When can I enroll in Medicare?

Your Initial Enrollment Period (IEP) is a 7-month window: it starts 3 months before the month you turn 65, includes your birthday month, and end 3 months after.
Other key enrollment periods include:
Annual Enrollment Period (AEP): October 15- December 7 each year. You can join, switch, or drop Medicare Advantage or Part D plans. Changes take effect January 1.
General Enrollment Period (GEP): January 1-March 31 if you missed your IEP. Coverage starts the month after you enroll.
Special Enrollment Period (SEP): Triggered by specific life events like moving, losing employer coverage, or qualifying for Medicaid.

What areas do you serve?

I'm based in Weatherford, Texas, and currently licensed to assist clients throughout Texas. I offer consultations by phone, Zoom, or in person-at your home or a local coffee shop, depending on your preference.

What is a Scope of Appointment (SOA) form and why do I need to sign one?

A Scope of Appointment (SOA) form is a required document that outlines what types of Medicare plans you want to discuss with me. It's mandated by the Centers for Medicare & Medicaid Services (CMS) to protect you from unsolicited marketing. You'll complete this form before we go over any plan options-it's not a commitment to enroll, just an agreement on what topics we'll cover.
*You can find the Scope of Appointment form under the "Steps" on my homepage. Simply download it, complete it, and email it to me or bring it with you to our appointment. Or if you don't want to worry with it, I will have a hardcopy for you to fill out when we meet.

How are Medicare agents paid?

Medicare agents are compensated by the insurance companies when they enroll clients into plans. This commission is built into the plan's premium-there is no extra cost to you. As part of my commitment to my community, I donate 10% of all commissions to Meals on Wheels to help support older adults with nutrition, independence, and dignity.

Is your assistance really at no cost to me?

Yes! My services are at no cost to you. I'm here to provide guidance, answer your questions, and help you navigate Medicare without any charge.

Is there a catch?

No catch. My goal is to help you understand your Medicare options and make informed decisions. I provide honest, pressure-free guidance tailored to your needs.

Can I change my Medicare plan later?

Yes, in some cases. With all things Medicare, there are some rules. Medicare gives you certain times during the year when you can change plans depending on your situation. You may be able to switch during the Annual Enrollment Period (AEP) from October 15- December 7. If you are already in an Advantage Plan, Medicare Advantage Open Enrollment is January 1- March 31. Additionally, if you experience certain life events, you may qualify for a Special Enrollment Period (SEP) which allows you to make changes outside of AEP. I'll help you understand if you qualify for a change and make sure your timing is right so there are no gaps in your coverage.

What if I'm still working at 65?

If you have credible employer coverage, you may be able to delay enrolling in Medicare Part B without penalty. (*credible coverage depends on the number of employees your employer has) It's important to know your enrollment requirements in order to avoid future penalty charges or paying for more coverage than you need. Once your employment or coverage ends, you'll have an 8 month Special Enrollment Period to sign up for Part B. Medicare Part A (the hospital insurance part) is usually no-cost and many choose to enroll at 65, even if they are still working. Your employer coverage remains primary and Medicare is secondary. There are some other considerations regarding Health Savings Accounts (HSA) and Part D coverage we can discuss, if they apply to you.

What is the difference between Original Medicare and Medicare Advantage?

Original Medicare includes Part A (hospital insurance) and Part B (medical insurance). You can add Part D (prescription drug coverage) and a Medigap (aka Supplement) policy for additional coverage and cost.
Medicare Advantage (Part C) is an all-in-one alternative that includes Parts A and B, often Part D, and may offer extra benefits.

Do I need a separate plan for prescription drugs?

If you choose Original Medicare, you'll need to add a standalone Part D prescription drug plan to get coverage for your medications. These plans vary by premium, drug formulary, and pharmacy network.
If you enroll in a Medicare Advantage plan, many include Part D coverage, but not all, so it's important to review the plan details. I can help you compare your options to make sure your medications are covered affordably.

Why should I work with you instead of calling a number I saw on TV?

When you call a number from an ad, you're often speaking with a call center agent who may only represent one company's plans.
By working with me, you get personalized, one-on-one guidance from someone who understands both healthcare and Medicare. I'm a licensed agent and experienced RN, committed to helping you choose what's right for you-not what's in my sales script. There's no pressure, and my help is always at no cost to you.

Contact:
Kristin Benson BSN, RN, BSEd, HIHC-CSp, CNC
9463 Hwy 377 Unit 4023
Benbrook, TX 76126
817-330-4255
kbenson@rnadvantageinsure.com
TX License #: 3327855 NPN: 21573535
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