Depending on the size of your employer and the type of insurance coverage you have at work you might be able to delay enrolling into Medicare. It’s important to make sure you understand your situation correctly in order to avoid any late enrollment penalties, therefore we recommend reaching out to either our office or your HR department to discuss your scenario.
Short answer = no , it does not cost you to have an agent. Our office does not charge anything to work with you. We are paid by the different insurance companies if you decide to enroll in a plan and we assist you with the application. Having an agent does not affect your coverage or premiums and then it allows us to be there for you in the future if you have any questions about your plan or benefits.
Part D is not required, however if you don’t enroll into Part D when you’re first eligible for Medicare or have a gap in credible coverage, then you are subject to a late enrollment penalty . Therefore, we recommend you enroll into Part D in order to avoid the penalty. Keep in mind that the late enrollment penalty does not go away and you generally will have to pay it as long as you have Medicare drug coverage.
Our office gets this question about how good their friends and neighbors’ insurance has helped them. We realize that everyone has a different situation between their health and financial background and that making a decision on insurance should be personal, and therefore our focus is to help you get the right coverage for your needs.
Most of the time if you are an established patient your doctor will continue to keep you as a patient. Our office is familiar with the providers in Colorado and Wyoming and can help guide you to make sure you are able to keep your doctor or make sure you have access to qualified providers.