Ask us anything

Frequently Asked Questions

When am I eligible for medicare?

You can enroll in Medicare Parts A & B at age 65 or after 24 months of disability.

I am working past 65 do I have to go on medicare?

In some cases you can delay part B and stay on your employer sponsored group health insurance plan without late enrollment penalties.

Please note: Cobra is not considered credible coverage once you are past age 65

How are drugs covered on medicare?

Drugs can be covered two ways on Medicare. You can purchase a stand-alone drug plan (Part D) that pairs with Original Medicare and or a Medigap/ Supplement plan.

Or you can select a Medicare Advantage plan that has prescription coverage built into the plan.

When can I make changes to my medicare coverages?

Annual Enrollment Period October 15th to December 7th for a January 1st effective date

Medicare Advantage Open Enrollment Period January 1st to March 31st annually. You can change an Advantage plan back to original Medicare and a Part D Rx Plan

Special enrollment period opens up if you move to a new service area or lose employer group coverage

Five Star Rating- you can switch to a five star rated advantage plan which is the highest rating for Advantage Plans any time of the year.

Do I have to offer coverage to all my employees?

As an employer you get to select eligibility based on a few factors i.e.: hours worked, salary and time with employer.

Am I required to offer cobra coverage?

Cobra coverage is required for employers with 20 or more employees in the prior year. Cobra offers a temporary extension of health coverage where coverage would otherwise end.

I have 1099 employees can I get them covered?

Yes, there are carriers that will cover 1099 employees.

My employer doesn’t offer healthcare how do i get covered?

Individual plans can be purchased at either a National Open Enrollment period or a qualifying event ie: loss of group coverage, turning 26 and no longer covered under parents plan, Cobra coverage ending etc.

How much does medicare cost?

For most Americans Medicare Part A (hospital coverage) is available premium free because they or a spouse paid taxes for at least 10 years. Medicare Part B has a monthly premium based on income average rate premiums based range from $144.60-$491.60 monthly the Part B premiums can go up or down based on income.

What is the difference between medigap and medicare advantage plans

Medigap policies work with original Medicare and help fill in the gaps of Part A and Part B coverage. Typically they will cover only what is covered on Medicare Part A & B, they do not include drug coverage. These plans can be used nationwide with providers that accept Medicare. These plans are offered by private insurance companies.

Medicare Advantage plans are offered by private insurance companies are designed to cover Medicare Part A & B plus additional coverage like prescriptions, vision and some include dental chiropractic and naturopathic care. Most of these plans work with a network of contracted providers.

When can I apply for coverage as a small business employer?

You can start or change a small business health insurance plan at any time of the year.

How much of the cost do I have to cover for my employee’s?

That varies based on the carrier product and enrollment size.

Can I offer employee’s benefits at their expense?

You can offer supplemental voluntary benefits paid at the employees expense like life insurance & disability coverage. These benefits in a group setting are very affordable and give employee’s choice and selection in their benefit package.

What are tax credits?

The premium tax credit is a refundable tax credit designed to help eligible individuals and families with low or moderate income afford health insurance purchased through Washington Healthplanfinder. The size of your premium tax credit is based on a sliding scale. Those who have a lower income get a larger credit to help cover the cost of their insurance.

For detailed information about tax credits, visit the IRS website .

What if I lost my health insurance coverage or I am about to?
  • If you’ve already lost coverage:
    • Your coverage can start the first of the month after you apply and enroll or sooner depending on the circumstances.
  • If you know you’ll lose coverage within the next 60 days:
    • You can apply before you lose your coverage to help make sure there’s no gap in coverage. For example, if you know you’ll lose coverage on April 30, and apply and enroll in a plan April 10, your new coverage will likely start in May.