Maryland Senior Solutions
Advantage Plans I Supplement Plans I Prescriptions I Dental & Vision
Losing Your Advantage or Supplement.
Or Call 410-921-3700
Who Am I?
Isabella Nartey
410-921-3700
MD LICENSE #3003751207
Losing Your Medicare Advantage Plan
Medicare Advantage plans, also known as Part C, provide an alternative way to receive Medicare benefits through private insurers. If you lose your Medicare Advantage plan because you move out of the plan’s service area, the plan discontinues coverage, or you disenroll, you have several options:
Return to Original Medicare: You can go back to traditional Medicare Parts A and B. You may want to consider purchasing a Medicare Supplement plan (Medigap) to help cover out-of-pocket costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles.
Enroll in a New Medicare Advantage Plan: Depending on your circumstances and timing, you might be able to enroll in a new Medicare Advantage plan if you qualify for a Special Enrollment Period (SEP).
Part D Prescription Drug Plan: If your Medicare Advantage plan included drug coverage and you switch back to Original Medicare, consider enrolling in a standalone Part D prescription drug plan to maintain drug coverage.
Losing Your Medicare Supplement (Medigap) Plan
If you lose your Medigap coverage—perhaps because of non-payment, the insurer stops offering the plan in your state, or you cancel it—you should act quickly:
Guaranteed Issue Rights: In certain situations, such as losing your Medigap plan due to the insurer discontinuing coverage, you may have guaranteed issue rights that allow you to buy a new Medigap policy without medical underwriting.
Open Enrollment Period: Outside of guaranteed issue rights, you can buy Medigap policies during your initial six-month Medigap Open Enrollment Period. Otherwise, you may be subject to medical underwriting and could be denied coverage or charged higher premiums.
Avoid Coverage Gaps: Without Medigap coverage, you might face higher out-of-pocket costs. Evaluate your needs to select suitable coverage options promptly.
Key Considerations
Timeframes Matter: If you lose coverage, acting promptly can prevent gaps in coverage and penalties. Certain enrollment periods are limited.
Review Your Needs: Assess your health care needs, budget, and whether Original Medicare or another Medicare Advantage plan better suits you.
Consult Medicare Resources: For personalized guidance, use official Medicare resources or consult with a licensed insurance agent specializing in Medicare.
Maintaining continuous and adequate Medicare coverage is critical to managing healthcare costs effectively. Understanding your rights and options after losing a Medicare Advantage or Supplement plan helps ensure you remain protected. If you lose your Medicare Advantage or Medicare Supplement plan, it’s important to understand your options and the steps you need to take to maintain your Medicare coverage.
Advantage Plans
Supplement Plans
Plan D
Medigap
Rx Saving
Advantage Plans Supplement Plans Plan D Medigap Rx Saving
What Maryland Senior Solutioins Provides
As an advisor, I will guide you through all available Medicare options to help you make an informed decision tailored to your specific needs. You will receive clear comparisons of multiple plans on an "apples-to-apples" basis, making it easier to understand the differences and similarities among them. I will clearly explain all associated costs, ensuring transparency so you know exactly what to expect. My goal is to identify the lowest-priced plan that fully covers your healthcare requirements while providing the benefits you need.
After you select an insurance plan, I will manage all the application filings on your behalf. I ensure that each submission complies fully with Medicare's guidelines and requirements. Once your application is approved, I will promptly follow up with you to provide the necessary updates.
I am HIPAA compliant, maintaining strict confidentiality and security of your personal information. All documents related to your insurance applications are securely stored for a minimum of 10 years, in accordance with regulatory standards.
As an advisor, I will guide you through all available Medicare options to help you make an informed decision tailored to your specific needs. You will receive clear comparisons of multiple plans on an "apples-to-apples" basis, making it easier to understand the differences and similarities among them. I will clearly explain all associated costs, ensuring transparency so you know exactly what to expect. My goal is to identify the lowest-priced plan that fully covers your healthcare requirements while providing the benefits you need.
All Maryland Senior Solutions Services Are 100% FREE
My services are compensated by the insurance carriers for helping you. You never pay any broker fee or inflated insurance premiums for having me assist you. In fact, all insurance rates are set by the law, so you will always be presented with published, verifiable, real-time pricing. Let’s work together and allow me to help you save money!
Turning 65 and What You Need to Know
Most individuals become eligible for Medicare insurance by turning 65. You can enroll in Medicare up to three months before your 65th birthday month. However, your Medicare benefits will begin on the first day of your 65th birth month. If your birthday falls on the 1st of the month, your benefits start one month earlier, on the first day of the month prior to your 65th birth month.
Aside from age, you may also qualify for Medicare if you are permanently disabled, but in this case, there is a two-year waiting period before you become eligible. For people with End Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS, also known as Lou Gehrig’s disease), Medicare eligibility applies without the two-year waiting period. Typically, benefits for ESRD begin after four months of dialysis treatment. For those with ALS, benefits often start as soon as Social Security Disability Insurance (SSDI) benefits begin.
For more detailed information on Medicare eligibility and enrollment options, you may visit Medicare.gov or contact Maryland Senior Solutions 410-921-3700
Waiting to enroll in Medicare or missing important enrollment deadlines can significantly increase your overall costs.
Delays may lead to penalties or postponed coverage, which could leave you exposed to higher out-of-pocket expenses.
