You can file a claim by contacting us directly or using your carrier website.

Your insurance premium may be impacted by your age, health, driving record, credit score, and chosen coverage. Contact us for details on your requested insurance.

Medicare's Annual Enrollment Period begins October 15th through December 7th.

Most commonly used by people age 65 or older, some younger people are eligible for Medicare, too. Those include people with disabilities, permanent kidney failure and amyotrophic lateral sclerosis (Lou Gehrig's disease). Medicare helps with the cost of health care, but it does not cover all medical expenses or the cost of most long-term care.

If your Medicare card was lost, stolen, or destroyed, you can request a replacement online at Medicare.gov. You can print an official copy of your card from your online Medicare account or call 1-800-MEDICARE (1-800-633-4227 TTY 1-877-486-2048) to order a replacement card to be sent in the mail.

Life insurance can help cover:

• Co-signed debt including student loans
• Mortgages
• College expenses for the kids
• Living expenses for your family
• Stay-at-home labor expenses (cooking, cleaning, etc.)
• Burial expenses
• Loans from family members
• Estate taxes that your heirs must pay for other assets

Creditable coverage is prescription drug coverage (for example, from an employer, union, TRICARE, Indian Health Service, or the Department of Veterans Affairs) that is expected to pay, on average, at least as much as Medicare's standard prescription drug coverage. Consumers with creditable coverage when they become eligible for Medicare can generally keep that coverage without paying a penalty if they decide to enroll in Medicare prescription drug coverage later.

The organization providing the prescription drug coverage must inform the consumer annually (generally in a letter or organization newsletter) if the prescription drug coverage is creditable coverage. The consumer will need this information if they later enroll in a Medicare Plan that provides Part D prescription drug coverage.

If a consumer does not enroll in Part D coverage when they are first eligible, or if they have a break in Part D coverage of 63 consecutive days or longer, they may be subject to a Part D late enrollment penalty (LEP). The Part D LEP is required by law and will be calculated by CMS and added to the consumer's monthly Part D premium for as long as they are enrolled Part D coverage, even if the consumer enrolls in a $0 premium plan. To help ensure a positive consumer experience, it is important that consumers understand what the LEP is and that it will apply regardless of which carrier or plan the consumer chooses.

Note: The LEP may be reduced or eliminated if the consumer qualifies for the Low-Income Subsidy Program (i.e., Extra Help).

The Part B late enrollment penalty is 10% of the monthly Part B premium added on to your premium every month for the remainder of your life. Each year you do not have Part B in place when you are supposed to is another 10% added. These are lifetime penalties.