No, there is no cost to you, whether you enroll in a plan or not.

Health insurance companies compensate licensed agents and agencies with a commission for assisting individuals with plan enrollment.

Only Medicare Advantage and Prescription Drug plan sales call are recorded for compliance purposes. Healthcare and Life insurance calls are not recorded.

Medicare Advantage/Supplements and Prescription Drug Plans Aetna, Allwell, BCBS NC, BCBS SC, Cigna HealthSpring, Devoted Health, GTL, Humana, Messer, Medico, SilverScript, UnitedHealthcare, and WellCare Medicare Disclaimer We do not offer every plan available in your area. Currently we represent 7 organizations which offer 125 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Healthcare/Dental, Vision & Hearing Aetna, Ambetter, Amerihealth Caritas, BCBS NC, BCBS NC, Cigna HealthSpring, Humana, NCD, UnitedHealthcare and WellCare Life, Accidental and Cancer Aetna, American General, American National, Cigna National, Foresters, GTL, Gerber, Globe, Lifeshield, Messer, National Life United America

You may qualify for a (SEP) Special Enrollment Period under special circumstances such as change of income (for Affordable HealthCare plan (Obamacare), termination of employer coverage, life change (married or new dependent), or moved outside of coverage area. If enrolled in a Medicare Advantage plan during AEP (Annual Enrollment Period) Oct. 15 through Dec. 7, you may make a one-time change during OEP (Open Enrollment Period) January – March. If you receive Medicaid or LIS (Low Income Subsidy) with Medicare, you may make one change per quarter during the three quarters of the year: Q1 January – March Q2 April – June Q3 July – September

Contact member services on the back of your membership card if you are not able to create an online account. You may also call, text, or email your agent for assistance.

Contact member services on the back of your membership card. You may also call, text or email your agent.

Medicare is for individuals 65 or older, however you may be eligible if you have a disability, End-Stage Renal Disease (permanent kidney failure requiring dialysis or transplant), or ALS (also called Lou Gehrig’s disease).

Part A (Hospital): Covers inpatient care in hospitals, critical access to hospitals, and skilled nursing facilities (not long term or custodial care) Part B (Doctor): Optional coverage that covers the cost of doctors’ services, outpatient care, and other medically necessary services that Part A doesn’t cover. Part C (Medicare Advantage): Is a Medicare health plan choice referred to as Medicare Advantage plans offered by private insurance companies. Part D (Prescription Drug): Covers prescription drug coverage. Note: Failure to enroll in Part B or Part D when initially eligible (or go 63 days or more without creditable drug coverage) could result in a late penalty.

The best way to avoid late enrollment penalty for any of the parts of Medicare is by signing up for Medicare coverage during your Initial Enrollment Period (IEP). Part A – If you must buy Part A you won’t have to pay a penalty if you sign up when first eligible. Otherwise, your monthly premium may go up 10%. Part B - You won’t have to pay a penalty if you qualify for a Special Enrollment Period. Part D – You won’t have to pay a Part D penalty if you have creditable drug coverage or qualify for Extra Help

An individual who receives Medicare and Medicaid. Individuals eligible for both benefits may be eligible for a Special Needs plan (D-SNP, C-SNP (chronic) or I-SNP (institutional) Medicaid provides health coverage assistance program for children, adults, pregnant women, people with disabilities, and seniors with low income. Medicare enrollees may receive assistance to help pay for premiums and out-of-pocket medical expenses from Medicaid.

You can begin signing up for Medicare three months before you turn 65 and up to three months after your 65th birthday. This is referred to as the IEP (Initial Enrollment Period). Because Part B and Part D have a premium cost, you have the option of turning it down. If you chose not to enroll in Part B when initially eligible, you will incur a penalty of 10% of the Part B premium for every 12-month period you did not have it or a job-based insurance that allowed you to delay enrollment. If you chose not to enroll in Part D, the penalty is calculated by multiplying 1% of the “national base beneficiary premium” times the number of full uncovered months you didn’t have Part D or creditable coverage. Note: If you are receiving Social Security benefits, you’ll be automatically enrolled in Medicare Part A and Part B (you don’t need to apply).

If you are still working at age 65, you have an option to delay enrolling in Medicare if you have health insurance through your employer of 20 or more employees. Should your employer coverage end, you will have a limited time to enroll in Medicare without a penalty through a SEP (Special Enrollment Period).

When enrolled in Original Medicare, there are two options that are most common and that’s either a Medicare Advantage or Medicare Supplement plan. Original Medicare: This is a fee-for-service plan that covers many health care services and certain drugs. You can go to any doctor or hospital that accepts Medicare. There are costs that you must pay like coinsurance, copayments, and deductibles. You should consider adding a Medicare Prescription Drug Plan when you become eligible for Medicare to avoid a penalty. Medicare Advantage: These are plans that cover more services and have lower out-of-pocket costs than Original Medicare plans. Some plans cover prescription drugs and some plans like the HMO (Health Maintenance Organizations) you may only be able to see certain doctors or hospitals to get covered services. Some of the plans also cover extras benefits like vision, dental, hearing, wellness programs, over the counter, healthy food and more. Note: Must be enrolled in Part A and Part B Medicare Supplement: These are plans that range from A through N and provide the same basic benefits. After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the supplement pays 100% of covered services for the rest of the calendar year.

Only if you have received SSDI (Social Security Disability Insurance) payments for two years (24 months), you will be automatically enrolled in Medicare Part A and Part B.

ACA is the comprehensive health care reform law and its amendments. Marketplace is a website where individuals and small business can compare plans and their affordability.

Even if you have Marketplace coverage, you should enroll in Medicare when you’re first eligible to avoid the risk of delay in coverage and any late enrollment penalty. If you have Marketplace coverage and are not eligible for Medicare, it is best practice to have an agent review your coverage each year.

Yes, if you fail to do so you will no longer qualify for future tax credits.