{"id":814,"date":"2020-12-28T19:48:27","date_gmt":"2020-12-29T00:48:27","guid":{"rendered":"https:\/\/yourcarerep.com\/YCR-BU\/?page_id=814"},"modified":"2025-03-13T12:52:24","modified_gmt":"2025-03-13T16:52:24","slug":"new-to-medicare","status":"publish","type":"page","link":"https:\/\/yourcarerep.com\/YCR-BU\/new-to-medicare\/","title":{"rendered":"New to Medicare"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"814\" class=\"elementor elementor-814\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fda30f6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fda30f6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-de9c18e\" data-id=\"de9c18e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e5e80d elementor-widget elementor-widget-image\" data-id=\"4e5e80d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/elementor\/thumbs\/Happy-Birthday-65-Time-for-Medicare-pmjowbuaj9ai8tkftkxp8rugm2mq6wu6ax77p5erys.jpg\" title=\"Happy Birthday 65 Time for Medicare\" alt=\"Happy Birthday 65 Time for Medicare\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-72107f6 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"72107f6\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b8e01aa\" data-id=\"b8e01aa\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-42ffb71 elementor-widget elementor-widget-heading\" data-id=\"42ffb71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">New to Medicare? No Worries<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c91350 elementor-widget elementor-widget-text-editor\" data-id=\"6c91350\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>What you need to know to get started properly!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-55fdab3 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"55fdab3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-469f38b\" data-id=\"469f38b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fe4f868 elementor-widget elementor-widget-text-editor\" data-id=\"fe4f868\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Congratulations! You\u2019re turning 65 and all those years of hard work are behind you. You\u2019re looking forward to retirement and want to make sure your healthcare needs are taken care of, at the best price and service, so you can be healthy and have the money to enjoy it.<\/p><h2>A few things you need to know\u2026<\/h2><h3>Initial Enrollment Period (IEP)<\/h3><p>There are some important dates coming up. They include:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a67f5c3 elementor-widget elementor-widget-text-editor\" data-id=\"a67f5c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol style=\"font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; font-size: 16px; font-family: Roboto, sans-serif;\"><li><span style=\"font-size: 14pt;\">Your date of eligibility for Medicare (your start of IEP)<\/span><\/li><li><span style=\"font-size: 14pt;\">Your birthday (YAY!)<\/span><\/li><li><span style=\"font-size: 14pt;\">How long you have to change your mind if you made a mistake (the end of your IEP).<\/span><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3137ea7 elementor-widget elementor-widget-text-editor\" data-id=\"3137ea7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Let&#8217;s look at each one.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-fcf1f7d\" data-id=\"fcf1f7d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e5fae84 elementor-widget elementor-widget-image\" data-id=\"e5fae84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/elementor\/thumbs\/concerned_lady_new_to_medicare-pmjovwsmczweffwujd2cqdjjgfin3gyng798eqxa0i.png\" title=\"Concerned lady turning 65 about Medicare needs\" alt=\"Concerned lady turning 65 about Medicare needs\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7d9a375 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7d9a375\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8cb1c6d\" data-id=\"8cb1c6d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5207f9a elementor-hidden-phone elementor-widget elementor-widget-image\" data-id=\"5207f9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/elementor\/thumbs\/black-senior-reading-content-pmjovoc2arrfpucvciesc95aeqfi7mt642hgit0ddc.png\" title=\"black senior reading content\" alt=\"black senior reading content\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c31ec86\" data-id=\"c31ec86\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-306586f elementor-widget elementor-widget-text-editor\" data-id=\"306586f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4>Your Eligibility Date: the start of your IEP<\/h4>\n<p>Your date of eligibility is on the first day of the month, three months prior to your birthday month. So, for example, if your birthday was May 17<sup>th<\/sup>, then your eligibility date would be February 1<sup>st<\/sup>. It ends three months after your birthday month, or in this scenario, on August 31<sup>st<\/sup>. Your IEP window is a total of seven months.