website photo 2If You Are Already On Medicare…
Below are some general questions and answers. Contact us for specific answers regarding your situation.

What are my options during the Annual Election Period (formally known as Open Enrollment)?
You will be able to view the benefits of other plans offered in your area each year starting on October 1st. Plan changes are permitted between October 15th and December 7th with an effective start date of January 1st of the following year.

You will generally have 3 options to select from:

Option 1: If you want to make any changes, you will need to contact your insurance provider to make the adjustments. In most cases, your current plan will simply roll into the next year’s plan. If you wish to keep your current plan, simply do nothing. We suggest you speak with an informed senior specialist to ensure your best interests are met in the upcoming year and to avoid unwanted and costly surprises. Contact us! We can help!

Option 2: Once you have reviewed your current plan as well as other plans offered in your area, you can change your Part D Prescription Drug plan or your Medicare Advantage plan, To change either plan, you can call 1-800-MEDICARE (1-800-633-4227) or visit It is important to note that you may only make changes to your plan during the annual enrollment period, which usually runs from October 15th to December 7th each year. This process can seem overwhelming but we’re happy to walk you through the process step by step!

Option 3: You also have the opportunity to go back to your Original Medicare and to a Stand Alone Part D Prescription Drug plan. Acceptance into a Medicare Supplement plan may be based on medical underwriting and you could be denied. Once enrolled, however, Medicare Supplements are guaranteed renewable. This means you cannot be canceled based on your health status. Medicare Supplement plans help to protect beneficiaries from long-term healthcare expenses.

Still have questions?  Give us a quick call.

I’m already on Medicare due to disability but now I’m also turning 65....
You will receive a new personal Open Enrollment period when turning 65. This means you’ll generally have new, expanded options available to you and you may enroll in a Medicare Supplement plan, a Part D Prescription Drug plan, or an All-in-One Medicare Advantage plan. Talk with a senior specialist for personal assistance!

There are many situations that can cause a disruption in your health care plan but fortunately, many of those changes offer you a Special Election Period which will allow you to make health plan changes that better fit your current situation. We can help guide you through the process. Contact us today. Some possible causes for disruption are as follows:

  • Currently on Medicaid, receiving extra help
  • Gained or lost Medicaid eligibility
  • Moved into or out of a skilled nursing facility
  • Moved outside your current plan’s service area