FAQs

Important Reminder:
 
We do not work for the Federal Medicare program. We are a health insurance broker only available in Washington, Oregon, Virginia, Texas and Arizona states. All information that is given is provided by Joyce Joneschiet and Encore Life Health. By requesting this information, I understand that a licensed agent may contact me by phone or email to discuss Medicare Advantage plans, Medicare Supplement Insurance plans or Medicare Prescriptions Drug plans.
 
What does Marketplace Health Insurance mean?
 
If you are looking for Health Insurance and you are under 65 and not eligible for Medicare, we will help you shop in the WA State Health Plan Finder and look for affordable healthcare options. With our company, it will make the search easier for you as we will evaluate your needs to see which plan is the best fit. 
  
How long have you been a health insurance broker?
 
We opened up Encore Life Health back in 2018 but we’ve been in insurance for over 10 years. We wanted to make sure that each and every one of Washington, Oregon, Virginia, Texas and Arizona's residents had the right insurance plans so that they are covered in the event of any emergency that might happen. We want them to be prepared, knowledgeable, and to take the proper precautions to protect themselves and their loved ones.
 
Are your services free?
 
Whether you are looking for Health Insurance (for under age 65 or not Medicare eligible), Medicare Health Plans or Life Insurance to help protect you and your loved ones, our consultations are at no cost to you. The only payment you provide is for the healthcare option that you choose. We will evaluate your needs and help you determine which option is the best for you.
 
What are your services?
 
We offer a range of services that include helping you find healthcare coverage with Medicare health insurance plans, marketplace health insurance, as well as long term care insurance, whole and term life insurance. Contact us today for more information on how to find a plan that suits your specific needs.

How long do your services take?
 
If you provide us with the proper information, any service you choose can take anywhere from 30 minutes to an hour to evaluate. If you do not have all the information that we need, that is okay, we will help you through every step of the process so that you can have the coverage you need for your budget.
 
What are your hours of operation?

We help the residents of Washington, Oregon, Virginia, Texas and Arizona states with healthcare option coverage, Monday through Thursday from 9:00 am to 5:00 pm and on Friday from 9:00 am to noon Pacific Standard Time. We are not open evenings, Saturdays and Sundays except by special appointment. If you need additional information regarding our hours, please contact us. 
 
Medicare FAQs:
 
When am I eligible to enroll in Medicare?

If you have met the work-related eligibility requirements, you may begin Medicare enrollment 90 days in advance of the month you are turning 65 years old. Also, if you are under 65 and have had SSDI coverage for at least 24 months, you will automatically be enrolled in Medicare. If you have End Stage Renal disease requiring dialysis or ALS (Lou Gehrig’s Disease), you can qualify for Medicare.
 
Is it possible to have my dependent spouse on my Medicare plan?

Medicare does not support spousal or dependent coverage. Medicare is solely individual coverage. If your spouse has reached the age eligibility of 65 years old (or qualify for Medicare under 65 with the issues mentioned above), then they will be able to enroll in Medicare of their own accord 90 days in advance of the month they turn 65 years old.
 
Can I keep my employer coverage without getting Medicare Part “B”?

Keeping your employer coverage after you turn 65 depends on if the employer group has 20 eligible employees or more, and depends if you are going to continue to work. If that is so, then it is an option. However, there are many things to consider when keeping your employer coverage. Contact us today for more information.
 
Do I need to enroll in Part “A” and Part “B” of Medicare?

Typically, Part “A” should already be in place and be a paid-up benefit if you or your spouse have worked in the US for 10 years or more when you turn 65 years old. Part “B” on the other hand is not automatically in place unless you have enrolled in Social Security prior to turning 65 years old. If you have not filed to receive your Social Security benefits, then you need to proactively enroll in Part “B” benefits and begin paying for them. However, you should contact us today to go over your options before enrolling in Part B! Paying the monthly Part B premium should be an educated decision when it’s the right time.
 
When I retire, can I have “Original Medicare” A+B as my health insurance?

Yes, you can. However, if you have this type of insurance you will need to also have prescription coverage to avoid a penalty, and you will face unlimited exposure to those health costs due to the gaps in Original Medicare. By only having Original Medicare, there are no out of pocket maximums in place to provide a stop gap of your costs. We encourage you to get an additional health insurance plan to provide these maximums and if you are concerned about cost, there are many zero premium Medicare Advantage plans available!
 
When I’m on Medicare, will I be able to keep the same doctors as before?

More than likely, you can. It is also important to make sure that your doctor accepts Medicare because some doctors might not.
 
Does Medicare cover me if I’m in a nursing home?

Yes, Medicare can cover you for up to 100 days, if you qualify for ongoing treatment and only if you had a required three-day hospital stay prior to a transfer to the skilled nursing facility. Medicare is not long-term care insurance! If you need long term care insurance, please contact us.
 
Does Medicare have dental plans?

No, Medicare does not have dental plans, but some Medicare Advantage plans offer limited dental coverage.
 
Do I need Medicare if I am entitled to retiree benefits?

No, a retiree plan will typically wrap around Medicare's primary benefits. Contact us to go over your options to find a plan that suits your individual needs! There is no obligation or charge for this service and it’s important to make an educated decision.
 
What is Part “D”?

Part “D” is the Prescription Drug plan that Medicare introduced in 2006 that is a stand-alone plan which works alongside Original Medicare and a Medicare Supplement Insurance plan. These are available from private insurance companies that we are appointed with and we can go over the options based on the medications you take, if they are included in the company’s formulary, the pharmacies you use, how the deductible is applied and what your expected costs will be this year.
 
What happens if I miss my designated enrollment window into Medicare?

In addition to having a huge gap in coverage, you will likely face a penalty from Medicare. A Part “B” penalty can be 10% of your Part “B” premium for each 12-month period outside of Medicare, and up to 1% of the national average of a Part “D” plan for each month absent Part “D”. Both of these penalties are lifetime penalties.
 
What is a Part “C” plan?

Part “C” is another name for Medicare Advantage. Also known as MA, MSA, or MA-PD (when prescriptions are included).
 
What is creditable coverage?

This is a Medicare term that establishes previous coverage is at least as good as Medicare’s. Typically, this is in play for Part “B” or “D” to avoid a penalty.
 
Should I have both a Medicare Advantage Plan and a Medicare Supplement Plan?

No, you cannot have both. You can only have one or the other.