Frequently Asked Questions
Who is eligible?
- All US citizens age 65 and older or:
- Citizens under the age of 65 with certain disabilities
What are my options?
- There are a variety of options and plans associated with Medicare. A variety of factors come in to play when deciding which is the option(s) give you the most coverage at the most affordable price.
Which plan is right for me? What can I afford?
- Choosing a Medicare plan can be a confusing process. It is important to make sure the plan allows you the most coverage at the lowest rate. We assist you in understanding, evaluating and choosing the plan that meets your needs. There are also low income options for eligible consumers.
When can I enroll for Medicare?
- The Medicare Initial Enrollment Period is a time period when you an enroll in Medicare for the first time. It starts 3 months before you turn age 65 and lasts for 7 months. There are other times for people under age 65 with disabilities and people with End-Stage Renal Disease.
What do I need to do to enroll?
- If you are eligible for Medicare Part A and Part B and receiving social security, you will be automatically enrolled in Original Medicare (Part A and Part B) when you turn 65. If you are not receiving social security checks yet, you will need to either go to your local social security office or apply online at https://www.ssa.gov/retire/. These plans pay a portion of your hospital and medical bills. They do not cover prescription drugs. Contact us to learn about your options, plan costs, prescription drug coverage.
What are late penalty fees and how can I avoid them?
- Late enrollment penalties can increase your premium by 10% or more. Understanding the initial enrollment period as well as the annual enrollment periods is key to avoiding these penalties.
- There are cases where an individual may enroll in Medicare due to special circumstances such as change of address, loss of coverage, change in coverage by plan, etc.. This is called a Special Enrollment Period.
- There is a General Enrollment Period if you do not automatically qualify for Medicare Part A, a Special Enrollment Period or who did not enroll in Medicare Part A and/or Medicare Part B when you were first eligible.
Can I make changes to my current plan?
- Each year you should review your current plan changes and compare against other plans to make sure that your medical needs are still being met. September and October are good times to do this. Open enrollment begins (to make these changes) on October 15th and continues through to December 7th. Your new coverage will begin on January 1st of the following year.
- Between January 1st to February 14th, if you are enrolled in a Medicare Advantage Plan, you will have the additional time period in which you can dis-enroll from your plan and switch back to Original Medicare. You can also join a Medicare Prescription Drug Plan during this time. Your coverage will begin the first day of the month after the plan gets your enrollment form.
What are the benefits of using Senior Insurance Associates?
- Knowledgeable and reliable assistance at no cost to you!
- Assistance in obtaining the most beneficial and cheapest health insurance plan tailored to your needs!
- Eliminate the risk of incurring penalties and fees due to missing plan deadlines.
- All required paperwork and/or phone calls to insurance companies are handled by us.
- Assistance with claims and benefits.
- On-going support of plans, benefits and questions.