Forbes Magazine Gives Seniors Advice to Save Hundreds of Dollars during Open Enrollment Period

Forbes Magazine has long been recognized as an important resource to the savvy investor. This week, the leading finance magazine weighed in on the importance of shopping carefully during the Open Enrollment Period, the time of year when individuals with Medicare are able to make important changes to their healthcare coverage. Open Enrollment runs from October 15th to December 7th, and provides seniors with the opportunity to adjust their coverage, add dental and prescription drug coverage, and lower their monthly premiums. According to Forbes Magazine, hundreds or thousands of dollars of savings are available during this important period.
SeniorQuote is all about saving money. That is why we founded the company – to provide you with a trusted resource to comparison shop a wide-range of insurance carriers and health insurance coverage plans to find the monthly premium that best fits your budget. Our licensed agents are available to answer all of your questions and help you make the right decision for your family.
We recommend reading the full article, linked above. Forbes provide the following facts and tips for protecting yourself and realizing significant savings during Open Enrollment:

Forbes Facts:

  • 86% of seniors are confused about Open Enrollment and their Medicare Options
  • The government shut-down caused issues with the website, adding to the confusion
  • There are a number of fraudulent companies and individuals preying on seniors during the Open Enrollment Period
  • Forbes reviews the premium increases planned for Medicare in 2014 and the impact of Obama Care

Forbes Tips:
Tip #1: Don’t take a call from someone you don’t know or trust offering to help you navigate Medicare plans.

Tip #2: Don’t give out any personal information, such as your Medicare number, to unsolicited callers.

Tip #3: Don’t toss the mail you received from your health insurer and competing firms about your 2014 Medicare plan.

Tip #4: Don’t assume that you (or your spouse) have the most appropriate Medicare plan.

Tip #5: Do review your current carrier’s Medicare plan for 2014 to ensure you understand the pending changes. 

Tip #6:
Do understand that you may not necessarily be able to switch from your Medicare Advantage plan to a traditional Medicare plan plus a Medigap plan.

Tip #7:
Do study any changes in your plan’s drug coverage and cost (Part D, if you have traditional Medicare).

Tip #8
  Do seek expert help if you need it. We agree. And our experts at SeniorQuote are here to help.

Tip # 9:
Do take your time, but be sure to make your choices before open enrollment ends.
We couldn’t agree more. Enjoy the article. And enjoy the Open Enrollment Period. This is your best opportunity to save money and improve your health coverage.

SeniorQuote Supports Customers through Unique Business Model

Company offers Field and Call Center Support with Hiring of Insurance Veterans
Gina Carlini and Bryan Swearinger

San Diego, Calif. (October 7, 2013) – SeniorQuote Insurance Services has developed a unique business model designed to offer the most comprehensive support for seniors seeking healthcare coverage. With the addition of insurance veteran Gina Carlini as Director of Sales, SeniorQuote has developed a customer support call center that allows seniors from around the country to speak with a team of experienced professionals and ask a wide range of questions about their healthcare needs. SeniorQuote further expanded their support capabilities by building an experienced field service team under the direction of their field sales manager, Bryan Swearinger, an experienced insurance executive.

“It is very rewarding to see our vision coming together,” said SeniorQuote Founder and CEO, William Haynor. “We wanted to create a new kind of healthcare insurance company for seniors that provides them with support and guidance to ensure that they receive the best possible health insurance at the lowest price. By hiring two very experienced insurance professionals, Gina Carlini to build our call center and Bryan Swearinger to build our field support team, we are able to help seniors comparison shop by phone and in person. It is a very unique business model that provides seniors with incredible access to information on their health coverage options.”

SeniorQuote’s comparison service is another unique feature not available through most insurance providers. The San Diego-based company allows seniors and their families to cross-shop multiple carriers for Medicare Supplement and Medicare Advantage Plans, with the support and guidance of an experienced team of insurance professionals.  While most insurance providers offer plans from a single insurance carrier, SeniorQuote represents several of the highest-rated insurance companies in the nation, allowing their customers the freedom to choose the supplemental health insurance that best fits their needs.

“Seniors are looking for more options for their Medicare Supplement and Advantage insurance plans,” said Haynor, age 72, a business leader with more than 40-years of experience in the insurance industry. “SeniorQuote gives them the opportunity to compare the healthcare plans from all of the top-rated insurance carriers. They can compare the costs and coverage from a licensed professional over the phone or in person, then choose the plan that best fits their budget and health needs.”

SeniorQuote, founded in 2001, offers comparison shopping services in over 30 states, including Ohio, Nevada, Florida and California.  The company continues to expand its service reach by licensing in new states, like Oregon and New Jersey, and adding field service and call center agents. SeniorQuote plans to expand its services throughout all of the states by year end.

About SeniorQuote Insurance Services, Inc.
SeniorQuote Insurance Services, Inc., headquartered in San Diego, California, is a Medicare Supplement and Advantage insurance agency founded for the singular purpose of helping seniors find the perfect insurance coverage for their personal needs.  The company, founded by veteran insurance executive William Haynor, offers Medicare Supplement and Advantage products from several of the nation’s leading and most respected carriers, through a team of licensed, experienced, and  highly trained customer associates.  To learn more about the company and the carriers represented, visit

Open Enrollment Clarified

As Medicare Open Enrollment approaches, there still seems to be lots of confusion surrounding whether or not this traditional open enrollment period is integrated into ACA (Obamacare) open enrollment.  The short answer is no.  While both open enrollment periods overlap each other, adding to the confusion, they are separate programs and will remain separate enrollment events.

If you are 65+ or about to be 65, your Medicare will remain unaffected by ACA(Obamacare).  You still get basic parts A and B, and still get to change/add additional coverage from private insurers during the Medicare Open Enrollment period.  This period was and is still designed to let seniors add additional coverage, while keeping them from purchasing insurance only when their health declines.  It is essentially a way for insurance providers and insurance holders to “play” fairly and not take advantage of the system.  This period is highly regulated and also protects seniors against uncertified, unlicensed, and unethical insurance practices and companies.  The Medicare Open Enrollment period begins Oct 15th and runs through Dec 7th.

The ACA(Obamacare) Open Enrollment period is different, and is for individuals that are not currently insured or looking to change insurance plans.  These people are UNDER 65 and NOT enrolled in Medicare or a Medicare Advantage plan.  If you are a senior reading this or are taking care of a senior, make sure you note this difference or consult with a Medicare specialist if you are still confused.  The Open Enrollment Period for ACA(Obamacare) is October 1st through March 31st.

If you need help during the Open Enrollment period adding or changing additional coverage like Medicare Supplements, Medicare Advantage plans, or Medigap plans, please give us a call.  We not only provide information about different plans, but provide quotes from all of the major carriers as well.  Call 1-888-278-5126 to speak with a SeniorQuote representative today.