Fultz Financial

Working with an independent insurance agent gives you access to multiple insurance companies, allowing you to compare coverage options and pricing in one place instead of shopping around on your own.

Your Initial Enrollment Period is a seven-month window when you can first become eligible for Medicare. It includes the three months before your 65th birthday, the month of your birthday, and the three months after. This is your first chance to enroll in Medicare Part A and Part B (unless you qualify for Medicare under 65).

Health Insurance 101: “In-network Coinsurance” is the percent (for example, 20%) you pay of the allowed amount for covered health care services to providers who contract with your health insurance or plan. In-network coinsurance usually costs you less than out-of-network coinsurance.