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MEDICARE HEALTH PLANS

       Medicare Advantage Plan marketing is carefully regulated by The Center for Medicare & Medicaid Services. On this page I will only talk generally about Medicare health plans, and invite you to contact me should you like my recommendations and additional information.

      

Medicare Advantage Annual Election Period (AEP)
October 15 to December 7, 2019


 

     The Annual Election Period (AEP) is the time when you can change your Medicare Advantage and/or Medicare Part D prescription drug coverage plan.  New coverage will begin January 1, 2020. 

     Each year you can review all Medicare Health Plans offered in your county by visiting the website http://www.medicare.gov  and clicking on the green link titled "Find Health & Drug Plans".   You can also review the stand-alone Part D prescription drug plans being offered on this site. 

     I represent the Medicare Advantage plans  in Oregon offered by United HealthCare, HealthNet, Aetna, Providence, and Regence.   I can quote about 10 companies for  Medigap (Medicare Supplement) Plans in Oregon.

 

OPEN ENROLLMENT PERIOD (OEP)
January 1-March 31

    After the AEP period ends, there is a second chance to make a change to your Medicare Advantage plans.  This period will be called the Open Enrollment Period and run from January 1 to March 31, 2020. 

     During this time you can make a one-time switch to a different Medicare Advantage plan, or disenroll from your Medicare Advantage plan and return to Original Medicare and select a stand alone Part D Medicare Prescription drug plan.

SIGNING UP FOR PART A AND B MEDICARE

     To sign up for a Medicare health plan, you must have both A and B of Medicare.  If you are within 3 months of turning age 65 you can sign up for Part A and B of Medicare by clicking on the Social Security link below.  You can also call Social Security at 800-772-1213 to sign up by phone,  or make an appointment at your local Social Security office.

https://www.ssa.gov/medicare/
 

Medicare Advantage Health Plans 

     If you would like to discuss my recommendations for Medicare Advantage Plans, you are welcome to call me at 503-650-4325 to request information or schedule a no-obligation time to talk.  

 

 Medigap Plans (Also called Medicare Supplements)

    For those preferring Original Medicare with a Medigap Plan, I represent multiple carriers in Oregon.  Popular Medigap plans include plans F, G, and N.

    Unlike a Medicare Advantage plan, you can apply for a Medigap plan anytime, but acceptance is not guaranteed except during a guaranteed-issue period.   If you are on a Medicare Advantage plan, you need to wait until either the AEP or OEP periods discussed above to leave and apply.

To learn more about Medigap plans you can read the Medicare Guide at the link below;

https://www.medicare.gov/Pubs/pdf/02110-Medicare-Medigap.guide.pdf

 

SPECIAL "BIRTHDAY RULE"  FOR THOSE ON MEDIGAP PLANS 

    For those with an existing Medigap plan in Oregon, a special 'birthday rule' applies which allows you to change to another company (identical plan only) the month before and the month after your birthday month.  

    For example, if you have a Plan F with Company A, you could switch to another plan F with Company B with no medical underwriting. This may allow you to lower your premium.  This can be done the month of your birthday.              

PART D  STAND-ALONE PRESCRIPTION DRUG COVERAGE

    If you have a Medigap Plan you may choose to enroll in a Part D prescription drug plan. You can view the Part D plans in your area by clicking on the blue link below:

https://www.medicare.gov/find-a-plan/questions/home.aspx

     I represent 2 of the top Part D plans in Oregon.

 

 WORKING WITH A BROKER

     There is no direct cost to working with a Broker as I am paid directly by the insurance carrier should you sign up for a plan and appoint me as your agent on the application.  I would be happy to sit down with you to answer your questions and share information on the plans I recommend, or mail or email you the information to review on your own. I cannot directly contact you without you contacting me first.  My phone number is 503-650-4325.

 

CONTACT INFO

Call Dan Neils at 503-650-4325  if you have questions or would like to schedule a meeting. You can also email me at danneils@gmail.com   My fax number is 503-863-3821 and you can my mailing address is

AGAPE INSURANCE  19652 McCord Rd.  Oregon City, OR 97045

 

 last updated 10/01/2019