Gemayel and Ashley Holloway

A: Absolutely nothing! There is never a charge or any obligation to use our services. They are free.

 A: Technically no, but if you do not sign up for Part B when first eligible and do not have creditable coverage through an Employer or elsewhere, you could face a late enrollment penalty (LEP) when you do sign up. Additionally, when signing up in this circumstance, there could be delays in getting the coverage in force 

 A: No. As long as you remain on your employer group plan, you will not be fined for delaying signing up for Medicare. However, once you decide you are going to drop your employer coverage, you will need to sign up for Medicare Part B within a certain time frame (Special Election Period) to avoid a late enrollment penalty (LEP). 

 A: No! We know your Drs are important to you! In fact, so are hospitals and pharmacies. Our goal is to find a plan that your Dr, hospital, and pharmacy accepts so you do not have to change. 

 A: Medicare Advantage plans are very popular and offer excellent coverage. They are not free…even the $0 versions! The taxes you paid all those years helped to fund these programs. In addition to payments from the federal government, your Part B premium is paid to the carrier providing your plan. So, while the plan may be $0 (or a low amount) to you, they are not free!