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Core Insurance Advisors

We Simplify Your Medicare Options

5-Star Medicare Advantage Plans

Medicare

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You’re probably asking, “What’s up with all these Medicare ratings? Do they really matter?” The short answer is, absolutely! 

5-star Medicare Advantage plans have the highest quality ratings from Medicare.gov. This means they have good customer satisfaction and provide access to needed medical care. 

One benefit of 5-star advantage plans is that you can enroll anytime using what is called a 5-star special enrollment period. 

Why 5-Star Plans Are Worth It

5-star plans are known for their high ratings, providing good customer service, being well-managed, having satisfied policyholders, and supplying effective health care that covers a variety of needs including diabetes, heart disease, and preventative care. 

You might think 5-star plans would be more expensive, but that isn’t necessarily the case. The cost of an advantage plan is determined by its benefits, size of the provider network, perks, and other policy details. This means you could possibly get a 5-star plan that costs $0, a really good deal for a top-tier plan! 

No matter where you are at in your Medicare enrollment, you can still explore and upgrade to a 5-star plan. Core Insurance Advisors is proud to offer access to these top-tier Medicare plans! 

If you have questions or want to find out if a 5-star plan is best for you, please give a trusted advisor a call at 877-404-8060.

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Have you ever wanted to try a Medicare Advantage plan but were worried that if you did, you couldn’t return to your current coverage?

Did you know that Medicare gives you the option to try a Medicare Advantage plan for up to 12 months and return to your current coverage if you don’t like it?  

If that is something you are interested in, the Medicare Trial Right Period could be worth looking into! 

What is a Medicare Advantage Trial Period?

If you’ve ever joined a trial subscription for a magazine, the Medicare trial period works in a similar way. 

Providing you’ve never had a Medicare Advantage plan before; you can sign up for a plan and get 12 months to decide if it’s the right fit for you. If at any time during the first 12 months of your membership you decide it’s not a good fit for you, you can switch back to Original Medicare or your old Medicare Supplement Plan. 

And the great thing is, you can’t be denied coverage on your old plan and they can’t charge you more unless you’ve had a birthday while you were away.

The Best Plan for You

At Core Insurance Advisors, it’s important you have the best plan for your needs. If you’ve always wondered if a Medicare Advantage Plan is right for you, give one of our experienced Core Insurance Advisors a call at 877-404-8060!

We’d love to tell you more about Medicare Advantage Plans and the Trial Right Period. Who knows, if you try it you may like it!

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An important part of planning for retirement is obtaining appropriate and affordable healthcare coverage. When you turn 65, you become eligible for Medicare, which makes finding affordable health insurance a little easier. 

However, it’s important to know how Medicare works, so you can get both comprehensive and cost-effective coverage to meet your needs. One question many retirees have is what are the four parts of Medicare and what type of Medicare coverage do I need? We also see questions about Medicare costs, Medicare Supplemental insurance, enrollment periods, and retiree coverage. 

Retirement is a huge accomplishment that should be celebrated. So let us get your retirement off on the right foot with a free retirement consultation by a licensed Core insurance Advisor. 

If you’re recently retired, approaching retirement or just have questions about Medicare plans in general, an experienced Core Insurance Advisor would love to speak with you today. Contact Core Insurance Advisors at 877-404-8060 to set up your free consultation. 

Special Partnership Offer with Safe Money Retirement

At Core Insurance Advisors, we are always looking to bring added value to our customers. Since our inception, many of you have asked for help with retirement planning. Today, Core Insurance Advisors is proud to announce our partnership with Safe Money Retirement™. 

While Core Insurance Advisors will continue to provide the Medicare guidance you’ve come to know and trust, our new partners at Safe Money Retirement can provide guidance and recommendations for your retirement planning. 

Led by our partner and Certified Financial Fiduciary® Tim Wood, Safe Money Retirement specializes in helping retirees or soon-to-be retirees make a solid, reliable plan for their retirement through guaranteed lifetime income planning, legacy planning, and plans with market-like gains and NO losses. Tim is also a member of Ed Slott’s Elite IRA Advisor Group℠, meaning he is kept up to date with all the changing laws and regulations that affect your retirement plans. Since Tim’s company is totally independent, they have access to every company available in the independent marketplace in your state, so they can find your exact perfect plan. 

Tim is also the #1 bestselling author of Safe Money Retirement: Your Game Plan for Success, where he outlines the steps you need to take to protect your retirement nest egg and ensure you have enough guaranteed lifetime income, so you’ll never run out of money before you run out of life. 

