Q: Who is Medicare Advisors of Alabama?
A: We are a locally owned insurance agency that specializes in helping Alabamians better understand Medicare. Medicare is overwhelming, but once someone with patience and knowledge teaches you the questions to ask and then guides you through the process, the whole thing becomes much less stressful. That’s what we provide: a stress-free Medicare experience.
Q: What does your service cost?
A: Our service is absolutely free. We’re only paid by insurance companies if we help you enroll in a plan. Our reputation has been built on word of mouth and living the Golden Rule. Let us prove it to you.
Q: Why does someone need a broker/adviser?
A: There are so many advertisements and plansavailable that it’s becoming almost impossible to sort everything out on your own. A good broker will help you see the positives and negatives of the plans and will work to find the best solution for their client and not the insurance company.
Q: When does someone need to help me with Medicare?
A: If you’re turning 65 years of age, you have a seven-month window to enroll in Medicare. It’s also when our team can really help you understand your options. However, if you are still working, you may not want or need to enroll. Deciding when to enroll and what to enroll in are our two most asked questions, and our team can help you make an informed decision.
Q: What if I keep working past age 65?
A: Many people think they’ll face penalties if they don’t sign up for Medicare at 65. That can be true, but not always. You can postpone enrollment beyond age 65 if you or your spouse are still working and you have health insurance under an employer plan.
Q: The Annual Enrollment Period endedDec. 7. Is it too late to make changes?
A: There are several different enrollment periods throughout the year. One overlooked enrollment period (Open Enrollment Period) runs from Jan. 1 through March 31. This period is for a person who needs to change their Medicare Advantage Plan or someone on a Medicare Advantage Plan but would like to return to Original Medicare. There are also many Special Enrollment Periods (SEP) throughout the year as well.
Q: Where can I get help with Medicare?
A: You can schedule a consultation with someone on our team. We can talk over the phone, meet virtually via Zoom, in-person at our local office, at your home, your business or even out at a coffee shop. We teach classes called “Prepare for Medicare” at our Vestavia office. We have lots of fun, and it’s very educational. No specific products are discussed, but it’s a great way to learn the basics of Medicare and get your questions answered. Call us to RSVP.
