Maryland Medicare Options
Should You Enroll Into Medicare?
Click the image to Download my free Medicare enrollment decision guide.
Since 2011, I've Helped 1,000's Of Clients
What Maryland Medicare Options Does For You
EXPLAIN YOUR OPTIONS
I will help you understand all your Medicare options so you can decide which is best for you. I will show you several plans to compare "apples-to-apples." I will explain all the costs and find you the lowest priced option to cover all your requirements.
HANDLE ALL PAPERWORK
After you select the perfect plan, I will handle all the filing of the applications. I will ensure they are submitted within Medicare's guidelines and follow up with you once you're approved. I am HIPPA compliant and securely store documents for at least 10 years.
Medicare rules and rates change yearly. I dedicate at least 80+ hours per year to certification, training and education. This allows me to notify you when your plan is negatively affected so we can make new arrangements for a change in coverage.
Why is working with me so different?
The main difference between myself and other "agents" is that Medicare insurance is all I do. I have elected to make Medicare my only line of business. I'm local to Maryland (Annapolis) and cover the entire state, no matter where you live. This means we can meet in person and I have local knowledge of the area, rules, deadlines and doctor networks. I'm licensed with many carriers that other agents don't even know about. And since I've helped 100's of seniors obtain great coverage, I know all the little "tricks and gotchas" of the Medicare universe. My focus is to find you the best coverage for the lowest price.
You only get one chance to "start Medicare" and working with someone that knows exactly what to do is critical to ensure a smooth and efficient transition. Give me a call to discuss your Medicare needs.
"Broker" vs "Agent": Even if we don't work together, I would encourage you to work with an independent broker rather than an "agent." A broker means they don't work for any particular insurance carrier, an agent is often a direct employee of the insurance company. Brokers are 100% independent and licensed with a variety of carriers. As long as the broker has access to at least 10 different insurance carriers, they should be able to properly help you, without being biased.
Knowing What Is Available Is The First Challenge With Medicare Insurance Shopping
Sometimes too many choices leads to analysis paralysis and mass confusion. There is a ton of out-dated and misinformation out there. I always stay up-to-date and present my clients with ALL their choices in the marketplace, even if I don't have access to one or two options (I still want you to know about them).
Medicare insurance is complex. It has various deadlines, acronyms, pricing structures and rules that if broken or ignored, can lead to penalties in the form of delayed coverage or even financial penalties.
Since I offer all types of medicare plans, I can walk you through all of them, explaining them in plain english so you fully understand each benefit. This is the only way you can ever have a clear picture about your medicare options. If you're turning 65 soon, learn What To Do When Turning 65.
I am licensed and authorized to sell Medicare:
All Maryland Medicare Options Services Are FREE And You'll Never Pay More For My Help
I am compensated by the insurance carriers for helping you. You never pay a broker fee or inflated insurance premiums for having me help you. In fact, all insurance rates are set by law, so you will always be presented with published, verifiable, real-time pricing. Let me help you save money!
Turning 65 And What You Need To Know
There are a few ways you can qualify for Medicare insurance. Most people qualify by turning 65 years of age. You can enroll into the Medicare system up to 3 months prior to your 65th birth month, but your benefits will not start until the first day of your 65th birth month. If you were born on the 1st, then your benefits start one month earlier, on the first day of the month prior to your 65th birth month.
You can also qualify for Medicare at any age if you're permanently disabled after a 2 year waiting period. Those that have End Stage Renal Disease (ESRD) or ALS (also known as Lou Gehrig’s disease) also qualify but do not have to wait 2 years to obtain benefits. Typically your benefits start after four months of dialysis or as soon as your SSDI benefits begin for those with ALS. To learn more about how you can qualify for Medicare, please visit Medicare.gov or call Maryland Medicare Options at 410-896-1212.
