Short-term medical insurance is a plan designed to cover someone for 90 days or less. These plans are medically underwritten, meaning an individual has to "pass" the medical questions to be approved for coverage. An individual can apply for coverage any time of year and get coverage starting next day or as late as first day of the month following approval of application. The rates are based on age and service area, as well as coverage selected. We offer a few short-term options that may be the perfect fit for your transition. Contact us today to learn more.

ACA/Marketplace plans are offered to individuals and their families. These policies are guaranteed issue, meaning coverage cannot be denied for pre-existing conditions. These plans are rated based on age, tax household size, and estimated tax household income for the plan year you have coverage. We help individuals review plan options and complete their application to ensure they are receiving an accurate premium tax (PTC) - aka subsidy - and work with you throughout the year as updates or changes are needed. If an individual has a high household income that does not qualify them for a premium tax credit, they are still eligible to purchase an OFF exchange plan that will cover their pre-existing conditions.

There is an annual enrollment period (November 1- January 15) that allows individuals to enroll in coverage. Outside of this annual enrollment period an individual will need a special enrollment period due to a life event to obtain coverage. Some examples are: Loss of Medicaid or Employer Coverage, Marriage/Divorce, Birth/Adoption of Child, etc. We are more than happy to help you see if you are eligible. Contact us today to explore your ACA/Marketplace options.

Typically medical coverage does not include dental, vision, or hearing coverage so those are separate policies that can be purchased. The coverage varies based on the companies reviewed, so we work with you to find a policy that fits your needs. You can purchase standalone policies at any time during the year, as there is no specific enrollment period for these plans. Typically your coverage begins on the first day of the month following approval of your application.

Medicare Supplement (aka Medigap) plans can be purchased to help an individual offset their out-of-pocket costs with Medicare Parts A & B. These policies can be purchased any time of year, however, medical underwriting rules may apply depending on your situation. An individual who is turning 65 or beginning Medicare Part B for the first time will have an open enrollment period with guaranteed issue. We would be happy to discuss your specific situation to see what steps are needed to get you in a Medicare Supplement policy.

Medicare Advantage plans (aka Medicare Part C) are plans offered through private insurance companies to replace your Original Medicare coverage. These plans are contractually obligated to offer benefits as good as or better than what Medicare Part A & B offers. In some cases these plans will also include your Medicare Part D coverage. The plans available to you are based on your service area (your zip code determines this) and there are several plans to choose from. We are happy to discuss your plan options and find a plan that best suits your needs, so contact us today.

Medicare Part D plans are standalone plans to cover your prescription medications. Once an individual is eligible for and enrolled in Medicare Part A and/or B, they must also have a creditable prescription drug coverage. The plans available to you are based on your service area (your zip code determines this) and we look to determine which plan has the coverage and cost you are looking for. We look at the specific medications you take and the pharmacy you prefer to use to find the plan that will offer the most suitable coverage for you.

Individuals who are eligible for Medicare can enroll during their Initial Enrollment Period (IEP) - which is the three months before the month they turn 65, the month they turn 65, and the three months following their 65th birthday. Outside of the IEP, Medicare beneficiaries can enroll or make plan changes during the Annual Enrollment Period (AEP), which is October 15 - December 7 of each year. Contact us today and we will help you create a custom timeline so you know when to take action and how.