When can I enroll in Medicare?

Most people first become eligible during their Initial Enrollment Period, a seven-month window that starts three months before the month you turn 65 and ends three months after. There is also an Annual Enrollment Period each year from October 15 to December 7, when you can change Medicare Advantage or Part D plans, and a Medicare Advantage Open Enrollment Period from January 1 to March 31. Special Enrollment Periods may apply if you lose other coverage or move. We can help you figure out which window applies to your situation.

What is the difference between Medigap and Medicare Advantage?

Medicare Supplement (Medigap) works alongside Original Medicare and helps pay costs like deductibles and coinsurance, letting you see any provider that accepts Medicare nationwide, usually for a monthly premium. Medicare Advantage (Part C) replaces Original Medicare with a private plan that often bundles prescription drug coverage and extras like dental or vision, typically using a provider network with lower or no premiums but more cost-sharing as you use care. Which is better depends on your health, budget, providers, and travel. We walk you through the trade-offs for your specific circumstances.

Do I have to pay to work with a Medicare insurance agent?

No. Our services come at no cost to you. Medicare agents and brokers are paid commissions by the insurance carriers, so you pay the same plan premium whether you enroll through us or on your own. Working with a licensed agent gives you help comparing options at no additional charge.

Can I get Medicare coverage if I have kidney disease or am on dialysis?

Yes. People with End-Stage Renal Disease (ESRD) can qualify for Medicare, and recent rule changes have expanded Medicare Advantage options for people on dialysis or awaiting a kidney transplant. The right choice depends on your treatment, providers, and transplant plans, and the details matter a great deal. We have specific experience helping dialysis and transplant patients navigate these decisions.

Do you only serve clients in Port St. Lucie?

We are based in Port St. Lucie and serve the Treasure Coast in person, but as a licensed Florida agent we help clients across the state by phone and video. Most of our work is done remotely, so you can get the same guidance whether you are local or elsewhere in Florida.

Blog - Page 3 of 7 - Sean Watson Insurance

Why You Need Disability Coverage

Admin2017-02-08T20:08:32-05:00Disability Insuance, Personal Finance|

A group policy from work probably won\'t replace enough of your income to meet your needs. Source: Why You Need Disability Coverage

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As GOP Backs Off ACA Repeal, Obama’s Medicare Reforms Remain

Admin2017-01-30T10:06:16-05:00Affordable Care Act|

Republican Senate proposals to replace the Affordable Care Act don’t touch Medicare reforms made by President Obama’s signature legislative achievement to slow federal health spending and enhance benefits for seniors. Source: As GOP Backs Off ACA Repeal, Obama's Medicare Reforms Remain

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6 Powerful Personal Finance Trends For 2017

Admin2018-05-06T14:37:35-04:00Personal Finance|

#6 is a must. Here's how to profit from all of them. Source: 6 Powerful Personal Finance Trends For 2017

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Medicare Advantage Disenrollment Period: Key Facts to Know

Admin2017-01-11T14:56:33-05:00Medicare|

Regret signing up for Medicare Advantage? You can get a do-over now Source: Medicare Advantage Disenrollment Period: Key Facts to Know | Money

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Why The Rich And Super-Rich Will Purchase Life Insurance Even Without An Estate Tax

Admin2017-01-04T23:25:05-05:00Life Insurance|

Even if President-elect Donald Trump is proposing the elimination of the estate tax, reasons still remain for the rich and super-rich to purchase life insurance. Source: Why The Rich And Super-Rich Will Purchase Life Insurance Even Without An Estate Tax

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13 Things You Should Give Up If You Want To Be Successful

Admin2018-05-06T14:37:35-04:00Personal Growth|

”Somebody once told me the definition of hell: Source: 13 Things You Should Give Up If You Want To Be Successful – Personal Growth – Medium

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The top 20 fitness trends for 2017 | Fox News

Admin2016-12-27T22:49:18-05:00Fitness|

A new year symbolizes a fresh start—and the perfect chance to reboot your stale workouts with one of 2017's top fitness trends. Source: The top 20 fitness trends for 2017 | Fox News

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You’ll want to start your New Year’s resolution early after reading this

Admin2016-12-27T22:44:21-05:00Health & Wellness|

Need a little New Year’s resolution inspiration?These seven New Yorkers raised the bar(bell) in 2016, running days at a time and dropping hundreds of pounds. Here, they tell The Post how they did Source: You’ll want to start your New Year’s resolution early after reading this | New York Post

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Diabetes costing Americans more than any other disease

Admin2016-12-27T22:33:49-05:00Diabetes|

A mere 20 conditions appear responsible for over half of all medical expenditures in the United States. Source: Diabetes costing Americans more than any other disease

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5 Keys to Being a More Mindful Entrepreneur

Admin2016-12-19T21:18:05-05:00Entrepreneur|

The right mindset can make you a more inspired, effective and happier entrepreneur. Source: 5 Keys to Being a More Mindful Entrepreneur

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