<\/p>\n<h4>This is the time to start making some key decisions:<\/h4>\n<p>Will I just enroll in Medicare Part A (the hospital portion of Medicare), because I am covered by health insurance provided by my spouse, or I am still working and have health insurance?<\/p>\n<p>Will I be enrolling in Original Medicare (Parts A and B)? Part B is for medical services (doctor appointments, surgeries, diagnostics, durable medical equipment, etc.). If so, which Part D prescription drug program should I buy?<\/p>\n<p>If I go with Original Medicare, which MediGap plan would be best to cover the 20% Medicare doesn\u2019t pay?<\/p>\n<p>Or, will I enroll in Medicare Part C (known as Medicare Advantage), which includes all the above and may have additional benefits, like dental, vision, hearing and others for no additional cost other than the $164.90 (for 2023) deducted from my social security check (some plans may have a premium)?<\/p>\n<p>Whichever you choose, you want to ensure you are enrolled by your birthday month to avoid any penalties.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e898829 elementor-widget elementor-widget-menu-anchor\" data-id=\"e898829\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"penalties\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4ab66b1c elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"4ab66b1c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-10fad3ee\" data-id=\"10fad3ee\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7244590c elementor-widget elementor-widget-text-editor\" data-id=\"7244590c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Subscribe to our newsletter and get the <span style=\"color: #dbae1d;\"><strong>FREE<\/strong> <\/span>Medical Information document for streamlined emergencies or hospitalization.<span style=\"color: #dbae1d;\"><strong> A MUST HAVE FOR CARETAKERS!\u00a0<\/strong><\/span>Don&#8217;t let changes take you by surprise! Stay in the know.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-90b8a26\" data-id=\"90b8a26\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4fd3a944 elementor-widget elementor-widget-text-editor\" data-id=\"4fd3a944\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<!-- Begin Mailchimp Signup Form -->\n<style type=\"text\/css\">\n\t#mc_embed_signup{background:; clear:left; font:14px Helvetica,Arial,sans-serif; width:100%;}\n\t#mc-embedded-subscribe { background-color: #dbae1d !important; }\n#mc-embedded-subscribe:hover { background-color: #cae4db !important; }\n\t#mc_embed_signup input.email { width: 200px !important; height: 32px !important; }\n<\/style>\n<link href=\"\/\/cdn-images.mailchimp.com\/embedcode\/horizontal-slim-10_7.css\" rel=\"stylesheet\" type=\"text\/css\">\n<div id=\"mc_embed_signup\">\n<form action=\"https:\/\/yourcarerep.us7.list-manage.com\/subscribe\/post?u=2a3859b7a5e60c96ee7af6e82&amp;id=fefb7937e1\" method=\"post\" id=\"mc-embedded-subscribe-form\" name=\"mc-embedded-subscribe-form\" class=\"validate\" target=\"_blank\" novalidate>\n    <div id=\"mc_embed_signup_scroll\">\n\t<input type=\"email\" value=\"\" name=\"EMAIL\" class=\"email\" id=\"mce-EMAIL\" placeholder=\"email address\" required>\n    <!-- real people should not fill this in and expect good things - do not remove this or risk form bot signups-->\n    <div style=\"position: absolute; left: -5000px;\" aria-hidden=\"true\"><input type=\"text\" name=\"b_2a3859b7a5e60c96ee7af6e82_fefb7937e1\" tabindex=\"-1\" value=\"\"><\/div>\n    <div class=\"clear\"><input type=\"submit\" value=\"Subscribe\" name=\"subscribe\" id=\"mc-embedded-subscribe\" class=\"button\"><\/div>\n    <\/div>\n<\/form>\n<\/div>\n\n<!--End mc_embed_signup-->\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-78f46e8 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"78f46e8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c932f60\" data-id=\"c932f60\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fae469f elementor-widget elementor-widget-text-editor\" data-id=\"fae469f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>What Penalties Can I Incur?<\/h2><p>Great question! It all depends on your circumstances. Let\u2019s look at a few scenarios.<\/p><h4>I still receive health insurance through an employer or a spouse\u2019s employment that is group health.<\/h4><p>If you still receive your health benefits from another source (group insurance from an employer with 20 or more employees), then you don\u2019t have to enroll. However, since Part A is premium-free (if you&#8217;ve worked 40 quarters\/10 years, paying FICA taxes), enrolling for Medicare Part A is smart. Moreover, if you enroll for both Parts A and B, Medicare will pay first, and your other coverage will pay second. However, you can wait on Parts B and D until you lose the creditable health insurance coverage and creditable prescription drug coverage due to retirement or other conditions.