Transitioning into Medicare or choosing the right plan can be confusing and stressful but it doesn't have to be. Broker Solutions makes Medicare easy and clear.
Protecting your loved ones in the event of your passing isn't the only advantage to buying life insurance. Life insurance can also be a critical component of your asset protection and your retirement funding.
Health Insurance is your first line of defense in any financial plan and a necessary component in overall family protection.
When an American citizen turns 65 years of age, they have the option to enroll in Medicare (they may also qualify before the age of 65 if they are eligible for disability benefits). Basic Medicare, which includes Parts A and B, cover most of your basic hospital and doctor expenses, respectively. Unfortunately, "most" does not mean "all". The expenses which Medicare does not cover - sometimes referred to as "gaps" in coverage - are what Medicare Supplement insurance protects you from. It is a private plan designed to cover the medical expenses where Traditional Medicare falls short of the mark.
If any of the following scenarios apply to you, then you are already guaranteed "eligible" to purchase Medicare supplemental insurance: You are currently covered under Medicare Parts A & B You are within 6 months of turning 65 You are within 6 months of receiving Part B coverage If you are about to lose your group health insurance plan Please note that you may still be required to answer some medical questions about your overall health and wellness. For further clarification, or if you have any questions, please do not hesitate to. Give us a call today.
Based on the convoluted rules of Medicare enrollment, many seniors mistakenly believe that signing up for Medicare Supplement is similarly complicated. The good news is that you can sign up for Medigap insurance at any time. However, there are some "sweet spot" time frames which, if you apply during those opportunities, will make the process much easier:
The Initial Enrollment Period. During your first 6 months of Part B coverage, your acceptance is guaranteed, regardless of your current level of health
The "Guaranteed Issue" Period. If you are on the verge of losing coverage through an employer, you will have a "guaranteed issue" period lasting 63 days where you can purchase any Medicare supplement policy with no health questions asked.
If you apply for Medicare supplement at any point outside of these time frames, you will likely have to go through the complicated process of medical underwriting and answering lots of invasive health questions. To learn more, and to get help going through.
It doesn't matter whether you're struggling to get by, on a fixed income, or enjoying incredible wealth in your golden years - all seniors from all walks of life can benefit from a Medicare supplement insurance policy. Medicare provides standard coverage to every beneficiary, regardless of income. What it does not provide, however, is 100% coverage of your medical costs. Therefore, the more vulnerable you are to the gaps in Medicare coverage, the more you can benefit from the protection of a Medi gap policy.
You, as a consumer, have a variety of options. While some prefer to look up nearby agents in their local Yellow Pages for Health coverage in the City of Rancho Mirage, Rannells, Ripley, City of Riverside, Romoland, Rubidoux, Sage, City of San Jacinto, Santa Rosa Rancho, Sedco Hills, the truth is that you'll get the best deal by doing your research and shopping around online.
With the power of the internet, you can get more and better offers from several major companies who are all competing for your business In Eagle Mountain Ca
You could contact each and every individual agency by yourself and spend hours filling out the same redundant online forms for quotes, or you can let us do all of the busy work for you. Compare multiple plans, prices, and agencies by filling out our one, simple online quote form today. We can help you get the best possible deal on virtually any available Medicare supplement policy.
Important Fact: How to Save Money! All 10 available Medicare Supplement Plans are standardized by Medicare - this means that each plan offers identical benefits, regardless of where you live or what company is handling your policy. Therefore, the only difference is in price. And the best way to get the best price is to compare plans online and save!
"Loved everything so far"
I was in the process of shopping for medical insurance when a friend recommended Ed. Up to that point the service provided by agents consisted of an emailed comparison. Ed was different. He came to my home, addressed my questions like my child was his, helped me find the very best plans and completed, yes, HE filled in the applications for me. I have confidently referred him to ALL my friends. I am so grateful to have him as my agent.
- Becky G.
"Highly recommend this"
When I was running into an obstacle with the Covered CA plan I had, Ed helped me on a daily basis – making calls, faxing documentation, following up, etc... There would be days when I would call Ed 3-5 times and he never made me feel like a bother. I feel appreciative to have someone like Ed as my insurance broker and would recommend him to ANYONE.
– Cori R.
"Extremely Happy Customer"
When the maze of medical coverage first appeared under the Obama Health Coverage Plans, my wife and I were overwhelmed by all the different choices, plans, and of course costs. Ed took time to explain the different options, coverages, and benefits to each plan. My wife and I appreciated his candor and professionalism.
– Mike F.
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