Diabetic Life Insurance FAQ’s

The Open Enrollment Period for Affordable Care Act plans on the Federal Facilitated Marketplace (https://www.healthcare.gov)
has ended.

You NOW need a
Qualifying Life Event to qualify.

There are no pre-existing condition limitations.

Call Us At 786-970-0740 (Cell)
to determine what kind of plan you may be eligible for.

Outside of the Annual Enrollment Period, enrollment in a Medicare Advantage, Medicare Advantage Prescription Drug, or Medicare Coverage (Part D ) plan can occur ONLY if a Medicare beneficiary is eligible for another election period [e.g., the Individual/Individual Coverage Election Period (ICP or ICEP)] when first becoming eligible for Medicare; a Special Election Period (for those who experience qualifying life events like an involuntary termination of their existing plan, moving outside of the plan’s service area; losing or becoming entitled to Medicare; losing Extra Help; declaration of a weather related emergency, etc.); or the Open Enrollment Period. Except for individuals desiring to enroll in a Chronic Special Needs Plan, there are no health questions to qualify.

Medicare beneficiaries can enroll in a Medicare Supplement plan within 6 months of their Part A and B effective dates without answering health questions. Generally, individuals with Medicare Supplement plans can change plans at any time but in many cases will need to answer health questions to qualify. Individuals with Medicare Advantage plans can enroll in Medicare Supplement plans during the Annual Enrollment Period or Open Enrollment Periods but in most cases will have to answer health questions. There are special rules for individuals with “trial rights” or eligibility for guaranteed issue policies that don’t require answering health questions.

Call us at 561-734-3884 or 877-734-3884 (TTY: 711) for details.