<\/p><p>Once your coverage ends, you must enroll in Medicare Part B within 8 months to avoid the penalty, and Part D within 63 days of losing your creditable prescription coverage.<\/p><p>If you have health insurance that <span style=\"color: #333333;\"><strong>IS NOT group health coverage or the group is fewer than 20 beneficiaries<\/strong><\/span>, then you need to enroll in Parts A and B during your IEP. As above, Medicare will pay first and your other insurance will pay second.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c80afcf\" data-id=\"c80afcf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bc0397a elementor-widget elementor-widget-image\" data-id=\"bc0397a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/elementor\/thumbs\/hispanic-couple-pmjowgj9zq1fc93ou6gqmh7832gwev4jennw3wutnc.jpg\" title=\"hispanic couple\" alt=\"hispanic couple\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-19f66a5 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"19f66a5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9b26afb\" data-id=\"9b26afb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2cb68d5 elementor-widget elementor-widget-text-editor\" data-id=\"2cb68d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>What are the penalties?<\/h2><p>The penalty for Part B is 10% for each 12-month period you go without it, and 1% for each month you go without Part D or creditable prescription drug coverage.<\/p><p>For example: In 2023, the Part B premium is $164.90 for the average Medicare beneficiary. If you enrolled in Part B 12 months after your birthday month (12 months late), you will pay an additional $16.49, for a total of $181.39. This penalty will never go away. If you are 24 months without coverage, it would be 20% or $32.98, for a total of $197.88, and so on. When the premium increases each year, the penalty will also, since it&#8217;s whatever percentage incurred multiplied by the premium amount (penalty % X premium $ = penalty + premium <span style=\"color: #333333;\"><strong>for TOTAL PREMIUM.<\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-efa505b elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"efa505b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9603683\" data-id=\"9603683\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5cf2fe4 elementor-widget elementor-widget-text-editor\" data-id=\"5cf2fe4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Which Plan Should I Choose?<\/h2><p><span style=\"font-size: 14pt;\">Okay, you now know by when you need to enroll, but what should you choose? Should I enroll in:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-34bc948 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"34bc948\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a87a267\" data-id=\"a87a267\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-07fbfb3 elementor-widget elementor-widget-text-editor\" data-id=\"07fbfb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><span style=\"color: var( --e-global-color-text ); letter-spacing: 0px;\">Original Medicare with a PDP (Prescription Drug Plan or Part D)?<\/span><\/li><li>Part C (Medicare Advantage without Part D \u2013 more for veterans who receive their prescriptions through the Veterans Administration, TriCARE For Life or a dependent with CHAMPVA)?<\/li><li>Part C (Medicare Advantage plan which includes Part D) and manage my care all under one plan?<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b2963c elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b2963c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0eed694\" data-id=\"0eed694\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d6c875b elementor-widget elementor-widget-text-editor\" data-id=\"d6c875b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>These Short Videos Below Will Clarify Your Options!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-736aa0f5 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"736aa0f5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3ab7e29b\" data-id=\"3ab7e29b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20f4ed5c elementor-widget elementor-widget-video\" data-id=\"20f4ed5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/vimeo.com\\\/178196534&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;play_on_mobile&quot;:&quot;yes&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/yourcarerep.com\\\/YCR-BU\\\/wp-content\\\/uploads\\\/2020\\\/12\\\/Understanding-Medicare-Video-Image.jpg&quot;,&quot;id&quot;:581,&quot;size&quot;:&quot;&quot;},&quot;lightbox&quot;:&quot;yes&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-lightbox\">\n\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-image-overlay\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox=\"{&quot;type&quot;:&quot;video&quot;,&quot;videoType&quot;:&quot;youtube&quot;,&quot;url&quot;:&quot;https:\\\/\\\/player.vimeo.com\\\/video\\\/178196534?start&amp;end&amp;wmode