It Starts With Four Simple Steps...
Today’s healthcare environment has become complicated. We simplify it, so you can easily understand it. Let’s talk about the right plan that fits YOU, not how YOU can fit into the plan.
We need to know what is important to you! Do you have a specific doctor, physician group or hospital preference? Are there prescription or medical considerations? We will help you find the ideal plan.
We complete your enrollment process. There are no additional or hidden fees when using Big Sky. Your plan costs are the same with our assistance. Let us do the shopping for you.
When You Can Enroll Into A Medicare Supplement
You will most likely be entitled to a six month Guaranteed Issue Open Enrollment Period beginning with the first day of the month that your Part B coverage is effective. This is possible as early as your 65th birthday month, as long as your Original Medicare Part A is also active. For individuals with medical concerns, this is a critical enrollment period. There are exceptions, but after this time frame, insurance companies can screen applicant’s health status and deny their enrollment. We need to discuss whether a Medicare Supplement is right for you.
The “Birthday Rule” allows residents of California that currently have a Medicare Supplement an opportunity to change to a supplement with another company with lower costs or additional benefits. This is a guaranteed issue period with no medical underwriting or screening of the new member. The time frame is 30 days prior to and following your birthday. There are a total of 61 days to exercise the birthday rule.
A Medicare Supplement can be changed year round in an effort to decrease cost or add benefits; however, the insurance company may conduct medical underwriting and screen the applicant prior to approval. Insurance companies vary in their determination to accept a new member. Let’s have a conversation and discuss if a change in plan is possible and benefits you.