Becoming Medicare eligible raises several important questions. Our enrollment specialists are AHIP and product certified and can assist with Medicare Advantage, Medicare Supplements and Part D coverage.

Still working? Medicare solutions are not just for the retired. Many adults are actively working beyond age 65 and a Medicare option could be more advantageous than employer-sponsored coverage. Our enrollment specialists have the knowledge to help you evaluate whether a Medicare Advantage or a Medicare Supplement and Part D coverage make more sense for your needs and budget.

Before calling, have this important information available:

• Cost of current employer coverage, if applicable
• Prescription(s) name, dosage and frequency
• Medicare ID number
• Effective date of Medicare Part A & B

The ACA requires health plans provide dependent coverage up to age 26. We can assist dependents turning 26 to find the best plan to fit their needs.

Premium price is important to young adults with a limited budget. But selecting an insurance plan strictly on price could result in disappointing and unexpected consequences if the terms of the plan aren’t understood. Our enrollment specialists will always search for the best-price coverage option, while highlighting benefits and limitations.

Employees who missed open enrollment, or who are in a waiting period, can secure short-term coverage. Plans are generally affordable and provide important protection for unexpected injuries and illness.

Short-term coverage can be in force for up to 90 days, with renewal options. Short-term plans require medical underwriting and some may cover pre-existing conditions or prescription drugs. For many, this coverage option is an important way to bridge the gap until more permanent health insurance can be put in place.

COBRA-eligible individuals can often secure individual coverage that is less expensive than the group COBRA rate.

Why pay more? COBRA law allows your COBRA administrator to charge 102% of the premium you pay for your employer-sponsored coverage. You can avoid the 2% surcharge by purchasing an individual or family plan either on or off the Health Insurance Marketplace. As an approved web broker for healthcare.gov, our Life Transitions team can help you determine if you’re eligible to receive a subsidy or premium tax credit to lower your premiums and out-of-pocket costs.

Depending on your family status, it may be most cost effective to secure individual coverage for your child, rather than pay the higher family rate associated with your employer plan.

Under the Affordable Care Act, the age of the insured is the most significant driver of premium cost. Newborns and children under 18 have the most competitive rates in the individual insurance market. The premium differential between an individual plan for your child(ren) and your employer plan may be worth evaluating.