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Health Insurance for Medicare Eligible

Call a licensed agent today for a free consultation at:
1-(888) 336-8100
Medicare Advantage and Supplement plans are a little complex. To find the best plan for yourself you have to know all the carriers, which ones service your area, which ones have your favorite doctors available, which ones cover your medications the best, etc.

That's why it is often helpful to have a licensed insurance agent to help you understand the complexities of how these plans work, and help you find which plan is best for you. Affordable Healthplans agents do extensive research to find you the best plan that suit your needs and your budget. Our services are paid for by the insurance companies at no cost to you. There is absolutely no pressure with any agent, and we will always put your needs above our own.

If you become part of our "client family" we will try to insure you have the best coverage year after year, and will help you understand the best way to utilize your plan, and keep yourself healthy and financially secure year after year.

Please click on the logos, to get quotes, plan information, even apply online with these carriers. It is suggested you talk to a licensed agent first (it's free) to help you decide which plan is best for you at 1-888-336-8100

Medicare Frequently Asked Questions (FAQ's)
Q: I just got a letter telling me I qualify for Medicare, how long do I have to get a policy?
A: You have 3 months prior to your birthday, the month of your birthday, and 3 months after your birthday to select a plan.

Q: What is "open enrollment"?
A: It's a period of time from October 15th to December 7th where you can change your Medicare plan with guaranteed issuance.

Q: What is the penalty if I don't take Plan D (prescription drug coverage) when it is first offered to me?
A: You pay a 1% penalty per month of the average cost of a Plan D premium.

Q: What is the difference between an HMO and a PPO?
A: An HMO is typically a Medicare advantage plan. With that plan you select a primary care physician who will coordinate your care. Referrals are at their discretion, and almost always within their medical group. There are lower out-of-pocket costs typically associated with an HMO plan. A PPO plan allows you to self refer out to specialists within a PPO network. It also has coverage outside of a PPO network, with additional out-of-pocket expenses.

Q: What do these plans cover in addition to regular Medicare?
A: Advantage plans replace your original Medicare and offer you all of part A & B coverage, and sometimes part D coverage. Plus most plans offer reduced costs and additional benefits not included in original Medicare. Supplement plans work with Medicare and usually cover "gaps" in coverage.
Q: How do I pick the plan that is best for me?
A: You could do your own research, however most people have a difficult time understanding the complexities of the Medicare system and all the choices available. A licensed agent can do research for you, explain how your plans would work in simple language, and also be a resource for you in the future, at no cost to you.

Q: What do I need to qualify for a Medicare supplement or advantage plan?
A: For Advantage plans you need to have both part A & B Medicare coverage, for supplements you need to be qualified for, or on part A, and/or have part B. The only decline for health issues during an open enrollment period is end stage renal disease (which usually involves dialysis).

Q: Can I save money by going directly to a carrier or the biggest insurance agency I can find?
A: No, everyone charges the same amount for the same coverage, as mandated by law.

Q: How often can I change my plan?
A: You can do it annually at the open enrollment period for Medicare advantage plans, and all year long for Medicare supplement plans (note: you must qualify with acceptable health requirement to switch PPO plans outside of open enrollment period).

Q: If I switch Medicare Advantage plans, what do I have to do to cancel my old advantage plan?
A: Once you enroll in another Medicare Advantage plan, you are automatically disenrolled from your previous plan.