Hesed Insurance Solutions is a privately owned, non-government insurance agency that provides Medicare Supplement, Prescription, and Medicare Advantage plans. The agency offers guidance during Medicare Open Enrollment periods, ensuring clients understand their options and can enroll without pressure.
Services include guaranteed acceptance during Open Enrollment, assistance with Part D Prescription Plans, and Medicare Advantage Plans (Part C). The agency emphasizes confidentiality, easy-to-understand information, and personalized assistance, serving the United States of America.
Confidentiality of personal information
Easy-to-understand information on Medicare enrollment
One-on-one assistance without pressure or obligation
Services
Medicare Supplement Insurance
Insurance plans that pay secondary to Medicare Part A Hospital and Medicare Part B Medical, helping fill gaps in coverage.
Guaranteed acceptance during Medicare Open EnrollmentFills gaps in Medicare A & B coverageMost comprehensive Plan F available
Part D Prescription Plans
Standalone Rx plans that can be changed each year during the Annual Enrollment Period, covering prescription drug costs.
Annual Enrollment Period (Oct 15 - Dec 7)Voluntary but may incur penalties for late enrollmentConsider both plan cost and medication costs
Medicare Advantage Plans
Also known as Medicare Part C, these plans replace Original Medicare and may include additional benefits like vision, hearing, dental, and prescription drug coverage.
May include vision, hearing, dental, and prescription drug coverageRules of service and out-of-pocket costs vary by planConsult with Medicare, physicians, and an experienced agent before enrollment
Credentials & Certifications
Licensed to offer both life and health insurance products
Since Multiple states including TX, CA, FL
Frequently Asked Questions
When can I enroll in a Medicare Supplement? +
Open Enrollment Period (OEP) is the 6-month period beginning on the 1st day of the month you turn age 65, during which enrollment is guaranteed without pre-existing condition exclusions. Enrollment is also possible after age 65 if delayed enrollment in Medicare Part B occurs due to employer-sponsored health coverage, with the OEP beginning when Medicare Part B becomes effective.
What is the Late Enrollment Penalty for Medicare Part D? +
The Late Enrollment Penalty is calculated by multiplying 1% of the national base beneficiary premium ($33.06 in 2021) by the number of full, uncovered months a person was eligible but did not join a Medicare Prescription Drug Plan and went without other creditable prescription drug coverage. The final amount is rounded to the nearest $.10 and added to the monthly premium.
What is the Medicare Advantage Open Enrollment Period? +
The Medicare Advantage Open Enrollment Period (OEP) runs from January 1 – March 31 each year, allowing beneficiaries to switch Medicare Advantage plans or drop their Medicare Advantage plan and switch to Original Medicare, and also to join a Medicare Prescription Drug Plan (PDP) to add Part D drug coverage.
