Toll Free: 866-670-3432  --  Main Office: 724-603-3403

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News From The Health Insurance Store

Question: I’m turning 65 soon and my phone won’t stop ringing with people who want to sell me a Medicare plan. I’m also getting an enormous amount of mail. Why is this happening?

Answer: You aren’t the only one who has expressed frustration regarding this. I will answer your question and address how seniors can protect themselves from what I consider to be predatory sales practices as well as unscrupulous agents, who unfortunately are out there.

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Question: I’m going on Medicare soon and was considering a Supplement, but they don’t have dental or vision coverage like Advantage Plans. Can I buy those separately and if so, what company do you recommend?

Answer: This is one of the biggest concerns for those who are going on Medicare or currently enrolled. I’ll tell you the same thing I tell all potential clients. Dental and vision coverage isn’t necessary at all. There are so many other more important factors to consider when making your decision on Supplement vs Advantage Plan. Let me explain.

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Question: How many companies sell Supplements? Which companies and policies are the best?  

Answer: There are almost too many to count but I do keep tabs on them all. However, I’m only interested in enrolling clients with companies who offer lower premiums at policy inception and also keep them affordable over time. I will discuss that in more detail below.

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Question: My doctor just prescribed me a new medication. The plan I have doesn’t cover it. Is there anything I can do since I can’t change plans until next year?

Answer: There are plenty of ways to solve your dilemma. First of all, you may indeed be able to change to a plan that covers your drug prior to 2020. If you are currently enrolled in PACE or PACENET, or if you qualify and apply, you can change plans right away. For those readers who don’t know, these programs are designed to reduce the cost of medications for seniors. Income limits are as follows: $29,108/year for a single individual and $38,716/year for a married couple. Agents at either of our office locations can help you determine if you qualify and apply, and we never charge a fee for that service or any others we provide.

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Question: Are you required by law to sign up for Medicare and if you don't is there any type of penalty? Also, can you sign up for Medicare when you take social security?

Answer: This is a great question. Far too often people don’t get the correct advice or information regarding opting out of Medicare Part B. Let me answer these questions and give some examples of who should and shouldn’t opt out of Medicare.

First, you’re only eligible for Medicare at age 65 or 24 months after being awarded Social Security/Disability. Those who elect to collect Social Security prior to age 65 are not eligible.

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Erie County Area

1105 West 12th Street, Suite – A
Erie, PA 16501
Phone: 814-920-5275
Fax: 814-920-5276

Fayette/Westmoreland County Area

121 North Pittsburgh Street
Connellsville, PA. 15425
Phone: 724-603-3403
Fax: 724-603-3402

Pittsburgh Area

21 Yost Blvd., Forest Hills, PA 15221
Mailing Address: 128 Forest Hills Plaza, Pittsburgh, PA 15221
Phone: 412-349-8818
Fax: 878-302-3149

Albuquerque/Santa Fe, New Mexico Area

821 Coors Blvd. NW
Albuquerque, NM 87121
Phone: 505-200-0069
Fax: 505-200-0073

Serving These Areas

We proudly serve the health insurance and Medicare needs of the following Pennsylvania areas:  Connellsville, Uniontown, Greensburg, Mt. Pleasant, Scottdale, Irwin, N. Huntingdon, Murrysville, Monroeville, Plum, Lower Burrell, New Kensington, Pittsburgh, Plum, Oakmont, Penn Hills, Forest Hills, Wilkinsburg, East Liberty, Lawrenceville, Bloomfield, Natrona Heights, Leechburg, Washington, Morgantown WV, Latrobe, Monnessen, Jeanette, Erie, Edinboro, Northeast, Girard, Fairview, Union City, Harborcreek, Corey, Meadville, Waterford,  Ligonier, Kittaning, Somerset, Waynesburg, Fayette County, Westmoreland County, Armstrong County, Butler County, Somerset County, Erie County, Crawford County, Venango County, Allegheny Valley, Pennsylvania

We proudly serve the following New Mexico areas: Albuquerque, Rio Rancho, Sante Fe, Bernalillo, Belen, Los Lunas, Espanola, Moriarty, Corales, Tijeras, Cedar Crest, Edgewood, Soccoro, Sandoval County, Sante Fe County, Bernalillo County, Rio Arriba County, Valencia County, Soccoro County, New Mexico