Health insurance policies may cover wellness care, diagnostic tests and medical specialties. Some policies have more coverage than others, so be certain to thoroughly review your policy to be sure it covers the things you need. Southern Iowa Insurance Services offers options for private and public health insurance options.
Many states participate in the Health Insurance Marketplace, which you may know as Obamacare or Affordable Care Act. You can enroll in or make changes to the government regulated plans between November 1 and December 15. You will need to provide information, including your income and dependent information to determine the cost for your individual plans as these plans receive government subsidies.
Medicare supplements help cover the gaps in original Medicare, such as deductibles, copayments and coinsurance. You will need to have your Medicare ID number in order to apply for a Medicare Supplement plan. Unless you qualify for a special enrollment, you are able to apply for your Medicare Supplement the three months prior to, the month of and the three months after you turn 65. You are able to make changes to your plan each year during the Annual Enrollment Period, which is October 15 through December 7.
Part D is a stand-alone policy that helps cover the cost of prescription drugs for an individual on Medicare. You must be enrolled in Medicare Part A and/or Medicare Part B to qualify for a drug plan. Unless you qualify for a special enrollment, you are able to apply for your Part D plan the three months prior to, the month of and the three months after you turn 65. If you choose not to enroll in a Part D plan when you first become eligible and do not have other creditable coverage, you may have to pay a penalty if you decide to enroll later. You are able to make changes to your plan each year during the Annual Enrollment Period, which is October 15 through December 7.
When coming in to enroll in a Medicare Part D plan, or to make changes during Annual Enrollment Period, you will want to bring a list of all medications that you take. We can enter them into the drug formulary to find the plan that will provide you with the lowest out of pocket expense.
Aflac supplemental plans help with expenses that may or may not be covered by your health insurance plan. These plans are completely independent of your health insurance. Claims on your health insurance and Aflac are completely independent of one another as well. Aflac pays a set benefit amount directly to you, regardless of what your health insurance pays.
Aflac offers a full suite of products for individuals, families, and businesses. These policies help with everything from routine preventative care to critical illnesses. There are many plan options, including Accident Plans, Cancer Plans, Life Insurance, Dental Plans, etc.
To learn more about Health Insurance, Medicare Supplements, Part D or Aflac, give us a call, email us or stop by our office. We would be happy to help explain the different options so you can make an informed decision based on what you need!
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