Medicare Open Enrollment

OCT 15 – DEC 7


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    Note: By providing information via our contact form, you agree that an authorized representative or licensed insurance agent/producer may contact you by telephone, email or mail to answer your questions or provide additional information about Medicare Insurance plans.

    Unbiased, Free Advice on Medicare

    We work with individuals turning 65, or have enrolled in Medicare but would like to know more about Medicare Advantage and Supplement Plans.  We also offer Medicare Part D (prescription) plans.  Because Medicare is complex, one of our goals is to guide you through your initial enrollment and help you sort through your multiple options as a Medicare recipient.  Our main goal however is to save you money on your healthcare costs with the right plan that fits your needs and budget.

    We have thirty years of experience and work with many top quality carriers, which allows us to take an unbiased approach in finding solutions that are right for you.

    Our expert guidance is FREE, for the following Medicare products we offer.

    Medicare Advantage Plans are offered by private carriers and replace your original Medicare Parts A and B, as they are rolled into one plan.  Note you must already be enrolled in Medicare Parts A & B to switch to a Medicare Advantage Plan.

    Much like regular insurance, you can select different plan types, such as a Health Maintenance Organization (HMO), or a Preferred Provider Organization (PPO), or a Medicare Medical Savings Account Plan. Premiums will vary, based on coverage, carrier and geographical location.

    We are familiar with many of the quality carriers who offer Medicare Advantage and can help you select a carrier/plan for your needs and budget.

    To get more information or request a quote, please fill out the form to the left and we will contact you soon.

    Medicare Supplement Insurance policies complement and fill in the gaps of your Original Medicare Parts A and B. They cover some, if not all, of the expenses that Part A and B do not cover, like co-pays, deductibles and other charges.

    There are many different types of Medicare Supplement policies available, yet they are regulated so the benefits for these various policies (known as Plan A through N), are all the same regardless of the carrier.  However, premiums can vary greatly among carriers.

    Ultimately, the best Supplement Plan is one that is purchased from a quality carrier, has a low premium and leaves you with the least or no out of pocket expenses.

    We are familiar with all of the various Supplement Plans available and can help you select a carrier/plan for your needs and budget.

    To get more information or request a quote, please fill out the form to the left and we will contact you soon.

    Medicare Part D adds prescription drug coverage to Original Medicare and is offered through private insurance companies that are contracted and approved by Medicare.

    Premiums can vary greatly between the numerous options and carriers, therefore it’s necessary to carefully weigh your prescription costs against all variables of these plans. Selecting the wrong plan can wind up costing you thousands.

    Medicare Advantage Plans may also offer prescription drug coverage that follows the same rules as Medicare Prescription Drug Plans.

    NOTICE:  Once you are eligible for Medicare, do not wait to enroll in a Medicare Part D Plan or you could end up paying a penalty every month.

    We are familiar with the various Part D Plans available and can help you select the best plan for your needs and budget.

    To get more information or request a quote, please fill out the form to the left and we will contact you soon.

    More About the Medicare Insurance Program

    Medicare is the federal health insurance program for people who are 65 or older.  The different parts of Medicare help cover specific services:

    Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

    Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services.  Most people will pay a standard Part B premium which varies depending on income.

    Medicare Advantage Plans (Part C) roll Part A & B into one plan and have several options that may provide more coverage than your original Medicare.

    Medicare Supplements work together with your original Medicare to cover things like your deductible, co-pays and other out-of-pocket expenses.

    Medicare Part D adds prescription drug coverage to your original Medicare.

    To sign up for original Medicare Parts A & B, along with Part D, most people will have an Initial Enrollment Period which is a 7 month period around the time they turn age 65. This period begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.

    Once  your Initial Enrollment Period is over, if you wish to change or purchase Advantage or Part D Plans, you must act during the open enrollment period, which is October 15 through December 7 annually.

    If you missed the deadline, you may qualify to enroll outside of the open enrollment period.

    Once enrolled in Medicare, if you wish to change or purchase Medicare Advantage and Part D Plans, you must act during the open enrollment period.

    You can purchase Supplements year round, but you can skip medical underwriting if done during open enrollment.

    When open enrollment is closed, there are special circumstances in which one may qualify to enroll outside of the enrollment period. Listed below are the qualifying events:

    • You are turning 65
    • You move to a new area that is not in your current plan’s service area
    • Recently moved back to the US
    • You lose your current coverage (either Group or Medicaid)
    • You now need a SNP (Special Needs Plan) or you no longer need a SNP

    Information obtained from

    Benefits: The benefit information provided herein is a brief summary, not a comprehensive description of benefits and may contain inaccuracies. For more information contact the plan. Limitations, copayments, and restrictions may apply.
    Agent: Balanced Rock Insurance Agency, Inc. is a licensed insurance agency authorized to market Medicare health plans. This is a solicitation for insurance. Please note you have no guarantee issue. Offerings of insurance are made based only on submitted applications.

    Neither Balanced Rock Insurance Agency, Inc., nor its agents, are connected with the Federal Medicare program.