We have good news here.
There's the old way of enrolling which involved forms in triplicate (only partially kidding) and many different ways to make mistakes.
Then...there's the new way!
Of course, we can walk you through it as well!
Let's touch base on these topics to make the process easier:
There's zero cost for access to this system!
Let's get started
If you haven't already, run your medicare supplement quote here:
You'll be able to enter your doctor and medication info right away which is critical for Advantage and Part D plans!
With that, you'll be able to see all the major plans available in your area.
If we do contract with your chosen carrier (and we're set up with the biggest carriers...reach out ot us for others and we may be able to contract specifically), you'll see an ability to enroll in a given plan right through the quote results!
It's the familiar "Add to Cart" process next to a given plan in the quote.
We're already set up for the biggest carriers with more to come.
There are some basic pieces of information to have ready.
Before enrolling, here's what you want to have handy:
Those pieces and the basics (DOB, name, address, etc) make up the bulk of the process.
We can help with any questions along the way. Just call us at (888) 496-9439 (by law, all calls around Advantage plans or Part D must be recorded) or email here.
If you don't see the online enrollment available through the quote system, reach out to us with your chosen carrier/plan and we'll send other options to you.
Let's touch base on the "when" of the matter around Advantage plan enrollment.
Advantage plans and Part D plans (stand-alone medication plans) have special rules around when you can enroll.
Here's the cheat sheet (reach out with any special situations at firstname.lastname@example.org)
You can check your Medicare status via local Social Security office or
The formal rules:
Again, if there's any confusion or if your situation is more complicated
(coming off of employer coverage, losing other coverage, etc), reach out to
us at (888) 496-9439 or at
Let's break all these rules down in to simple guides.
Most people are eligible the 1st of the month you turn 65 in.
We can enroll right up to the last day of the month before the 1st day of your birth month but this is cutting it really close and it takes times to actually get the plan into membership in case you need health care.
We advise choosing Advantage plans that include a Part D as you may not be able to get a stand-alone Part D with an advantage plan that doesn't include medication. That's risky!
Again, Medicare is always confusing to people new to it so reach out with questions or set up a good time to talk at email@example.com
You can go past age 65 birthday if you have qualified coverage (equivalent to Medicare and/or the Part D standard medication benefit).
Losing qualified coverage then makes you eligible for enrolling in Part B if you haven't already and you have the initial enrollment period trigger from above (new to Medicare).
Be careful...if eligible for Medicare, you will likely NOT have a Cobra option. Many people don't know this and we learned the hard way about 18 years ago.
1-2 months in advance is the best approach if you're losing group coverage.
The other key triggers revolve around big life changes.
Again, check with us and let us research your situation! firstname.lastname@example.org We'll research it for you!
Okay...so you got through the online enrollment. Then what?
You'll get an instant confirmation from our online enrollment of receipt.
There are rules around the whole process so you'll also need to confirm that you understand this is an enrollment and what the core options and benefits are to you.
That's required by law and it's there to protect you.
We get calls all the time where people are saying they were switched by some agent and they didn't want to change plans. Bad actors!
We obey the rules and we don't push!! See our Reviews:
The carrier then has a period of time to both confirm enrollment and send out the welcome kit.
This generally occurs within 15 days after online app submittal (open enrollment can be slower).
You'll have an ID card and more detail around your plan. Ideally, you put your doctor info into the original quote system so that's integrated into your plan.
Reach out with any questions going forward. As California Medicare Advantage and Supplement agents, there's no cost for our assistance! Zero!
For a supplement, you will want to notify them to cancel once the Advantage plan is confirmed effective. If we're the agent...we'll do that all for you!
What if you're having second thoughts?
We can cancel the enrollment anytime prior to the effective date. The easiest way to do this is by calling the carrier.
You can also disenroll from the Advantage plan but this needs to be done during certain times of the year.
Generally, this is during annual open enrollment Oct 15-Dec 7
You can also switch Advantage plans or change back to traditional Medicare from Jan 1st-March 31st.
Let's touch base on how our free system is going to make changing Advantage plans so much easier and faster for you...at no cost to you!
The good news is that once your info is in our free system, it's easier to enroll in a new plan during periods of allowed change.
Your info's already there! Super fast and easy especially with your doctor and RX info taken into account.
Each annual enrollment period, we'll send you a link to update any RX/doctor info (things change!).
From there, a new updated quoted with all the plans will arrive!
You can then submit online enrollment (when available) and most of your core information is already there!
This is a free system to you. Learn more about us as Medicare Advantage agents but more importantly, check our Google Reviews here:
If the online enrollment is not available or if we're not contracted with a given carrier/plan, we'll track down the enrollment link for you anyway. That's just the right thing to do.
See if any of the other agents will do that. It's a litmus test for doing the right thing.
Reach out to us with any questions! Be well.
Lots of good guidance here:
Quote Medicare Advantage Plans and Supplements with your Doctor and Medications Reflected!