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You’ll find plenty of helpful information and handy tools here to guide you through your healthcare journey—whether you’re a business owner looking to start a group plan, an individual shopping for coverage, or someone getting ready for Medicare. Our approach is straightforward and honest—delivering clear answers to your questions and concerns. Explore our collection of resources and feel free to reach out to us today.

Medicare

Frequently Asked Questions

  • Medicare is a federal health insurance program primarily for people who are 65 or older, some younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant).

  • Medicare has four parts: Part A (Hospital Insurance), Part B (Medical Insurance), Part C (Medicare Advantage), and Part D (Prescription Drug Coverage).

  • Generally, individuals who are 65 or older and U.S. citizens or legal residents who have lived in the United States for at least five continuous years are eligible for Medicare. Some younger people with disabilities and those with End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS) may also qualify.

  • Initial enrollment for Medicare typically begins three months before your 65th birthday and ends three months after. There are also special enrollment periods for those who qualify based on certain circumstances.

  • Yes, you can change your Medicare coverage during certain enrollment periods, such as the Annual Enrollment Period (October 15 to December 7) and the Medicare Advantage Open Enrollment Period (January 1 to March 31).

  • While Medicare provides coverage for many healthcare services, some individuals choose to supplement their coverage with a Medicare Supplement (Medigap) policy or enroll in a Medicare Advantage plan to fill gaps in coverage.

  • An individual healthcare plan, also known as individual health insurance, is a type of health insurance coverage that is purchased by an individual or family directly from an insurance company, rather than through an employer.

  • Individual healthcare plans typically cover a range of healthcare services, including doctor visits, hospitalization, prescription drugs, preventive care, and sometimes dental and vision care. The specific coverage may vary depending on the plan and insurance company.

  • When choosing an individual healthcare plan, it's essential to consider factors such as the monthly premium, deductible, co-payments, network of doctors and hospitals, coverage for prescription drugs, and any additional benefits or services offered by the plan.

Group Benefit

Frequently Asked Questions

  • A group health insurance plan provides coverage to a group of people, typically employees of a company or members of an organization, under a single policy.

  • Eligibility typically includes full-time employees, and in some cases, part-time employees or dependents such as spouses and children. Requirements may vary by plan and provider.

  • Group health insurance can improve employee satisfaction and retention, offer tax advantages to employers, and often provide better coverage at lower rates than individual plans.

  • Costs vary based on plan type, coverage level, number of employees, and other factors. Employers usually share the premium cost with employees.

  • Under the Affordable Care Act (ACA), employers with 50 or more full-time employees are required to offer health insurance or face potential penalties. Smaller businesses are not required to but often choose to as a competitive advantage.

  • Choosing the right group health insurance plan depends on your business size, budget, and the needs of your employees. Start by assessing what coverage your team values most—such as low deductibles, access to specific doctors, or comprehensive benefits. Then, compare plan types (like HMO, PPO, or high-deductible plans). Working with a licensed insurance agent can simplify the process and help you select a plan that balances affordability with quality coverage.

  • Employers typically designate an open enrollment period when employees can sign up or make changes. New hires may enroll during onboarding, and qualifying life events (like marriage or birth) can trigger special enrollment periods.

  • Employees who leave the company may be eligible to continue their coverage for a limited time under COBRA or state continuation laws, typically at their own expense