Frequently Asked Questions
Q: Do you charge a fee for your services?
A: No, there are no fees.
Q: Do you offer services to people not on Medicare?
A: Yes, I offer coverage to people of all ages.
Q: If I have a Medicare Supplement when can I change plans?
A: Medicare Supplements can be changed anytime during the year, as long as your current health qualifies.
Q: What is the Medicare’s Annual Enrollment Period ?
A: Medicare Annual Enrollment Period is from October 15th – December 7th. Decisions made during this time typically go into effect January 1st of the next calendar year.
Policies providing only dental treatment benefits such as routine dental examinations, preventive dental work, and dental procedures needed to treat tooth decay and diseases of the teeth and jaw.
Limited benefit expense policies. Provides benefits for hearing exam and hearing aids.
Living Benefits Rider
A rider attached to a life insurance policy providing long term care for the terminally ill.
A policy with services that include medical and non-medical care provided to people who are unable to perform basic activities of daily living, like dressing or bathing. Long-term supports and services can be provided at home, in the community, in assisted living, or in nursing homes. Individuals may need long-term supports and services at any age. Medicare and most health insurance plans don’t pay for long-term care.
Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-State Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).
Short-Term Disability Income
A policy that provides a weekly or monthly income benefit for up to five years for full or partial disability arising from an accident and/or sickness.
A policy that provides major medical coverage for a short period of time, typically 30 to 180 days. These policies may be renewable for multiple periods.
Covers financial loss due to trip cancellation/interruption; lost or damaged baggage; trip or baggage delays; missed connections and/or changes in itinerary; and casualty losses due to rental vehicle damage. Medical Protection - accident, sickness and medical expenses. Emergency and medical evacuation.
Limited benefit expense policies. Provides benefits for eye care and eye care accessories. Generally provides a stated dollar amount per annual eye examination. Benefits often include a stated dollar amount for glasses and contacts. May include surgical benefits for injury or sickness associated with the eye.