Turning 65
Get help understanding Medicare Advantage, Medicare Supplement, and Part D coverage. Joseph reviews your providers, prescriptions, and costs so you can compare the options before enrolling.
Medicare Annual Enrollment · October 15 to December 7
Review Your Medicare Plan During Annual Enrollment
Make sure your coverage still fits your needs.
Medicare Annual Enrollment runs from October 15 through December 7. Review changes to premiums, prescription coverage, and provider networks with Joseph before making your decision. There is no fee for the consultation.
Start my meetingUnderstanding the Part B premium reduction Some Medicare Advantage plans offer a Part B premium reduction, sometimes called a giveback. It may reduce the amount deducted from your Social Security payment or billed by Medicare. Availability and amounts depend on the plan and your location. Joseph can check available options with you.
Where are you starting?
Already on a plan
Bring your Annual Notice of Change to review next year’s benefits and costs. Joseph can compare your current coverage with available plans, including any Part B premium reduction options in your area.
Under 65
If you are under 65, Joseph can help you compare Marketplace and private health coverage. Select the coverage you would like to discuss when booking.
Start the meeting
Choose the coverage you would like to discuss, then select an available time.
After you enroll
Joseph remains available after enrollment. If you have a prescription, provider, or billing question, contact him for help reviewing your coverage and working with the insurer, pharmacy, or provider’s office.
Frequently asked questions
Do I get a bill for the meeting?
No. There is no fee for the consultation. Joseph receives a commission from the insurance company if you enroll in a plan he offers.
What should I bring?
Your Medicare card if you have one, a list of your doctors, and a list of your prescriptions with the doses. If you already have a plan, bring the Annual Notice of Change. If you are turning 65, bring any coverage or enrollment information you have received.
How long does it take?
A new-client meeting is about an hour. An annual review is usually shorter. If we need more time, we take it.
Do I have to enroll if we meet?
No. The consultation helps you understand and compare your options. You are under no obligation to enroll.
Are you Medicare?
No. I am an independent licensed broker. Official Medicare information is at Medicare.gov or 1-800-MEDICARE.
What is a Part B giveback?
Some Medicare Advantage plans lower the Part B premium. If it comes out of Social Security, less is taken and more stays in the check. If Medicare bills you, the bill is lower. It depends on the plan and your ZIP. Not every plan offers it. We look it up in the meeting. It is not a separate payment.
I already have a plan and an agent.
You are welcome to request a second opinion. Bring your Annual Notice of Change so Joseph can review whether your current coverage still meets your needs.
Can we meet in person?
Yes. A house call in Palm Beach County and nearby, or at Aberdeen Golf & Country Club, The Boca Raton Club, or Beach Club at The Boca Raton. Phone and video consultations are also available.
The pharmacy rejected a drug.
Contact Joseph for help understanding the rejection and reviewing next steps with the pharmacy or insurer.