Through our partnership with Tim, we can offer you a FREE copy of Tim’s book for a limited time. Just visit coreoffer.safemoneyretirement.com to get your FREE copy of this valuable retirement resource. You can instantly download the online version or even request a paperback copy and it will be shipped to you free of charge or obligation. We recommend you grab a copy of his book now while supplies last. 

To help you keep your retirement plan up to date, Tim has agreed to provide retirement planning insights in our monthly newsletters. Please feel free to reach out to Tim directly if you have question on your current or future retirement plan.

“I appreciate our partnership with Core Insurance Advisors, and I look forward to helping the members of the Core family ensure their retirement plans are the best they can be.” – Tim Wood, CFF

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Unfortunately, many members enrolled in Medicare Advantage plans don’t know about or take advantage of all the benefits available to them. A lot of Medicare Advantage plans offer wellness benefits and incentives designed to encourage better health. 

Studies have shown that regular exercise, routine exams, and access to healthy food options can improve a member’s overall well-being. Here are just a few examples of some of the top wellness benefits & incentives we see:

Food Cards 

Many plans provide food cards that give members a monthly allowance to spend on healthy food items. Not only does it help to offset the cost of groceries, but it also gives member access to healthy food choices they may not otherwise have. 

Flex Cards

While most plans offer routine vision, dental, and hearing benefits, flex cards have become quite popular with Medicare Advantage plans. For instance, if you need more coverage for one kind of treatment and not the other, these cards provide you extra money to spend on the items most important to you.  

Flex cards have also been known to provide benefits for home expenses, such as utilities. 

Wellness Incentives

Some plans offer wellness incentives that allow you to earn points by getting routine checkups and doing activities that promote wellness. Regularly exercising is a great way to accumulate points and some plans even offer gym memberships as a benefit. These points can then be accumulated and exchanged for gift cards and other rewards. 

At Core Insurance Advisors, it’s important to us that you take advantage of all the benefits available you. No one should miss out on Medicare plan incentives. If you have questions or want to learn how to get the most from your plan’s wellness programs and benefits, call 877-440-8060. A Core Insurance Advisor would love to speak with you today!

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Now that Medicare’s Annual Election Period (AEP) is over, it’s time to get familiar with your coverage for 2023. To make the most of your plan for the coming year, here are a few tips to get you started with your 2023 coverage.

Review your coverage 

Make sure you understand what your plan covers in 2023. You’ll want to make sure your new membership card reflects your correct PCP while simultaneously making time to review any documents the plan sends you. Make sure you take time to review copayments and other out-of-pocket costs you may be responsible for. As always, if you have questions on your benefits for 2023, Core Insurance Advisors are here to help you! Additionally, it is important to familiarize yourself with your plan’s provider network. If you have a Medicare Advantage plan, you will need to see providers who are in your plan’s network in order to receive full coverage. You can review your plan’s network online or you can request a copy of the provider directory from your health plan.

Use your benefits

It is important that you make sure you take advantage of all the benefits you’re entitled to. Schedule an annual wellness exam with your PCP and make time to have them review all your current prescriptions. Furthermore, all Medicare Advantage plans have preventative services that allow you to get your annual screenings at $0 copay. Lastly, many plans have wellness programs that come with rewards. Make sure you sign up for these programs to get all of your benefits.

Schedule a review

If you haven’t already done so, schedule your 2023 Plan Review Appointment with our Core Insurance team! This is a great opportunity to ask any questions you may have about your plan and to get some great tips on how to use your coverage well.

Understanding your plan benefits can be a confusing process, but it’s an important step in ensuring you have the coverage you need. By taking the time to review your coverage, you will be able to familiarize yourself with your plan to make the most of your Medicare benefits.

Do you have questions about your current plan or need help signing up for your wellness program? Contact Core Insurance Advisors at 877-404-8060! We are here to help you understand your plan and the benefits that it offers to you.

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This is a friendly reminder from our team at Core Insurance Advisors that Medicare’s Annual Election Period (AEP) ends on December 7, 2022! Whether you choose to change your current plan or keep the plan you’re on, your new benefits begin on January 1, 2023.

AEP is your opportunity to review your benefits for the coming year and compare plans in your area to make sure you’re getting the plan that best meets your needs.  Be it a change in cost of your current plan, or a shift in your medical needs, our team of Medicare advisors are here to assist you in selecting the best plan for your current situation.

Even if you’ve already made a selection for the coming year, there is still time to change your mind if you are having second thoughts. Schedule a plan review with a local Core Insurance Advisor to see if you’re getting all the benefits available in your area. Call 877-440-8060 to speak with an agent today.

For more information on AEP, check out our AEP Checklist!