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"Neither Healthkey Insurance Services nor Debbie Sharpe is connected with the Federal Medicare Program."
The Centers for Medicare and Medicaid Services (CMS) requires agents to have you sign a document called the Scope of Sales Appointment Confirmation Form prior to a one on one meeting with the agent so that you understand what is being discussed between you and the agent. This is designed for marketing Medicare Advantage plans and Part D Prescription Drug plans and it is for your protection.
What is a Scope of Appointment?
A Part D prescription Drug plan is a stand alone policy that is offered along with your Medicare Supplement Plan. Medicare Supplements do not have prescription drug benefits unlike Medicare Advantage Plans. Like Medicare Advantage plans, Part D Rx plans are offered when you turn 65 or otherwise become eligible for Medicare, during Open Enrollment (Annual Enrollment Period or AEP) October 15th - December 7th and other SEP's or Special Election Periods. It is important to understand that if you do not take part in a qualified prescription drug plan when you become eligible, you will incur a monthly penalty in addition to your premium if you choose to participate at a later date.
Part D Prescription Drug Plan
It is a difficult decision to purchase Long Term Care Insurance, however, an important one. Whether you have a physical illness, a disability, or a cognitive impairment ( such as Alzheimers disease) often needs long-term care. There are many different services available for help with ADL's or activities of daily living such as home health care, respite care, hospice care, or adult day care that can be very costly. Care may be given in a nursing home, an assisted living facility, hospice facility or your home. Medicare covers very little with regard to this type of care. Depending on your level of care you could be paying over $90,000 per year in a facility and much more for 24 hour care by a home health agency. Relying on family members in most instances is not an option so we will guide you and put you in contact with industry Long Term Care Insurance leaders so you can protect yourself, family and estate.
Long Term Care Insurance
Medicare Advantage Plans are offered by private insurance companies and cover the same services as original Medicare and sometimes include Prescription Drug coverage. Many of these programs are network based. You can enroll during your initial enrollment period when you turn 65, become eligible for Medicare or when you retire and leave an employer plan. Outside of initital enrollment or a Special election period that may qualify you to enroll, you may enroll during Open Enrollment (Annual Enrollment Period or AEP) October 15th - December 7th. You do have the opportunity to add, drop or switch your Medicare advantage plan coverage during this enrollment annually.
Medicare Advantage Plans
If you are new to Medicare Debbie can guide you step by step with what original Medicare doesn't cover, like deductibles, copayments, and coinsurance. Debbie will also review the benefits and features with you of "Medigap policies" or Medicare Supplements and will offer you a quality program. As an independent agent, Debbie can offer quotes from multiple, highly rated insurance companies that best meets your needs and budget. Feel free to give her a call today and set up a one on one confidential appointment.
Medicare Supplement Insurance Plans