Frequently Asked Questions
Your most common questions about navigating Medicare, answered. We believe in providing clear, honest information to help you make the best choice.
Why do I need an agent? Can't I just enroll myself online?
You certainly can, but the world of Medicare is incredibly complex, and a simple mistake can be costly. As your licensed agent, I act as your personal advocate. I have the insider knowledge to compare dozens of plans from multiple carriers to find the one that is truly tailor-made for your specific health needs and budget—all at no cost to you. My goal is to save you time, prevent costly errors, and give you the peace of mind that you've made the absolute best choice.
How do I avoid the Medicare late enrollment penalty?
The late enrollment penalty is a common fear, and we can help you avoid it. The key is to enroll during your Initial Enrollment Period (IEP), which is the 7-month window around your 65th birthday. If you miss this window and don't have other qualifying coverage (like from an employer), you could face a lifelong penalty. We will guide you through the timelines to ensure you enroll correctly and on time.
What is the difference between Original Medicare and a Medicare Advantage plan?
This is a great question. In simple terms, Original Medicare (Part A and B) is the traditional, government-run program. A Medicare Advantage plan (Part C) is an all-in-one alternative offered by private insurance companies (like UnitedHealthcare) that bundles Part A, B, and often D (prescriptions). Each has its own pros and cons regarding networks, costs, and extra benefits. Part of our process is to help you understand this difference and decide which path is right for you.
What will this cost me? Is your service really free?
Yes, our guidance and enrollment services are provided at absolutely no cost to you. As independent agents, we are compensated directly by the insurance carriers if you decide to enroll in a plan. This allows us to offer our expert, unbiased advice without charging you any fees.
I'm getting so many calls and letters. How do I know who to trust?
This is the most common frustration we hear. During Open Enrollment, the noise can be overwhelming. The best way to know who to trust is to work with a licensed, certified, and local agent who takes the time to understand you personally. We are not a call center; we are your dedicated advocate, committed to protecting you from the pressure and finding the right plan for your needs, not a salesperson's quota.
Still Have Questions?
Every situation is unique, and we're here to provide the personal answers you deserve. The best way to get clarity is to have a simple, friendly conversation.
Easy Coverage Solutions
525 Route 73 North, Suite 104
Marlton, NJ 08053
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Ensuring you get the right coverage without the confusion.