Learn about what we offer

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There are two ways you can enroll in a Health Plan. 

1 - Open Enrollment Period - Open Enrollment is from November 1st - January 15th in Florida and the vast majority of other states. During this time you can change your current health plan and enroll into a new one for the new year. 

2 - Special Enrollment Period - There are special events that can occur during the year that allow you to change your Health plan. When these events occur, you have 60 days to enroll into a plan. These periods include the following:

• Loss of qualifying health coverage.
• Change in household size. (e.g. Marriage, Children)
• Permanent move.
• Certain changes in eligibility for Marketplace coverage or help paying for coverage.
• Enrollment or plan error.
• Other situations

There are five ways you can enroll in a Medicare Plan. 

1 - Under 65 Disability - If you have ALS (Amyotrophic Lateral Sclerosis, referred to as Lou Gehrig’s Disease), ESRD  (End-Stage Renal Disease) , or have been on Social Security  or Railroad disability for 24 months, you can enroll into Medicare.

2 - Initial Enrollment Period - When turning 65, this period begins 3 months before your birth-month and lasts for 7 months. During this time you can enroll in Medicare Part A, B, C, D, and  Medicare Supplement plans. If you want to enroll in a Medicare Supplement (Medigap) plan, you only have 6 months to complete your enrollment. 

3 - General Enrollment Period - If you miss your Initial Enrollment Period you will have to wait until the General Enrollment Period of January 1st - March 31st to enroll in Medicare Part A, B, C, D, and  Medicare Supplement plans.

4 - Annual Enrollment Period - This period runs from October 15th - December 7th for all states. During this time you can enroll into or change Medicare Advantage plans for the next year. 

5 - Special Enrollment Period - There are special events that can occur during the year that allow you to change your Medicare plan. When these events occur, you have a certain amount of time to enroll in another Medicare plan. These periods include the following:

• Loss of employer health coverage.
• Permanent move outside your current plan area.
• Involuntary loss of creditable drug coverage.
• Medicare + Medicaid -or- Low Income Subsidy beneficiaries wanting to change plans. Changes allowed once per quarter.
•  Gaining or losing Medicaid -or- Low Income Subsidy coverage.
• Leaving an employer/union group sponsored Medicare Advantage plan.
• Non-U.S. citizen who becomes lawfully present in the United States.
• Leaving Medicare Advantage Trial Period to go back to Medicare Supplement plan.
• Diagnosis or loss of chronic condition.
• 5-Star plan switch.
• Disaster/Emergency.

Final Expense insurance is a great way to diversify your Life Insurance planning. Whether you're single, married, have a young family, or retired, it can add to your overall coverage amount and prevent your loved one's from having to dip into savings or borrow money to cover the immediate costs needed to make final arrangements. Final expense also doesn't go through probate like traditional Life Insurance and is paid to the beneficiary within days, not weeks or months later. Lastly, Final Expense payouts can be used to to pay off debt, replace income, help with college tuition, or be gifted.