Why work with The Daywalt Group?

We are a full-service Health Insurance agency providing affordable health insurance plans to those just turning 65 and other Medicare-eligible individuals. We understand how complicated Medicare can be, so we take the time to get to know your unique healthcare needs first. Then, we provide step-by-step guidance and decision support through the entire Medicare transition process to enrollment and beyond, where we’ll evaluate your plan annually to identify any changes.

Am I eligible for Medicare?

Medicare is available for people who are age 65 or older, and for individuals with qualifying disabilities, End Stage Renal Disease or Lou Gehrig’s disease. Generally, you’ll be able to enroll during your seven-month Initial Enrollment Period, which includes the three months before and the three months after the month of your 65th birthday.

My family member is close to being Medicare-eligible. Can The Daywalt Group help me?

Yes! Caregivers have become very engaged in the Medicare health plan selection process for their loved ones. We encourage you to participate in our educational programs and can assist you through the point of enrollment. If you are a designated power of attorney, you can enroll your loved one in the plan of their choice.

Why re-evaluate your Medicare plan annually?

Every year from October 15 to December 7, Medicare beneficiaries have the option to make changes to their Medicare plans during the Annual Enrollment Period (AEP). The reason that Medicare gives you the option to change plans every year is because Medicare plans themselves can change every year. Your insurance company should send you any changes that have been made to your plan for the next year in the form of an Annual Notice of Change (ANOC) before the enrollment period begins. It’s important to re-evaluate your Medicare plan annually to make sure that the plan you have is still the best one for you.

Do I need to sign up for Medicare even though I am still working?

If your company has more than 20 employees and offers health care coverage through which you receive benefits, you do not have to enroll in Medicare when you turn 65. People who are still working often decide to enroll in Part A when they become eligible because they can receive benefits without having to pay a premium. However, enrolling in Part A can impact your Health Savings Account (HSA) if you have one. The decision to delay enrollment in Part B depends on each individual’s situation. However, it is important that you delay coverage correctly to avoid possible penalties when you eventually enroll.

When is the best time to enroll in Medicare?

You’re eligible to enroll in Original Medicare at age 65, or earlier if you’re disabled or have End-Stage Renal Disease. You’ll automatically be enrolled in Medicare Part A if you’re receiving Social Security benefits or railroad retirement checks. If not, you may need to enroll yourself. You have an opportunity to enroll in Medicare Part B during your Initial Enrollment Period (IEP). If you don’t enroll then, you may have to pay a late enrollment penalty. Your monthly premium will increase 10% for each 12-month period you were eligible for Part B but did not enroll. You will be responsible to pay this Part B late enrollment penalty each month that you remain enrolled in Part B. If you have medical coverage through an employer group health plan based on your current or past employment, you may not need to sign up for Medicare Part B at age 65. You will qualify for a Special Enrollment Period (SEP) allowing you to sign up for Part B at a later date. Contact us to find out how your current group health plan coverage works with Medicare.

What services do you offer to help educate employees about Medicare?

The number of aging employees continues to grow nationally, requiring a focused strategy from employers. We work directly with human resources departments to provide employees comprehensive Medicare learning opportunities. We coordinate Medicare education programs and enrollment solutions that include Medicare Basics webinars, and decision-support plan selection and enrollment.

How do you earn revenue if your services are free of charge?

The Daywalt Group is compensated from the Medicare health plan selected by the individual once they transition. Our certified Medicare advisors are not compensated more or less based on the product selected, and therefore match the beneficiary to the plan that best fits their personal healthcare needs.