Frequently Asked Questions
Ulness Health is here to help you get the answers you’re looking for.
Medicare Plans Frequently Asked Questions
I am turning 65 soon. What should I do about Medicare?
That’s an excellent question with a really long answer that depends on your circumstances and preferences. If you’re terribly confused, we can help! We pride ourselves on educating people about their Medicare Health Plan options using a no pressure, consultative approach. We’d love to meet you and see how we can help.
When may I first enroll in a Medicare Health Plan?
During your Initial Enrollment Period. If you become eligible for Medicare by turning 65 years old, then your Initial Enrollment Period starts on the first day of the month that is three months before your 65th birthday month, and ends the last day of the third month after your 65th birthday month. So, if your 65th birthday is in July, then you may enroll in a plan starting April 1, for coverage to begin July 1.
When may I change my Medicare Health Plan?
Each year during the Annual Enrollment Period. Insurance Carriers may start marketing the next year’s products starting October 1 and you may enroll from October 15 until December 7, for coverage to begin January 1 of the following year.
What is the difference between a Medicare Advantage plan and Medicare Supplement Insurance?
Medicare Supplement Insurance supplements the benefits you have under Original Medicare (Part A and Part B). You will have two cards to present at the hospital or doctor’s office: your Medicare card (red, white, and blue striped) and your Supplement card from your Supplement plan company. Your health care provider will bill Original Medicare first, the remaining 20% will be submitted to your Medicare Supplement Insurance carrier
A Medicare Advantage plan takes the place of Original Medicare (Part A and Part B). You will have only one insurance card to present at the hospital or doctor’s office: your Medicare Advantage plan card from your the private insurance company from which you purchased the plan. Your health care bills will be submitted to that insurance company for payment per the terms of your plan.
Will it cost me extra to use an agent?
Nope! Agents are compensated by the insurance carriers whose plans they sell, so the cost is the same to you regardless of whether or not you use the services of an agent. Our agents love helping you pick the best plan and save you the most money. We are appointed with many different insurance carriers, so we are not tied to one company’s plans and are free to recommend the plan that is best for you.
Health Insurance Frequently Asked Questions
Am I required to have health insurance?
Yes. The Affordable Care Act (aka Obamacare) requires everyone to be covered by a health insurance plan. If you do not have coverage through an employer, you will have to purchase a plan on your own. We can help you find the best plan and figure out if you are eligible for tax credits to reduce your premium.
Should I use an agent to purchase health insurance?
We think so! It is possible to purchase health insurance without an agent, but it will cost you the same whether you use an agent or not. Why not take advantage of the expert help that an agent offers at no cost? With our agents, there’s no pressure or creative sales tactics. We use a straightforward consultative approach to analyze your situation, find the best plan for you, and save you the most money. If you prefer to sign up online but still have us as an agent in case you need our expert help, then click here (WI residents only) to find a plan and enroll online. Remember, an agent can also help you if you encounter problems after you enroll. If you don’t use an agent, you are stuck using your carrier’s call center, and you won’t have an expert to help guide you to a resolution.
May I continue to see my current doctor when I sign up for a new plan?
Yes, but we need to make sure you pick a plan that has your doctor in its network. Here at Ulness Health Insurance & Wellness, we are familiar with which health care providers are each plan’s network, so let us help you find the plan that will be best for you and your current provider.
Dental Insurance Frequently Asked Questions
Should I have dental insurance?
That is up to you. Dental expenses are typically predictable which makes them easy to budget for, but some people prefer to have dental insurance coverage. When signing up, be sure to understand the plan’s waiting period (if applicable), the services it covers, and its maximum benefit.
What does dental insurance cover?
Dental plans typically cover preventive services (such as cleanings), basic services (such as x-rays and sealants), and major services (such as implants and sometime orthodontia). Each type of service has different benefits. For example, one type might be covered at 80%, while another is only 50%. Be sure to carefully review your plan before enrolling.
Is my dentist in-network?
Using an in-network provider will always give you the most benefits. Be sure to look up your dentist on the plan’s website to verify that he or she is in your plan’s network.
Vision Insurance Frequently Asked Questions
Do I need to purchase my eyeglasses or contacts at the same place where I get my eye exam?
No. You are free to purchase eyeglasses or contacts from somewhere other than your optometrist’s office. Be sure to obtain your prescription from your eye doctor and check to make sure your eyewear provider is in your plan’s network to maximize your benefits.
Does vision insurance cover LASIK surgery?
Many plans offer discounts on LASIK procedures. Be sure to check the details of your plan to verify that it offers this discount.
Is my eye doctor in-network?
Using an in-network provider will always give you the most benefits. Be sure to look up your eye doctor on the plan’s website to verify that he or she is in your plan’s network.
Supplemental Insurance Frequently Asked Questions
Is a supplemental insurance plan right for me?
It depends. They aren’t a requirement, but some people find them beneficial for the peace of mind they provide. It all depends on your own personal goals and situation.
Do I still need a “regular” health insurance plan?
Yes. The Affordable Care Act requires everyone to have a Qualified Health Plan, otherwise you’ll pay a tax penalty. Supplemental plans are not Qualified Health Plans.
How do I learn about the cost of a supplemental insurance plan?
The best way is to contact us to discuss your goals, analyze your situation, and get a quote. We will never pressure you to sign up for a plan you don’t want.
SCHEDULE A 1-ON-1 MEETING
At Ulness Health, we strive to provide you with the guidance and resources needed to help you understand your health insurance or Medicare plan. We offer free, 1-on-1 meetings throughout the year to assist you in choosing the best plans to meet your health care needs, and to fit your budget.
NOT SURE WHERE TO START?
Simply fill out the form below, and we’ll contact you to help with your next steps.