Common questions, plainly answered.
If you don’t see yours here, call or send a note.
Does it cost anything to work with you?
No. The insurance company pays the broker, and your premium is the same whether you enroll with me or on your own.
Why use a broker instead of signing up on my own?
I know which doctors and medications are covered under each plan option, what income number to put on a Marketplace application so you won’t owe money at the end of the year, and what changes the plans make every year. I keep you up to date on all of it.
Do you only help with Medicare?
No. I help with individual and family health insurance, Medicare, dental, hearing and vision coverage, and accident and ancillary plans.
What if I don’t qualify for a government subsidy?
I have many non-Marketplace options available if you don’t qualify for any government subsidies.
When can I enroll or change Medicare plans?
Most people enroll during the seven months around their 65th birthday. After that, the Annual Enrollment Period runs October 15 to December 7 each year, and some life events open a Special Enrollment Period.
Can I keep my doctors?
With Original Medicare and a Supplement, you can see any provider who accepts Medicare. With Medicare Advantage and individual plans, I check your doctors against each plan’s network before you choose.
I’m still working at 65. Do I need to sign up?
It depends on your employer’s size and coverage. Many people can delay Part B without a penalty. We’ll look at your situation and map out the right timing.
What happens after I enroll?
I stay your broker. I keep you updated on any changes to your plan and I’m your first call when you have a question. And I return my messages.
Which states are you licensed in?
Utah, Arizona, California, Colorado, Florida, Georgia, Hawaii, Idaho, Indiana, Illinois, Kentucky, South Dakota, Alabama, Nebraska, Nevada, New York, Ohio, Oklahoma, Tennessee, Texas and Washington.
How do I get started?
Book a free consultation online, or call 435-334-4894. We’ll talk through your situation before any recommendation.
Ask Jonathan directly.
If your question isn’t answered here, a short call usually clears it up.