Your Local Insurance Agency
At Insurance Advocate Services LLC, our mission is to empower our clients with peace of mind through tailored insurance solutions that prioritize their unique needs and aspirations. We are dedicated to fostering lasting relationships built on trust, transparency, and exceptional service, ensuring that every individual and family we serve feel supported and protected. Together, we strive to enhance the wellbeing of our clients by providing not just coverage, but a partnership in securing their future.
Types of Insurance
Medicare Supplement
Private Health insurance policy that helps pay for healthcare costs that original Medicare does not cover such as deductibles, coinsurance…
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Medicare Advantage
Private company-offered health plan approved by Medicare that provides an alternative to original Medicare…
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Medicare Cost
Managed care health plan that is available in select areas of the United States. Providing coverage with lower costs within the network…
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Part D
Voluntary program that helps those on Medicare to help with costs associated with Prescription Drugs. Late penalties can become…
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ACA
Affordable Care Act) offers affordable healthcare options found on the Health Insurance Marketplace.
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Dental, Vision, Hearing
DVH can be an adjustment of a combination of plans, or separate plans, as to what the policy owner would like for coverage.
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Annuities
A contract between an insurance company and an individual, where the company pays a series of income payments in exchange for…
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Life
Contract between and insurance company and policyholder, where the insurer pays a sum of money to the policyholders’ beneficiaries…
Learn more- AEP: Annual enrollment period; October 15th through December 7th. Starting October 15th through December 7th, Medicare beneficiaries can review and change their healthcare coverage for the following year.
- OEP: Only pertains to those who are actively enrolled in a Medicare Advantage plan, allowing changes to take place. All changes will take effect on the first day of the following month after your current plan has processed your requested change. The time frame for Medicare Advantage Open Enrollment Period is January 1st to March 31st.
- SEP: Medicare Special Enrollment Period is a window of time in which you can sign up for or switch Medicare Supplement, Advantage and Part D plans outside of the normal open enrollment period. (Circumstantial changes, aging in, loss of benefits, etc.)
Enrollment Periods
- OEP: Open Enrollment Period; November 1st through December 15th. For ACA coverage to begin on January 1st, enrollment must be before December 15th.
- SEP: Special Enrollment Period; The time outside the yearly open enrollment period when you can sign up for health insurance. Those with certain life events can qualify for this enrollment period. (loss in income, marriage, birth/adoption, moving).
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