Moving to another account

Moving to another account Health & Life Shield of MN is a local health insurance agency that specializes in Medicare, benefits, and additional coverage options

10/16/2022

Still testing this. Sorry everyone

10/09/2022

4 things you need to consider when shopping for a health plan.

Happy fall everyone up. Went for a walk this morning and thought I would show this photo. The colors are spectacular! As AEP is fast approaching, October 15th, I wanted to ensure you understand 4 terms and the cost associated with them when your explore health plans; Health Premium, Health plan deductible, out of pocket maximum and coinsrance.

What is the health premium? This is the amount you pay for your health insurance every month. You have several options depending on your circumstances to explore and compare cost.

What is a deductible? The amount you pay for covered health care services before your insurance plan starts to pay. A $2,000 deductible, for example, you pay the first $2,000 of covered services yourself. A fixed amount ($20, for example) you pay for a covered health care service after you've paid your deductible.

What is out of pocket maximum? This is themost you have to pay for covered services in a plan year. Once you reach the maximum all your healthcare benefits are covered.

What is coinsurnance? This is the percentage of costs of a covered health care service you pay (10%, for example).

Reach out to me as I am here to help. Check out my Medicare enrollment website. You can explore all the various plans available to you. If you have questions, my contact information is provided.

https://www.medicareenroll.com/?purl=OHIKwHp3&fbclid=IwAR3h1GxKbMhnpt4u6CCu5SYb4qA7yQ75cFvKL0IMbsv012jP-6zUNgmPiOU

Check out my blog.
10/09/2022

Check out my blog.

Join the Spaces by Wix app to read this blog and stay updated on the go.

AEP is a week away. It starts October 15th. Contact me by clicking in the below link. https://www.medicareenroll.com/?pu...
10/07/2022

AEP is a week away. It starts October 15th. Contact me by clicking in the below link.

https://www.medicareenroll.com/?purl=OHIKwHp3

Health & Life Shield of MN is a local health insurance agency that specializes in Medicare, benefits, and additional coverage options

10/06/2022

Happy Fall everyone. AEP is fast approaching. This stands for annual enrollment period. It last from October 15 to December 15 ever year. During this period you can change, review and update your plans.

There are several other periods that you should be aware of as it relates to gaining access to Medicare plans.

1. Initial Enrollment Period
When you turn 65, you can enroll in a Medicare plan. You have a seven-month window to join during this period — from three months before the month you turn 65, through your birthday month and to three months after the month you turn 65.

2. Medicare Supplement Open Enrollment Period
If you’re looking to supplement your Original Medicare coverage to help with additional costs, the best time to buy a Medicare Supplement plan is during the six-month enrollment period that starts the first day of the month you turn 65 — as long as you have signed up for Medicare Part B.

3. General Enrollment Period
You can sign up for Part A and/or Part B between January 1 and March 31 each year if both of these conditions apply:
You did not sign up when first eligible.

You are not eligible for a Special Enrollment Period

Your coverage starts July 1. And you may be subject to penalties.

4. Medicare Advantage Open Enrollment Period
This starts January 1 through March 31 annually. If you have a new Medicare Advantage plan, you can make a one-time election to go to either another Medicare Advantage plan with or without prescription drug coverage or Original Medicare. You’ll also be able to enroll in a Medicare prescription drug plan.

5. Special Enrollment Period
Special Enrollment Period (SEP), you can join, switch or drop a Medicare Advantage or prescription drug plan outside the basic enrollment periods. In order to qualify for an SEP, certain events must occur that require you to change your coverage. Common scenarios include:
You move out of your plan’s service area.

You move back to the U.S. after living abroad.

You move into or out of a skilled nursing facility, psychiatric facility, rehab hospital or long-term care facility.

Your employment or your employer-provided plan ends.

You can reach me at

Address

Prior Lake, MN

Telephone

+19526887039

Website

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