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Frequently Asked Questions
If a question you have is not shown below please contact us to get yours answered
How does Medicare work, and when should I enroll?
A: Medicare is a federal health insurance program for people aged 65 and older, as well as certain younger individuals with disabilities. It consists of Part A (hospital insurance) and Part B (medical insurance). You can enroll during the Initial Enrollment Period (IEP), which starts three months before you turn 65 and lasts for seven months.
Q: What are the key benefits of having a health insurance plan?
A: Health insurance provides financial protection against high medical costs. It covers hospital stays, doctor visits, preventive care, prescription drugs, and more. Having health insurance ensures that you can access necessary medical care without facing significant financial burdens.
Q: Can I change my Medicare plan, and if so, when?
A: Yes, you can change your Medicare Advantage or Medicare prescription drug plan during the Annual Enrollment Period (AEP), which runs from October 15 to December 7 each year. During this time, you can switch plans to better suit your healthcare needs. Certain events can cause a special election period that will give you the opportunity as well. Check with an agent to see if you have a Special Election Period(SEP) available
Q: What is the difference between term life insurance and whole life insurance?
A: Term life insurance provides coverage for a specific term, usually 10, 20, or 30 years, and pays a death benefit if the policyholder passes away during that term. Whole life insurance, on the other hand, covers the insured for their entire life and includes a cash value component that grows over time.
Q: What factors should I consider when choosing a life insurance policy?
A: When choosing a life insurance policy, consider factors such as your financial goals, the amount of coverage you need, your budget, and the length of coverage. Term life insurance may be more affordable, while whole life insurance offers lifelong coverage and a cash value component.
Q: How does long-term care insurance work, and who should consider it?
A: Long-term care insurance helps cover the costs of care for individuals who can't perform certain activities of daily living or require assistance due to chronic illness or disability. It can cover in-home care, assisted living, and nursing home care. Individuals who want to protect their assets and have a plan for potential long-term care expenses should consider long-term care insurance. Remember that answers may vary based on specific insurance policies, regulations, and individual circumstances, so it's crucial to provide personalized advice based on the client's needs and situation.
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