You’re turning 65 or maybe you’re already there and the mail is beginning to pile up and it’s getting confusing.  As an independent agent, I can guide you through the process of choosing the right plan, that best fits your needs. Keeping it simple, you basically have 3 choices and 4 parts. I can help explain how these all come together and make sense.

  1. Original Medicare (Parts A & B) with a prescription plan (Part D)
  2. Advantage Plans (Part C), many plans have Part D included and provide a $0 premium option.
  3. Medicare Supplement with a prescription plan (Part D).
  • Part A: Hospital Insurance
  • Part B: Medical Insurance
  • Part C: Advantage Plans
  • Part D: Prescription Drug Coverage

Outside of turning 65 and your initial election period, we have a few other enrollment periods. The most important period outside of your initial enrollment is the Annual Election Period which runs 10/15 – 12/7 each year. It’s important to note, marketing activities for the Annual Election Period should not start until 10/1 if it’s concerning plans for the following year. It’s a great time of the year to see if choices 1-3 above are still your best options. In addition, you may be entitled to a special election period as well   These typically result from a move, a carrier exiting the market or some other circumstance warranting a guaranteed issue enrollment into a new plan.

Would you like to learn more about your options? Please call or use this form below and I will be in contact shortly.

Contact Us

We would love to hear from you! Please fill out this form and we will get in touch with you shortly.

*By completing this form, you authorize Chris Ruhm to contact you by phone at the phone number provided. You are not required to purchase any product. This consent applies to all products currently or in the future marketed or sold by us. This authorization continues until it is revoked by you. All information provided is at no obligation to you.  Your information will NOT be sold or shared with anyone else.