And they’re off…

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If you heard a gunshot at midnight last night, it was the Centers for Medicare & Medicaid Services firing the Annual Enrollment Period (AEP) starting gun. October 1st is the first official day that you can start talking to your agent about your health plan for a January 1, 2020 effective date. (You can’t actually start to enroll until October 15th.)

Review your needs and your plan

Even if you love your current plan, you should take the time to review it and compare it to your personal needs. Here’s why:

  • Medicare Advantage plans change each year. You need to make sure that things like your plan’s network, premium, copayments and coverage aren’t changing in a way that could restrict you.
  • Your finances change. Changes in your finances or your plan’s premium may mean that you need to look at other options that are a better match.
  • Your health changes. Your health has changed and you now need a doctor who is no longer in your plan. Maybe you want additional coverage or lower copayments for services you never had to use before. These are just a few possibilities.
  • Carriers introduce new products. Some of these may have improved coverage and/or lower premiums. One of these may be a better option for you.

Don’t miss it!

AEP runs for 7 weeks every year—from October 15 through December 7.

Meeting with an agent to discuss your plan is completely free. And you pay nothing to enroll through an agent. We’re here only to help you make the best decision for your situation. So don’t miss your opportunity to make a change for your January 1, 2020 plan. It’s not too early to call and schedule an appointment. You can call our general office number, 412-200-2018, to schedule an appointment with the first available agent, email us, or contact one of our agents directly.

Need Health Insurance for 2020?!

individual-insurance

If you are under the age of 65 and not relying on health insurance provided by an employer or other group, or you’re over 65 and looking for coverage for an under 65 dependent:

November 1, 2019 is the starting date to look for coverage for a January 1, 2020 start date.

You can check out our Individual Exchange to see what the cost would be for you and/or your family. If you need help to see if you qualify for a subsidy, please contact our office at 412- 200-2018 or info@4insurance.com. The premium our exchange calculates, does not take into account any subsidies for which you may qualify.

Access our individual insurance exchange:  4i Insurance Individual Exchange

Welcome!

We’re excited to launch the 4iBenefits Group’s official website.Right-Plan-Equation-Graphic

We created 4iBenefits specifically Group Health and Welfare programs and our region’s aging population. As an independent insurance agency, we can offer you all the best quality carriers in the market place so you can focus on your needs.

If you’re a Senior with Medicare coverage, you know that things change each year—networks, premiums, coverage, your needs. We want to work with you to make sure that your plan selection continues to be the best match for your needs.

Donna,  and Reg  have anywhere from 15 to 33 years of experience with health insurance. You can call our general office number, 412-202-2018, to schedule an appointment with the first available agent, email us, or contact one of our agents directly.

We are dedicated to helping you find the best Medicare solution for your needs.

Check out our other products page as well. We are a full-service insurance agency and can help you with policies from dental to long-term care insurance.

AEP: What’s the big deal?

AEP plan discussionAEP—the only time you can change plans

The Medicare Annual Enrollment Period (AEP) is the only time you can change your existing Medicare plan. There are Special Enrollment Periods (SEP), but you need to meet specific criteria to qualify. So, for the majority of the population enrolled in Medicare, if you miss it, you’re stuck with your plan until January 1, 2021.

Review your needs and your plan

Even if you love your current plan, you should take the time to review it and compare it to your personal needs. Here’s why:

  • Medicare Advantage plans change each year. You need to make sure that things like your plan’s network, premium, copayments and coverage aren’t changing in a way that could restrict you.
  • Your finances change. Changes in your finances or your plan’s premium may mean that you need to look at other options that are a better match.
  • Your health changes. Your health has changed and you now need a doctor who is no longer in your plan. Maybe you want additional coverage or lower copayments for services you never had to use before. These are just a few possibilities.
  • Carriers introduce new products. Some of these may have improved coverage and/or lower premiums. One of these may be a better option for you.

Don’t miss it!

AEP runs for 7 weeks every year—from October 15 through December 7. CMS does not permit insurance agents to discuss your 2020 Medicare coverage with you until October 1, 2019.

Meeting with an agent to discuss your plan is completely free. And you pay nothing to enroll through an agent. We’re here only to help you make the best decision for your situation. So don’t miss your opportunity to make a change for your January 1, 2020 plan. It’s not too early to call and schedule an appointment. You can call our general office number, 412-200-2018, to schedule an appointment with the first available agent, email us, or contact one of our agents directly.