Medicare supplement, Life, Dental Vision Hearing & Long Term Care Insurance applications can be made anytime of year and you can change any time of year. Medicare Advantage and Part D prescription Plans can only be changed during the Annual Enrollment Period which is October 15th Through December 7th. The exception is people who are aging into Medicare, losing other coverage or during initial open enrollment period due to disability.
Safe Harbor Insurance is a full service Medicare brokerage agency specializing in NC Medicare and SC Medicare plans. We can help you evaluate all your options so you can decide which plan best fits your needs and your budget. We know Medicare inside and out. We know how to make sure you get any extra benefits you may be eligible for. We can help you with Medicare, Medigap, Medicaid, Dental, Vision, Hearing, Life, Long Term Care and Annuties. And after we help you purchase insurance, we provide prompt personal service for you with whatever you need. Please give us a call today!
Those who have Original Medicare can have a SC Medicare Supplement coverage to pay some of what Medicare Part A and B doesn't. They are also entitled to enroll in a Part D prescription drug plan of their choice. Medicare supplement plans are available everywhere in the country. The premiums vary by state.
These plans are all in one plans except without the supplemental coverage. The premiums are less because they don't contain supplemental coverage. But they do have a safeguard called an annual out of pocket limit that protects you from catastrophic expense. And they have some extra benefits Medicare doesn't have such as case management. You pay less now and pay copays when you go to the doctor or hospital.
Medicare Advantage Plans have different costs and benefits depending upon what area you live in. You need the help of a licensed agent to compare all the benefits. We can help you.