1. If you only need a Part D drug plan comparison you can get one online now FOR 2011 at www.Medicare.gov  You can also request one from us, but due to the many thousands we are getting each year we cannot get back to everyone…but will do our  very best.  If you don’t hear from us…please try the Medicare website.

2. If you are losing a Medicare Advantage Plan and you are on disability and under age 65  please contact your local SHIP  (State Health Insurance Assistance Program) office to see what will be available in your area.  Many times there are no Medigap Plans available in certain states.  If you are OVER 65, you are guaranteed issue (no health questions) for a Medigap plan and we can help you find the lowest premiums in your state by calling 866-752-1795.

3. As always through the year when anyone is turning 65 we can help you find the best Part D plan and the best priced Medigap plan.

Special Enrollment Periods or (SEPS) are times when you can change or enroll on your Part D drug plan other than the open enrollment each year between November 15th and December 31st.

WE CAN HELP YOU during these times to get a cost comparison that will enable you to enroll on the drug plan that covers ALL your medications at the LOWEST co-pays. If you have been arbitrarily enrolled on a Part D Drug Plan because you were awarded “extra help” we can make sure the plan covers your drugs. Many times Medicare does not check the prescriptions you are taking before they enroll you on a plan for “exta help”. We will do that for you and change your plan so that ALL your meds are covered.

Toll Free – 866-752-1795

The SEPS are listed below:

Turning 65 and new to Medicare

Recently moved outside of the service area of current plan

Duel-Eligible or have BOTH Medicare and Medicaid or state help

Recently approved for Medicare Part D Assistance

Live in a Long Term Care Facility or nursing home

Recently “left” a PACE program

Moved out of a Long Term Care Facility or nursing home or rehab hospital

Recently involuntarily lost creditable drug coverage

Losing coverage from an employer

Belong to a pharmacy assistance program provided by state

Recently returned to the US after living permanently outside the US

In last 12 months left Traditional Medicare Supplement to join a Medicare Advantage Plan for the first time

In last 12 months returning to Traditional Medicare Supplement after leaving a Medicare Advantage Plan

Please note: If you joined a Medicare Advantage Plan and are unhappy with it for any reason, you have 12 months to get back on a Traditional Supplement with NO underwriting or answering health questions. Please call us toll-free at 866-752-1795 with any questions you may have about changing coverage.

The annual enrollment period or AEP is November 15th thru December 31 of every year. You may have had new medications prescribed because of a new illness that are NOT covered under the plan you have now or you may want to see if you can get a BETTER PLAN. Call or email us today to see if you meet the qualification for a SEP or Special Enrollment Period.

List of SEP’s or Special Election Periods:

2. Moved to a new state
3. Awarded State or Federal drug assistance
4. Coming in or out of a Long Term Care Facility or Illness Rehab
5. Lost drug coverage

If you feel you qualify for any of the circumstances you must call us today, toll free at 866-752-175. There is NO reason to wait and pay more all year!