan if I have a pre-existing condition?
Every insurance company asks different health questions and some are more strict than others. If you would like to purchase a more affordable Medicare Supplement, give us a call and we will let you know if you can qualify for coverage with a new company.
