Here are a few answers to popular questions. If you don't see an FAQ for your question, contact us via link, contact page or call our office. 

Before your 65th birthdate, you should enroll in Medicare Part A. If you are still employed and receive healthcare benefits from your employer, you are only required to enroll in Part A. When you retire, you will have 63 days to enroll in Medicare Part B. 

You can keep original Medicare and enroll in a standalone Prescription drug Plan (PDP), enroll in a Medigap Plan to fill in the 20% gap from original Medicare, enroll in a Medicare Cost Plan if one is available in your State or area, enroll in a Medicare Advantage Plan also known as Part C. 

Any Medicare Beneficiary who is enrolled in Part A and Part B, may  select a Medicare Advantage Plan for their healthcare needs. A Medicare Advantage Plan is a Part C Plan .

The best time to buy a Medigap policy is during your Medigap Open Enrollment Period. This is the 6 month period that starts the first day of the month you're 65 and signed up for Part B. After this period, your options to buy a Medigap policy may be limited and the policy will cost more. If you attained your 65th birthday on/or before January 1, 2020,  continued working and now ready to retire, you may enroll in a Medigap Plan F policy which is no longer available to those who attain age 65 after January 1, 2020. 

You may be eligible to enroll in a Dual Special Needs Plan (DSNP), if one is available in your service area and meets your healthcare needs.

Medicare has Part D for Prescription Drug Plans (PDP). If your are enrolled in a Medigap plan, you will need to enroll in a standalone PDP. A Medigap Policy does not cover prescription drugs. If you enroll in a Medicare Advantage (MA) Plan, make sure your prescription drugs are covered under another entity such as VA benefits. If you enroll in a Medicare Advantage Plan and do not have prescription drugs from another carrier you are subject to the late penalty for every month you do not have Part D coverage. If you enroll in a Medicare Advantage Prescription Drug (MAPD) Plan that means you have prescription drugs built into the Medicare Advantage Plan and cannot select a standalone plan. 

Burial insurance covers funeral and burial expenses, whole life insurance can help give your family members the resources they need to maintain their lifestyle. Life insurance can replace some or all of your income, pay off debts, help pay college tuition and cover final expenses. 

Term life insurance covers you for a fixed period of time, such as 10, 20 or 30 years, and pays out if you die during the term. If you outlive the term and your coverage ends, your beneficiaries don’t receive any money. Whole life insurance is the most common type of permanent life insurance and costs more than term life. Whole life insurance also has a cash value component. A portion of your premium goes toward the cash value, which can grow over time. Once you’ve built up enough cash value, you can borrow against it or surrender the policy for cash.

Most applicants don't need to take a medical exam for burial, term or whole life insurance. 

We work with several different carriers that offer individual coverage for cancer, stroke, heart attack, severe sepsis or other critical illnesses. The best time to get coverage is before a critical event occurs.