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. We live by the Golden Rule and that means we treat our clients like we want to be treated. We think of ourselves more as Medicare educators with insurance licenses. Our goal is to use our experiences to help you make an educated Medicare decision, not just sell insurance policies.
Q: Why does someone need a broker/adviser?
A: There are so many advertisements and plans available 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 7-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: What is AEP?
A: AEP (or Annual Enrollment Period) runs from Oct. 15 through Dec. 7. If you are already enrolled into Medicare, it’s the time of the year you can make changes to your plan for the upcoming year.
Q: What is an ANOC Letter?
A: An ANOC Letter (or Annual Notice of Change) is what you get from your insurance plan in late September that tells the changes for the upcoming year. If a person needs to make changes, they can use AEP to make those changes.
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.
Once a month we teach a class called “Prepare for Medicare” at our local 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.
