Medicare Enrollment Periods

The next open enrollment period will run from October 15, 2020 to December 7, 2020, for coverage effective in 2021. The Medicare Advantage open enrollment is January 1 – March 31. The Part A / Part B general enrollment period is January 1 – March 31.

When is Medigap’s open enrollment period?

Once you are enrolled in Medicare Part A and B, there is a six-month open enrollment period for Medigap (Medicare Supplement) plans. This window begins with your Part B effective date and is a one-time election period.

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When is the Medicare Initial Enrollment Period?

The Initial Enrollment Period (IEP) is the first time to sign up for Medicare and join Parts A, B, C and D during this time: 3 months before 65th birthday, Birthday month, and 3 months after birthday.

This happens with one exception: if your birthday is on the first of the month. This will cause your enrollment period to begin one month early. For example: if your birthday is October 1, your enrollment period will begin June 1 and your Medicare will begin one month early as well — September 1.

During your initial enrollment period, you can enroll in Original Medicare (Part A and B), Medicare Advantage plan, or Medicare Part D.

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I missed my Medicare enrollment period

If the Initial Enrollment Period or Special Enrollment Period is missed, there is another chance to enroll. Signing up for Medicare Parts A & B can also happen between January 1 and March 31 each year. Medicare coverage would begin on July 1 of the same year.

If you miss your initial enrollment period, there are a few penalties you’ll face. However, these only apply if you do not have any other coverage, such as employer coverage.
The penalties are as follows:
⦁ If you do not enroll in Part B during initial enrollment, you’ll pay a late enrollment penalty. The penalty is an extra 10% of your premium for every 12-month period you should have had Part B. That 10% is tacked on each month for as long as you have coverage.
⦁ If you don’t have Part D coverage and miss your enrollment period, you’ll pay a late enrollment penalty. The penalty is an extra 1% of your premium for as long as you have coverage.
⦁ Should you not qualify for free Part A coverage because you didn’t work long enough and you miss your enrollment period, you’ll pay an extra 10% of your premium for twice the number of years you didn’t have coverage.

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What if I have employer coverage?

Active employer coverage means you are still actively working, not retired. In this scenario, you have the right to remain on your employer’s group health insurance plan if you choose. Your Medicare benefits can coordinate with that coverage.

Many people work beyond age 65 and would like to continue their employer coverage instead of signing up for Medicare. This is fine and you will not be penalized. When you do retire, you will be able to sign up for Medicare during a Special Enrollment Period.

This enrollment period is eight months long that begins either the month you or your spouse quits working or the month your group coverage ends, whichever comes first.

What is a Medicare Special Enrollment Period?

There are a couple situations that allow you to enroll into Medicare during a Special Enrollment Period called (SEPs).

As discussed above, if you work beyond age 65 and have health coverage provided by your employer and you would like to continue instead of electing Medicare, you are allowed to delay enrollment without penalty.

Another example would be if you move outside of a plan’s service area. This would trigger a two-month enrollment period in which you could switch to a new Medicare Advantage or Part D prescription drug plan. You could also return to Original Medicare without penalty. Sometimes, you can also enroll into Medigap.

There are other unique situations in which you may also be eligible for a special enrollment period. You are welcome to contact your USAmeriCare licensed Medicare Specialist to learn what options are available for you.

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When can I enroll in Medicare Advantage or Medicare Part D?

The next open enrollment period will run from October 15, 2020 to December 7, 2020, for coverage effective in 2021. The Medicare Advantage open enrollment is January 1 – March 31. The Part A / Part B general enrollment period is January 1 – March 31

How Medicare Agents Are Paid

As an independent Medicare insurance broker, our job is to give you an unbiased opinion on differing Medicare plans. USAmeriCare is partnered with many different insurance carriers, we do not show favoritism to any carrier and represent YOU, not the insurance companies.

Independent Medicare brokers and insurance agents are paid by the insurance companies. Your monthly premium for your policy includes a commission built in for your agent. If you enroll through an agent (Medicare broker), the insurance company pays that commission, and you get all of the support provided by that agent.

You can rest assured that we have your best interest in mind and will recommend a plan that will not only fit in your budget, but provide you with proper healthcare coverage simply meeting your personal needs.

You do not pay USAmeriCare anything and your premiums do not increase because you have work with us.

How is an independent Medicare broker paid?

As an independent Medicare broker USAmeriCare is contracted with many different insurance carriers. The reason we do this is because we are then able to shop your policy through all the major carriers and many, “not so major” carriers and provide you with the most competitive price and coverage. Educated and informed shoppers know that we, as an independent broker can focus on educating our clients first, and then let them make the decision. This is the most ethical way we have found to do things. We want to earn your confidence…then the privilege of being your agent.

So, this is how the process works:

⦁ You visit our website, call or submit your request for Medicare information
⦁ We compare your rates with 20+ quality carriers
⦁ We, understanding your unique needs make recommendations
⦁ You choose the policy that meets your needs
⦁ We work with you through the enrollment process through to policy issue
⦁ We have earned your confidence and now the privilege of becoming your agent
⦁ We provide continuous support to ensure your confidence in our ability to provide the financial security you deserve and need.

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Why is working with an independent Medicare broker best?

Brokers make their living and build their credibility by making their clients happy, not by pushing one single company’s insurance products. For Medicare beneficiaries who want to find the plan that is right for them at the right price, choosing an independent licensed Medicare agent is the obvious choice.

At USAmeriCare, we help you understand Medicare and provide you with the information you need to make an informed educated decision.

We are also able to provide you with information like financial ratings and rate trends that you may not be able to find on your own.

And only independent brokers offer unbiased opinions on plans from different Medicare companies so you can feel comfortable and confident in your decision.

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Is your service really free?

Yes, you do not pay a dime for our help. The price you pay for a Medicare Advantage, Supplement, or Part D plan will be the same whether you buy it from the insurance company directly or whether you get it through an independent broker like USAmeriCare.

We make a commission from the insurance company for selling their products. That’s how Medicare agents are paid. If you buy direct, the insurance company keeps that commission and you don’t get the customer service that you want and deserve as a client of USAmeriCare.

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We want to help you find the best Medicare plan

USAmeriCare in Jacksonville, FL is a national independent insurance brokerage agency that specializes in Medicare. Our home and focus is on Jacksonville and the state of Florida. Led by James Cates and many agency management professionals the company is located at 8081 Philips Highway, Suite 10, Jacksonville, FL 32256. UsAmeriCare has agents licensed in all of the continental United States.

Through our national partnering with Amerilife we have over 50 years, dedicated to the Medicare markets and those relying on Medicare to provide a quality program of continued healthcare we are the “people’s choice! “Our well-trained and experienced agents are ready to answer questions about your Medicare insurance and put together a comprehensive plan to fit your needs.

Want more information about our insurance plans? Give us a call at 904-600-3650 or toll free at 800-691-2906. You can also fill out the form below and designate a “best day and time” for a return call. We don’t want to waste your time or ours. We will set up a time to review your existing policies and if, in your best interest, recommend any changes, if necessary.

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