Healthcare Open Enrollment is here.
Medicare Oct 15-Dec 7
Marketplace Nov 1- Dec15
Did you know new this year: Medicare Advantage Open Enrollment Period (MA OEP) You can drop or switch your Medicare Advantage plans once between January 1st through March 31st. So we will continue to help people not happy with their plan get a better plan at this time.
If you are turning 65, we teach you Medicare 101 and go through ALL your options which can save you many thousand of dollars if done correctly. We correct mistakes that people make every day. We can be your personal Medicare expert and will always have your back.
This year promises to be more confusing than any previous year. There are too many changes to note here but most people will see changes for next year and be paying more for several reasons.
Consumers who do not have an agent listed on their application will be on their own, to navigate all the changes. Do Not call in your own application or do it online by yourself this year. Call us and we will assign a licensed agent that will get you FREE personal professional help from our independent agency all year long. Completing your application with us can be completed correctly in a few easy minutes. This will not increase the price.
Ask us about the Blue Cross Lite plan for 2020. It tastes great and is less filling. We can make the switch for you with a 5 minute phone call and you will save with this plan. Members not receiving a subsidy will save money by purchasing through our agency because there are mirror plans that are less expensive by not purchasing through the marketplace. Blue Cross has told us to remind people that payment is due by the first of the month (no more grace period). If you are late twice you will be dropped. If you are dropped the we will help you with the other options until the next open enrollment. Pay your first bill for Jan in the beginning of Dec to get your ID cards in time.
Exciting News: All year long we can offer less expensive Health Insurance plans that are now available for up to 12 months durations for people with no pre-existing conditions. The prices of these options are about 1/3 the price of traditional plans, so many people will save a lot of money next year with these options. There are low priced stand-alone Accident, Hospital Indemnity, and Cancer plans that will cover deductibles that are great add-on options.
New small employer plans are available with many enhancements from IBX for 2020 for groups of 2-50.
Large Employer penalties still apply for employers with 50 or more full-time employees.
Medicare Supplement Plans F and C are being discontinued as of Jan 1, 2020, so if you have these plans call us now to switch if you can. Switching can save you hundreds of dollars without reducing benefits noticeably. You can switch all year long (no open enrollment for this).
We have a new HOME CARE policy that will pay up to $750/week for someone needing help in their home if requested by a MD. This is much less expensive than Long term care (which we also have) and has a nursing home option.
Bottom line –You can still get FREE help from our licensed agents. Insurance Shops are expert independent brokers and offer almost all the options most companies at no additional charge. We are your friendly local full-service insurance experts offering all insurance products through hundreds of companies that you know and love.
Insurance Shops was again named an Elite Marketplace Circle of Champions for 2019 and again named a Best of Bucks 2019.
All year long we save people on their Auto, Home, and business insurance. Give us a try and get some Free quotes to see how much you can save. Call now and book your phone or in person appointments with the experts.
Call us: 215-613-4999