It is crucial not to wait to enroll in Medicare unless you have credible coverage through a union, the VA, or if you can remain on your employer’s group plan beyond your 65th birthday. With credible coverage, you are not required to enroll in Medicare immediately and will avoid late enrollment penalties.
Keep in mind, there are exceptions to this general rule. To ensure you understand your specific situation and avoid unnecessary costs, please contact me at 410-921-3700. Prompt action can help you maintain continuous coverage and protect your finances.
Is your Gross Annual Income $106,000 Per Year?
Read About Your Income Related Monthly Adjustments (IRMAA)
Your Part B premium may be higher than the base rate. I can show you how to potentially lower your Medicare Part B premium if you are currently a "high income earner." This is ethical and legal and the SSA allows it.
Medicare Products I'm Licensed To Help You With
Supplement Gap Plans (F, G, N, High Deductible Plans, and Others)
Supplemental plans help cover the costs that Original Medicare leaves behind, like copayments, coinsurance, and deductibles. Popular plans include F, G, N, and various high deductible options. Generally, these plans require answering health questions to get approved. However, when you turn 65, you receive a "Guaranteed Issue" period—often referred to as a free pass—where you are automatically approved without health underwriting.
Be aware that there are specific rules about enrollment periods, start dates, and medical underwriting that can impact your options. It's important to review your individual circumstances to find the best plan for your needs.
Advantage Part C Plans (HMO’s, PPO’s, Dual Medicaid & Medicare Plans, Special Needs Plans, and Others)
Medicare Advantage plans provide an alternative to Supplemental Plans and often come at a lower cost. These plans are offered by private companies and usually include HMO, PPO, and specialized options for those with Medicaid or special health needs.
Each county has a variety of Advantage Plans that work with specific doctor networks and pharmacies. Many also offer added benefits such as dental, vision, hearing, and transportation services. These extras make Advantage Plans worth considering as part of your Medicare strategy.
Prescription Drug Rx Plans (PDP Plans or Medicare Part D)
Prescription Drug Plans are usually available statewide and are designed to help cover the cost of medications. Medicare requires you to have drug coverage once you are enrolled, or you may face a financial penalty. Even if you don’t take any medications right now, enrolling in a lower-cost plan is advisable to fulfill Medicare’s Part D requirement and avoid penalties.
For all these Medicare products, understanding your personal healthcare needs and eligibility is key. Discuss your situation to determine which plans and timing work best for you.
STATES WE SERVE
LOUISIANA
OHIO
LOUISIANA OHIO
Maryland
Virginia
Maryland Virginia
South Carolina
Tennesse
South Carolina Tennesse
Knowing What Is Available Is The First Challenge
When Shopping For Medicare Insurance. The overwhelming number of options often leads to analysis paralysis and confusion. Adding to that difficulty is the abundance of outdated information and misinformation circulating in the marketplace. Staying up-to-date and presenting clients with all their choices—even those plans I may not directly offer—is essential to helping them make informed decisions.
Medicare insurance is inherently complex. It involves various deadlines, acronyms, pricing structures, and regulations. Missing deadlines or misunderstanding rules can lead to coverage delays or financial penalties. Understanding these nuances is critical to securing appropriate coverage without unexpected costs.
As an independent Medicare broker advisor, I guide clients through the array of plan types by explaining each option in straightforward, plain English. This personalized approach ensures a clear understanding of the benefits and limitations of every available plan. When you comprehend all your choices, you can confidently select the coverage that best fits your individual healthcare needs and budget.
If you are approaching your 65th birthday, it’s important to familiarize yourself with what to do when turning 65 to avoid missing important enrollment periods. Being proactive and informed is the best strategy.
I am licensed and authorized to sell Medicare and am committed to providing comprehensive support so you can navigate this complex marketplace with confidence.
What Set Me Apart ?
The primary difference is that Medicare insurance is my sole focus. Unlike many agents who handle a variety of insurance types, I have chosen to specialize exclusively in Medicare. This specialization means I stay up-to-date on all the nuances, rules, deadlines, and local considerations specific to Maryland, from Annapolis and beyond.
Being local allows me to meet with you in person, providing personalized support and understanding of the area’s healthcare provider networks. I am licensed with a wide range of carriers—some you won’t find other agents working with—which gives you access to more options and competitive pricing.
With thousands of seniors helped over the years, my experience spans diverse situations and needs, enabling me to offer tailored advice that truly fits your lifestyle and budget. My goal is straightforward: find you the best coverage at the lowest price.
Getting your Medicare coverage right the first time is crucial. Working with an expert who understands every detail ensures a smooth, hassle-free transition. Reach out to discuss your Medicare needs, and let’s make sure you’re covered the right way.
What You Get with Maryland Senior Solutions
Access to Over 10+ Companies: Compare dozens of rates and a variety of benefits across multiple Medicare plans to find the one that fits you best.
Experienced Independent Broker: Working exclusively with Medicare, offering expert guidance without any bias.
Simple, Straightforward Plan Reviews: Choose from plans tailored to your health needs, lifestyle, and budget with an easy-to-understand breakdown.
Peace of Mind: Navigate the complexities of Medicare confidently with an unbiased, knowledgeable broker by your side.
Single Point of Contact: Manage all your Medicare insurance needs with one dedicated professional.
Stress-Free Process: Avoid complicated research, homework, or sales pressure for a smooth and clear experience.