Question 1

When can I enroll in Medicare?

Accepted Answer

Your Initial Enrollment Period (IEP) begins 3 months before your 65th birthday month and ends 3 months after. If you miss this window, you may have to wait for the General Enrollment Period (January 1 - March 31) or a Special Enrollment Period if you qualify.

Question 2

What is the difference between Medicare Advantage and Medicare Supplement?

Accepted Answer

Medicare Supplement (Medigap) works alongside Original Medicare to pay for out-of-pocket costs like deductibles and coinsurance, giving you the freedom to see any doctor who accepts Medicare. Medicare Advantage (Part C) replaces Original Medicare with a private plan, often including extras like dental and vision, but typically requires you to use a network of doctors.

Question 3

Who is eligible for ACA (Obamacare) subsidies?

Accepted Answer

Eligibility for ACA premium tax credits depends on your household income and family size. Generally, if your income is between 100% and 400% of the federal poverty level, you qualify for assistance.

Question 4

What is the difference between term and whole life insurance?

Accepted Answer

Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) and is typically more affordable. Whole life insurance provides permanent coverage for your entire life and includes a cash value component that grows over time.

Question 5

Does Health Plus One charge a fee for their services?

Accepted Answer

No, our services are completely free to you. As independent brokers, we are compensated by the insurance companies when we help you enroll in a plan.

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