CDA Insurance LLC

Confused by Medicare “Extra Help”? We’ve got you covered. Originally known as the Low-Income Subsidy (LIS), this offering helps eligible Medicare beneficiaries lower their Part D prescription costs. Swipe for more information.

Not sure if you qualify? I can review your situation, explain your options, and help you apply. Give me a call to start the process or get more information on this program.

This July, we’re not just celebrating Independence Day — we’re also celebrating 250 years as a nation, a truly once-in-a-lifetime holiday. CDA Insurance wishes you a happy, safe, and memorable Fourth of July!

Please note that the office is closed on Friday, July 3rd. I’ll be back on Monday, July 6th, ready to assist with any early summer questions or needs.

Navigating benefits and enrollment can feel overwhelming, especially when you are sorting through plan details, costs, and important deadlines. Keeping everything in one place, whether in a folder or a digital file, makes it easier to review your coverage, understand your costs, and spot changes, so you can make confident decisions for the year ahead.

Keep current ID cards somewhere easily accessible, and store plan documents, important letters, and digital backups in one place so you can easily review your coverage and stay organized.

If you want to feel more prepared navigating your benefits, our team is here to help you get organized and review your coverage with confidence. Reach out today to get started.

If you’re turning 65 soon and are unsure about what it means to enroll in Medicare, you are not alone. One of the most common questions we hear from those nearing retirement is around the timeline for signing up for Medicare.

So, I wanted to share a few important reminders to help you stay on track:

✅Know your enrollment window. Your initial enrollment window lasts for seven months — three months before your 65th birthday, your birthday month, and three months after your birthday. Enrolling early in this timeframe can help ensure your coverage begins right when you need it.

✅Understand how to sign up. Some individuals are automatically enrolled in Original Medicare, while others need to take action themselves to enroll in Original Medicare. This often depends on whether you are already receiving Social Security benefits.

✅Do not delay without a plan. Waiting too long to enroll without qualifying coverage can result in delayed coverage start dates and ongoing late-enrollment penalties.

✅Be aware of other options. If you are still working and covered under an employer plan, you may qualify for a Special Enrollment Period that can allow you to defer your enrollment. However, missing all enrollment windows can limit your options and increase costs, so it's best to clarify this early.

Medicare decisions can feel overwhelming, but you do not have to navigate them alone. Whether you are approaching 65 or are simply evaluating your options, contact us for guidance tailored to your situation.

Your Medicare coverage should not be something you only think about once a year. Certain life changes, plan questions, or coverage issues are good reasons to reach out sooner to avoid surprises and make sure your plan still fits your needs.

The best time to call your Medicare agent is before a small question becomes a bigger coverage problem. If you need help reviewing your plan, preparing for enrollment, or understanding a recent life change, contact my office at any time.