WELCOME TO OUR FAQ PAGE
FAQs
We know that navigating health and life insurance can feel overwhelming, and you likely have many questions. Below, you'll find clear, concise answers to some of the most common questions we receive—from Medicare basics to life insurance details. Our goal is to empower you with the information you need to make informed decisions about your coverage.
WELCOME TO OUR FAQ PAGE
FAQs
We know that navigating health and life insurance can feel overwhelming, and you likely have many questions. Below, you'll find clear, concise answers to some of the most common questions we receive—from Medicare basics to life insurance details. Our goal is to empower you with the information you need to make informed decisions about your coverage.

In addition to Medicare, we help with:
- Individual & Family Health Insurance (ACA Marketplace/Obamacare plans)
- Life Insurance (Term, Whole Life, Final Expense)
- Long-Term Care & Disability Insurance
- Ancillary Health Insurance (Dental, Vision, etc)
- Travel Insurance
What is IRMAA?
IRMAA (Income-Related Monthly Adjustment Amount) is an extra charge added to your Medicare Part B and Part D premiums if your income is above a certain threshold.
How Is It Determined?
- IRMAA is based on your tax return from two years ago (e.g., your 2023 income determines your 2025 IRMAA).
- Higher-income earners pay more for Medicare.
Can You Appeal?
Yes! If your income has dropped due to retirement, job loss, or other life events, you can appeal IRMAA by filing Form SSA-44 with Social Security.
Need help? We can guide you through the IRMAA appeal process! 📞 Call/text us at 732-708-6506 for a free consultation.
Yes, delaying Medicare enrollment without qualifying for a Special Enrollment Period can lead to penalties:
- Part B Late Enrollment Penalty: A 10% increase in your monthly premium for every year you delay enrollment.
- Part D Late Enrollment Penalty: An additional cost added to your premium if you go greater than 63 days without creditable drug coverage.
The two main types are:
- Term Life Insurance: Provides coverage for a specific period (e.g., 10, 20, or 30 years). It’s usually more affordable but does not build cash value.
- Permanent Life Insurance: Covers you for your entire life and can build cash value over time. This includes whole life, universal life, and indexed universal life insurance.
Anyone can apply for coverage during the Open Enrollment Period, which runs November 1 – January 31.
Outside of that window, you may qualify for a Special Enrollment Period if you experience a life event like getting married, having a baby, moving, or losing job-based coverage.
Additionally, if your annual household income is at or below 200% of the Federal Poverty Level (e.g. $30,120 for an individual or $62,400 for a family of four in 2025), you may qualify for year-round enrollment with access to low- or no-cost plans.

In addition to Medicare, we help with:
- Individual & Family Health Insurance (ACA Marketplace/Obamacare plans)
- Life Insurance (Term, Whole Life, Final Expense)
- Long-Term Care & Disability Insurance
- Ancillary Health Insurance (Dental, Vision, etc)
- Travel Insurance
What is IRMAA?
IRMAA (Income-Related Monthly Adjustment Amount) is an extra charge added to your Medicare Part B and Part D premiums if your income is above a certain threshold.
How Is It Determined?
- IRMAA is based on your tax return from two years ago (e.g., your 2023 income determines your 2025 IRMAA).
- Higher-income earners pay more for Medicare.
Can You Appeal?
Yes! If your income has dropped due to retirement, job loss, or other life events, you can appeal IRMAA by filing Form SSA-44 with Social Security.
Need help? We can guide you through the IRMAA appeal process! 📞 Call/text us at 732-708-6506 for a free consultation.
Yes, delaying Medicare enrollment without qualifying for a Special Enrollment Period can lead to penalties:
- Part B Late Enrollment Penalty: A 10% increase in your monthly premium for every year you delay enrollment.
- Part D Late Enrollment Penalty: An additional cost added to your premium if you go greater than 63 days without creditable drug coverage.
The two main types are:
- Term Life Insurance: Provides coverage for a specific period (e.g., 10, 20, or 30 years). It’s usually more affordable but does not build cash value.
- Permanent Life Insurance: Covers you for your entire life and can build cash value over time. This includes whole life, universal life, and indexed universal life insurance.
CONTACT
Protect yourself
and your family's future
Secure peace of mind with coverage you can count on. Whether it's health, dental, vision, or life insurance
— we're here to help you plan confidently for tomorrow.
CONTACT
Protect yourself
and your family's future
Secure peace of mind with coverage you can count on. Whether it's health, dental, vision, or life insurance — we're here to help you plan confidently for tomorrow.