Talk with an adviser
877-657-7477
UPDATED Feb. 7, 2019. Typically, you may join, change or leave a Medicare Advantage plan or Part D plan in one of three enrollment periods: Initial Enrollment Period when you first qualify for Medicare, Medicare Open Enrollment Period (Oct. 15-Dec. 7), and Medicare Advantage Open Enrollment Period (Jan.1 – Mar. 31). Outside of these three periods, you may change your coverage only during Special Enrollment Periods (SEPs), if you are qualified. Read more…
UPDATED 11/24/2018 It is quite important to provide basic of Medicare for people whose native language is different from English. For the convenience of our many readers, Liberty Medicare provides information on Medicare in the Russian language in the form of Medicare Library.
UPDATED Oct. 27, 2023. If you don’t buy Medicare when you are first eligible, you may be a subject for Part B Late Enrollment Penalty.
When you’re first eligible for Medicare, you have a 7-month Initial Enrollment Period to enroll in Medicare. It begins 3 months before you turn age 65, or, in the case of disability, 3 months before your 25th month of disability. You can sign up anytime during this time. If you sign up for Part A and/or Part B during the first 3 months of your Initial Enrollment Period, the coverage will start in most cases the first day of your birthday month. However, by waiting until you are 65 or older, your Medicare coverage will be delayed.
UPDATED Mar. 20, 2019. Medicareful Online Enrollment Tool is the CMS-accepted quote engine for Medicare plans from Ritter Insurance Marketing. Medicare is a complex and confusing subject. The experience of selecting a Medicare plan on your own can be very frustrating, and the help of using Medicareful quote engine can be very instrumental. By entering the zip code, you can unlock all of the Medicare plans available in your area, such as Medicare Advantage Plans, Medicare Prescription Drug Plans, and Medicare Supplement Plans (future). Read more…
UPDATED on Oct. 27, 2023. Medicare Part B is the Medical Insurance portion of Original Medicare, allowing you to use any doctor, specialist, or hospital that accepts Medicare. To enroll in Medicare Part B, you may use one of the several enrollment periods: Initial Enrollment Period, General Enrollment Period, Special Enrollment Period for people covered under current employment.
Medicare Part B is optional. Read more…
Liberty Medicare expands its health insurance operations in Virginia. You may now inquire and enroll in one of Medicare plans in all five Mid-Atlantic States (Pennsylvania, New Jersey, Delaware, Maryland, and Virginia), as well as in two Midwest States (Illinois and Ohio).
We also help you to enroll in one of Marketplace plans in Pennsylvania and New Jersey.
UPDATED Mar. 17, 2019. The subject of this post is Medicare Supplement Underwriting Questions.
Typically, if you are applying for a Medicare Supplement policy, the insurance company is allowed to use medical underwriting to decide whether to accept you. Medical Underwriting is the process that an insurance company uses to decide, based on your medical history, whether or not to take your application for insurance, whether or not to add a waiting period for pre-existing conditions (if your state law allows it), and how much to charge you for that insurance. In APPENDIX below, you may find the typical Medical Questionnaire used for Medical Underwriting.
But under certain circumstances, medical underwriting does NOT apply. The article below reviews how to get a Medicare Supplement without Underwriting Questions. Read more…
Liberty Medicare has been selected for 2015 Best of Wynnewood Award in the Insurance category by the Wynnewood Award Program.
Each year, the Wynnewood Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our community. These exceptional companies help make the Wynnewood area a great place to live, work and play.
Various sources of information were gathered and analyzed to choose the winners in each category. The 2015 Wynnewood Award Program focuses on quality, not quantity. Winners are determined based on the information gathered both internally by the Wynnewood Award Program and data provided by third parties.
The Wynnewood Award Program is an annual awards program honoring the achievements and accomplishments of local businesses throughout the Wynnewood area. Recognition is given to those companies that have shown the ability to use their best practices and implemented programs to generate competitive advantages and long-term value.
For more details, please read the PRESS RELEASE.
What do you think about Liberty Medicare has been selected for 2015 Best of Wynnewood Insurance Award? Write your comments.
For help finding the best Medicare or Individual Health Plan for you, please contact Liberty Medicare or call us at 877-657-7477.
Medicare Supplement Plan J, also known as Medigap Plan J, was one of the most popular plans until it was discontinued on June 1, 2010. Nevertheless, many seniors still keep the policy. Read below about the Medicare Supplement Plan J benefits, and analysis Plan J vs. Plan F. Find whether you should keep Medigap Plan J or consider switching to one of the Standardized Medicare Supplement plans. Read more…
If in addition to Medicare you have other health insurance plan (such as an employer group health plan), then it is essential to know when Medicare is primary insurance. If Medicare is primary, then it pays the bills first, up to the limit of its coverage. The secondary insurance pays only after Medicare paid its share. Alternatively, if Medicare is secondary, then it pays after the primary insurance paid. If you do not have primary insurance, the secondary insurance will cover very little of your health expenses or nothing at all. Read more…