Waiting Will Cost You
Waiting to enroll or missing vital deadlines may cost you money in the form of penalties, or even delayed enrollment! Do NOT wait to enroll into Medicare unless you have credible coverage through a Union, or you are able to stay on your employer's group plan past your 65th birthday. As long as you have credible coverage, you do not need to enroll into Medicare and you will not incur any penalties. There are exceptions to this rule, so please contact me at 410-896-1212 to discuss your situation.
Do You Make More Than $90,000 Per Year? Read About Potential Penalties If You Do!
Enrolling into Medicare is easy and is done through your local Social Security Office. If you're already taking SSI benefits, you'll be automatically enrolled into Medicare.
Medicare hasn't been known to be a "great communicator" and they typically leave it up to you to figure things out. That's where a trusted broker like myself steps in.
Most people are surprised by the savings Medicare offers them over workplace insurance or Obamacare. And to be honest, there are some great additional benefits that Medicare offers.
Medicare Products I'm Licensed To Help You With
Here's "What You Get"
With Maryland Medicare Options
100% Satisfaction Guarantee
You are fully protected by my Client Satisfaction-Guarantee. If you don't get the service you deserve from Maryland Medicare Options, and the right plan that fits your needs, just let me know and I work with the insurance companies to help make things right. I will continue to help you obtain the coverage you want, even if you elect to work with another broker.
30-Day Premium Refund Guarantee
If within 30 days you're not 100% satisfied with your Medicare insurance plan, and no claims have been submitted, you will receive a refund of your first month's premium and coverage will be cancelled and a new plan selected.
Call (410) 896-1212
Frequently Asked Questions
Is there a fee for your services?
No. Unlike other insurance services, I do not charge a broker fee and you will always pay the lowest published price for your premiums. My job is to help lower what you pay in order to keep you as a happy customer.
What do I need before we work together?
You need to be Medicare eligible or about to become eligible within the next 12 months. At some point I will need your Medicare number and your signature in order to submit your applications. Some companies do require your SSN and a checking account for the premium payment, however, this is only needed at the very last minute, while the application is being filled out.
Can this all be done over the phone/online?
Yes, of course. We don't have to meet in person. We can speak by phone and handle everything online, from eSignatures to copies of the applications, we can work together remotely. I'm also happy to meet in person if that's more preferable to you.
If it's free, how do you make money?
The insurance carriers compensate me. I'm paid a little bit each month to service my clients. They have already factored in my compensation when setting premium amounts. This means you won't pay more for working with a broker.
What licenses do you hold to sell Medicare?
I am certified by the state of Maryland with a Life & Health license (as well as DE, VA, PA, FL, CA, AZ, TX). My Medicare expertise is in Maryland, but I can assist clients in the other states above. I recertify annually with all my carriers and America's Health Insurance Plans (AHIP) registering over 80+ hours each year for training, testing and compliance. I carry Errors & Omissions insurance from the National Association of Professional Agents and must follow strict HIPPA guidelines with my client's data. Additionally, some insurance carriers run my credit report annually, to ensure I avoid financial troubles.
Do you sell any other types of insurance?
Medicare is my focus, but when asked, I do have access to dental, vision, travel, life, critical illness and accident insurance. NOTE: I present other products only when asked by my clients. Often times clients become raving fans, and only want to deal with me for other types of insurance, so I only offer these products in those situations. I often times refer out to other brokers that are experts in their respective products. I do not offer ACA / Obamacare, Property & Casualty such as home, auto or boat insurance.
FRIENDLY NOTE: Helping you with your Medicare insurance is how I support my family. I'm a hard working independent broker that is knowledgeable and committed to your satisfaction. If you know of anyone I can help, I would appreciate you sharing my information with them.
I do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Peter Palmiotto is an independently licensed insurance broker and receives compensation when insurance policies are issued. He is not sponsored or endorsed by any insurance company. This is a proprietary website. and is not, associated, endorsed or authorized by the state of Maryland, Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov