Should I Let My Individual Health Plan Automatically Renew?
Automatic renewal is a common feature of most individual health insurance plans, because it’s convenient and you
Medicare Supplements are available to individuals who receive Medicare. This type of supplemental insurance is also known as Medigap. Medicare Supplement Insurance helps members of Original Medicare to ‘fill in the gaps’ of their coverage.
Many people have questions about whether Medicare has any dental, vision, and hearing plans. The unfortunate reality is that Medicare doesn’t cover basic examinations for any of them. What’s worse is that Medicare doesn’t cover copays that deal with the health of your ears, smile, and eyes. So, it is important to seek out coverage for these essential health costs.
And there are plenty of affordable policy options available.
Individual health insurance policies are those that you buy on your own. They are not part of employer health plans. These plans can cover a single person or an entire family.
The landscape of Individual health insurance policies changed in 2014 with the passing of the Affordable Health Care Act (ACA). The ACA standardized and increased the benefits provided by these policies and offered Americans more policy options. This law also guaranteed coverage for individuals and offered subsidies to help people afford the insurance coverage they deserve.
Cancer plans can literally be a lifesaver.
Being diagnosed with cancer is accompanied by many unexpected expenses, including examinations, medical care visits, and expensive treatments. So, while you and your family face severe emotional challenges, financial stress often adds to this trying situation.
Cancer is a growing problem around the world. And cancer treatment is extremely expensive.
Final expense insurance, also known as burial insurance, provides your loved ones with peace of mind after your death. Money is paid to your beneficiary that can be used to pay for funeral expenses or whatever needs arise.
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Automatic renewal is a common feature of most individual health insurance plans, because it’s convenient and you
When should you apply for a Medicare Advantage Plan
Initial Enrollment Period (IEP): When you are first eligible for Medicare, you have what is called an Initial Enrollment Period (IEP). That’s when you can enroll in Medicare Part A and Part B, or when you’re automatically enrolled. During this period, you can also decide whether or not to enroll in a Medicare Advantage plan.
Open Enrollment Period (OEP): Every year Medicare has an Open Enrollment Period that runs from October 15 to December 7. During this time frame, you can sign up for a Medicare Advantage plan, switch from one Medicare Advantage plan to another, or drop your plan and return to Original Medicare (Part A and Part B). Also called the Annual Election Period (AEP).
Special Enrollment Period (SEP): In certain cases, you might qualify for a Special Enrollment Period to sign up for a Medicare Advantage plan. There are several things that can bring about an SEP, and they are unique to an individual’s circumstance, such as loss of employee coverage, moving outside of your Medicare Advantage plan’s service area, or qualifying for extra help.
Generally, during this time you can make changes to your Medicare Advantage plan or return back to Original Medicare.
Make sure to speak to a licensed Medicare insurance agent to find out if you qualify for a Special Election Period.
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