Medicare Agent in St. George, UT

CLARIFYING YOUR COVERAGE

Clarifying Your Coverage

Frequently Asked Questions

When it comes to the Medicare enrollment process, we feel your pain — we understand how confusing the system can be. Luckily, Nicole Wiggins of Premier Senior Insurance Group has dedicated her 30-year career to uncomplicating Medicare and helping people like you enroll to receive the benefits they deserve!

We’ll work with you to determine whether A Medicare Advantage or Supplement plan is in your best interest. Additionally, we’ll look into adding Medicare Part D (which refers to prescription drug plans) to your coverage.

Premier Senior Insurance Group has the ability to serve clients nationwide! Call us in St. George, UT, to get started.

When should I enroll in Medicare?
If you’re new to Medicare, your initial enrollment period begins 3 months before the month in which you turn 65, and ends three months after the month in which you turned 65. For example, if your 65th birthday is May 15, your initial enrollment period begins Feb 1 and ends August 31. You should contact your agent at least 3 months before your 65th birthday to ensure you enroll at the proper time and are not subject to late enrollment penalties.

If you are already enrolled in Medicare, you will have an annual election period during which you can change most medicare plans. The annual election period is October 15 through December 7 every year.

There are also special election periods throughout the year for certain circumstances. Consult your agent for further guidance.

I don’t live in Utah; can Premier Senior Insurance Group still help me receive coverage?
Yes! Our agency is licensed in Florida, New York, New Jersey, Nevada, California, and Utah. Additionally, we have referral partners who are licensed in all states who sell policies nationwide.
Are your services expensive?
The short answer is “NO”.

Consumers pay the same for their insurance policy regardless of how they conduct their purchase (through an agent or direct to the insurance company). Agents are paid directly by the insurance carriers – not by the client. An important consideration for consumers is to find an independent agent licensed to offer multiple plans and companies. Make sure the agent freely shares rates for each plan represented.

Why do I need a Medicare agent?

Navigating the Medicare enrollment process by yourself can be overwhelming! As an independent agent, Nicole Wiggins of Premier Senior Insurance Group works with multiple national Insurance companies, which gives you the unique advantage of being able to shop around plans and companies to find the one that best suits you and your healthcare needs. Nicole takes the time to help clients understand their Medicare options and make an informed decision.

Medicare Advantage and Medicare Supplemental Plans - What's the Difference?

Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. These “bundled” plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare prescription drug (Part D).Medicare Advantage Plans cover all Medicare services. Some Medicare Advantage Plans also offer extra coverage, like vision, hearing and dental coverage. Each Medicare Advantage Plan can charge different out-of-pocket costs. They can also have different rules for how you get services, like:

  • Whether you need a referral to see a specialist
  • If you have to go to doctors, facilities, or suppliers that belong to the plan’s network for non-emergency or non-urgent care

These rules can change each year.

Medicare Advantage plans offer lower monthly premiums and in some cases no monthly premium.

What is a Medigap policy?

Medigap plans help pay some or all of the health care costs that original Medicare doesn’t cover such as:

  • Deductibles
  • Co-Payments
  • Co-Insurance

Some Medigap plans also cover medical care when traveling outside the United States.

  • Private insurance to “fill in gaps” of Parts A & B (Deductibles, Coinsurance, Copayments
  • 10 Standardized Plans depending on State and Coverage
  • Flexibility to see any doctor that accepts Medicare
  • Guaranteed Renewable as long as you pay your premiums
  • Go direct to physicians and specialists without pre-approvals
  • Benefits stay the same once you enroll in a Plan
  • Certain Guarantee Issue Periods without medical questions depending on specific criteria

These Medigap plans do not include prescription drug coverage or coverage for dental, vision or hearing aid services. These must be purchased separately.

Have more questions? Call 435-319-9483 for more information!