Medicare Supplement Plans, or Medigap, work with Original Medicare to lower out-of-pocket costs.
Looking for an alternative to Original Medicare? Medicare Advantage Plans offer coverage identical to Original Medicare with added benefits.
Prescription Drug Plans, or Medicare Part D, covers medically necessary medication — something not covered by Original Medicare.
Hospital Indemnity Insurance helps provide additional financial support when you need it the most.
Want dental insurance with no waiting period? Proper dental care can be an important component of our well-being.
At its most basic level, vision insurance helps cover the cost of routine eye exams, contact lenses, and glasses.
Get your quote online or call one of our agents at (832) 626-7791
Find affordable, reliable, easy ACA coverage options. ACA plans are designed to help save you money on the federal marketplace and other state-based marketplaces.
Limited Medical Plans is supplemental insurance that pays you fixed benefits to help with every day medical expenses. You can use its benefits alone or in addition to your primary insurance to give you extra help with those unavoidable out-of-pocket expenses.
Association health plan (AHP) is a type of group medical insurance for employers that allows smaller companies (as well as freelancers and the self-employed) to access the health insurance savings associated with large group medical coverage.
Faith-based plans (also known as healthcare sharing plans) are designed to accomplish the same fundamental goals as traditional health insurance.
Short-term health insurance is a type of health plan that can provide you with temporary medical coverage when you are between health plans, outside enrollment periods, and need some coverage in case of an emergency.
Our Critical Illness Protection Plan is insurance that pays a lump-sum cash benefit directly to a covered employee after a diagnosis of a critical illness. The amount of the cash benefit is based on the condition, covered expenses, and treatments covered by the employee’s plan.
Medicare Advantage, also known as Medicare Part C, is a plan provided by insurance companies contracted by Medicare to fulfill the basic coverage of Original Medicare but with additional benefits.
These additional benefits can sometimes be provided at no additional cost to you. This is possible because Medicare actually pays the insurance company a set amount for providing your healthcare coverage.
So, let’s take a look at eligibility, enrollment, and benefits of an Advantage plan.
If you are eligible for Medicare, you are eligible for an Advantage plan. You must be enrolled in both Medicare Part A and B before you can purchase a Medicare Advantage plan. And you cannot drop Part B. If you do so, you will lose your Advantage plan.
There are specific times in which you can enroll in a Part C plan:
Initial coverage election period — Your initial coverage election period is a seven-month period that starts three months before the month you turn 65 and ends three months after the month you turn 65. If you are under 65 and receive Social Security disability, you qualify for Medicare in the 25th month after you begin receiving your Social Security benefits. If that is how you are becoming eligible for Medicare, you can enroll into an Advantage plan three months before your month of eligibility until three months after you became eligible.
Annual election period — Also known as open enrollment or AEP, the annual election period for Medicare Advantage is October 15 through December 7 every year. Coverage for the Part C plan you choose during this time will begin January 1 the next year. During this time, you can also add, change, or drop current coverage.
Medicare Advantage Open Enrollment Period — During this open enrollment period, you are able to change from one Advantage plan to another or drop it to return to Original Medicare.
Special Election Period — There are several things that can trigger a special election period and they are unique to an individual. It is best to speak to a licensed Medicare insurance agent to find out if you qualify for a special election period. However, there are a few common instances we can talk about. Such as, if you move outside your Medicare Advantage plan’s service area, qualify for extra help (such as a program that helps pay for your prescription drugs), or move into a nursing home you might qualify for a special election period. During this time you can make changes to your Advantage plan or return back to Original Medicare.
Call (832) 626-7791 now. Our support team is ready to answer questions about your Medicare or health insurance and put together a comprehensive plan that fits your needs.