Are You Ready? Open Enrollment only comes once a year.

As we move into fall, you can expect to hear more about Medicare. That’s because the Medicare Open Enrollment period begins on October 15 and continues through December 7th. This is your one opportunity each year to review your health care coverage and decide if you would like to make any changes in your plan or the cost of your monthly premiums.

You may hear a lot about the Health Insurance Marketplace this year. The Marketplace Open Enrollment period (October 1, 2013–March 31, 2014) overlaps with the Medicare Open Enrollment period (October 15–December 7, 2013). The Marketplace is designed to help people who don’t have any health coverage. According to Medicare officials, if you have health coverage through Medicare,the Marketplace won’t have any effect on your Medicare coverage.

Over the next few months, you will find a great deal of important information about Medicare through the mail, on your computer, on television and radio, and from trusted friends and neighbors.  SeniorQuote is here to help you navigate through all of your options to find the best possible coverage for the lowest possible cost.

SeniorQuote offers more than a single insurance plan or carrier. Our experienced, licensed agents are able to help you comparison shop the best supplement plans from all of the top-rated insurance carriers. We will assist you in selecting the plan that best fits your budget, while meeting the healthcare needs of you and your family.

As you enjoy these crisp fall days, take a moment and give us a call. We have answers to all of your healthcare insurance questions. Take charge of your healthcare insurance and select the best plan for you and your family.  The Open Enrollment Period is your time to act.

Call us at 1-800-922-7724

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.