All consultations and plan analysis are completely free. If you choose to enroll in a plan, the insurance company pays Jenell a commission - never you.
Most clients have their personalized analysis within 2-3 business days. The entire process from consultation to enrollment typically takes 1-2 weeks.
Absolutely not. There's no obligation to purchase any plan. My goal is to help you make the best decision for your situation.
Just bring a list of your current medications, your preferred doctors, and any questions you have. Jenell will guide you through everything else.
Part A covers hospital stays (usually premium-free), Part B covers doctor visits and outpatient services, Part C is Medicare Advantage (alternative to A+B), and Part D covers prescription drugs. You need A and B or C, plus D for complete coverage.
Yes, during the Annual Open Enrollment Period (October 15 - December 7), you can switch between Original Medicare and Medicare Advantage, change Advantage plans, or add/drop prescription drug coverage. Some Special Enrollment Periods may also allow changes outside this window.
Yes, it's recommended. Without Part D or creditable coverage, you'll face a permanent late enrollment penalty of 1% of the national base premium for each month you delay, even if you never use it.
No for Medicare Advantage plans - they must accept everyone during enrollment periods. For Medigap plans, you have guaranteed acceptance only during your 6-month open enrollment period when you first get Part B.
Original Medicare and most Medigap plans work nationwide. However, Medicare Advantage plans are location-specific, so you'll need to switch plans. You qualify for a Special Enrollment Period when moving.
Check Medicare.gov's provider directory [https://www.medicare.gov/care-compare/] or call your doctor's office directly. Most doctors accept Original Medicare, but Medicare Advantage plans have specific networks you must verify.
Yes, but timing depends on your employer size. With 20+ employees, you can delay Part B without penalty. With fewer than 20 employees, Medicare becomes primary and you should enroll to avoid gaps in coverage.
Medicare doesn't cover long-term care, most dental care, eye exams for glasses, hearing aids, cosmetic surgery, or care outside the U.S. (with limited exceptions). Many choose supplemental insurance for these gaps.
Start with your plan's internal appeal process within 60 days. If denied, you can request an independent review. For Original Medicare, contact 1-800-MEDICARE. Each level has specific timeframes and procedures.