=opaque&amp;loop=0&amp;controls=1&amp;mute=0&amp;rel=0&amp;cc_load_policy=0#t=&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;modalOptions&quot;:{&quot;id&quot;:&quot;elementor-lightbox-20f4ed5c&quot;,&quot;entranceAnimation&quot;:&quot;&quot;,&quot;entranceAnimation_tablet&quot;:&quot;&quot;,&quot;entranceAnimation_mobile&quot;:&quot;&quot;,&quot;videoAspectRatio&quot;:&quot;169&quot;}}\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJ0eXBlIjoidmlkZW8iLCJ2aWRlb1R5cGUiOiJ5b3V0dWJlIiwidXJsIjoiaHR0cHM6XC9cL3BsYXllci52aW1lby5jb21cL3ZpZGVvXC8xNzgxOTY1MzQ%2Fc3RhcnQmZW5kJndtb2RlPW9wYXF1ZSZsb29wPTAmY29udHJvbHM9MSZtdXRlPTAmcmVsPTAmY2NfbG9hZF9wb2xpY3k9MCN0PSIsImF1dG9wbGF5IjoieWVzIiwibW9kYWxPcHRpb25zIjp7ImlkIjoiZWxlbWVudG9yLWxpZ2h0Ym94LTIwZjRlZDVjIiwiZW50cmFuY2VBbmltYXRpb24iOiIiLCJlbnRyYW5jZUFuaW1hdGlvbl90YWJsZXQiOiIiLCJlbnRyYW5jZUFuaW1hdGlvbl9tb2JpbGUiOiIiLCJ2aWRlb0FzcGVjdFJhdGlvIjoiMTY5In19\">\n\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2020\/12\/Understanding-Medicare-Video-Image.jpg\" class=\"attachment-full size-full wp-image-581\" alt=\"Understanding Medicare\" srcset=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2020\/12\/Understanding-Medicare-Video-Image.jpg 1000w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2020\/12\/Understanding-Medicare-Video-Image-300x180.jpg 300w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2020\/12\/Understanding-Medicare-Video-Image-768x461.jpg 768w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2020\/12\/Understanding-Medicare-Video-Image-125x75.jpg 125w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2020\/12\/Understanding-Medicare-Video-Image-700x420.jpg 700w\" sizes=\"(max-width:767px) 700px, (max-width:1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-play\" role=\"button\" aria-label=\"Play Video\" tabindex=\"0\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-play\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2ddbdf5f\" data-id=\"2ddbdf5f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7388c159 elementor-widget elementor-widget-video\" data-id=\"7388c159\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/vimeo.com\\\/180306450&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;play_on_mobile&quot;:&quot;yes&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/yourcarerep.com\\\/YCR-BU\\\/wp-content\\\/uploads\\\/2020\\\/12\\\/Finding-Your-Way-to-Medicare-Video-Image.jpg&quot;,&quot;id&quot;:579,&quot;size&quot;:&quot;&quot;},&quot;lightbox&quot;:&quot;yes&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-lightbox\">\n\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-image-overlay\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox=\"{&quot;type&quot;:&quot;video&quot;,&quot;videoType&quot;:&quot;youtube&quot;,&quot;url&quot;:&quot;https:\\\/\\\/player.vimeo.com\\\/video\\\/180306450?start&amp;end&amp;wmode=opaque&amp;loop=0&amp;controls=1&amp;mute=0&amp;rel=0&amp;cc_load_policy=0#t=&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;modalOptions&quot;:{&quot;id&quot;:&quot;elementor-lightbox-7388c159&quot;,&quot;entranceAnimation&quot;:&quot;&quot;,&quot;entranceAnimation_tablet&quot;:&quot;&quot;,&quot;entranceAnimation_mobile&quot;:&quot;&quot;,&quot;videoAspectRatio&quot;:&quot;169&quot;}}\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJ0eXBlIjoidmlkZW8iLCJ2aWRlb1R5cGUiOiJ5b3V0dWJlIiwidXJsIjoiaHR0cHM6XC9cL3BsYXllci52aW1lby5jb21cL3ZpZGVvXC8xODAzMDY0NTA%2Fc3RhcnQmZW5kJndtb2RlPW9wYXF1ZSZsb29wPTAmY29udHJvbHM9MSZtdXRlPTAmcmVsPTAmY2NfbG9hZF9wb2xpY3k9MCN0PSIsImF1dG9wbGF5IjoieWVzIiwibW9kYWxPcHRpb25zIjp7ImlkIjoiZWxlbWVudG9yLWxpZ2h0Ym94LTczODhjMTU5IiwiZW50cmFuY2VBbmltYXRpb24iOiIiLCJlbnRyYW5jZUFuaW1hdGlvbl90YWJsZXQiOiIiLCJlbnRyYW5jZUFuaW1hdGlvbl9tb2JpbGUiOiIiLCJ2aWRlb0FzcGVjdFJhdGlvIjoiMTY5In19\">\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2020\/12\/Finding-Your-Way-to-Medicare-Video-Image.jpg\" class=\"attachment-full size-full wp-image-579\" alt=\"Finding Your Way to Medicare\" srcset=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2020\/12\/Finding-Your-Way-to-Medicare-Video-Image.jpg 1000w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2020\/12\/Finding-Your-Way-to-Medicare-Video-Image-300x180.jpg 300w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2020\/12\/Finding-Your-Way-to-Medicare-Video-Image-768x461.jpg 768w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2020\/12\/Finding-Your-Way-to-Medicare-Video-Image-125x75.jpg 125w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2020\/12\/Finding-Your-Way-to-Medicare-Video-Image-700x420.jpg 700w\" sizes=\"(max-width:767px) 700px, (max-width:1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-play\" role=\"button\" aria-label=\"Play Video\" tabindex=\"0\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-play\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-269fdebf\" data-id=\"269fdebf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c874bdd elementor-widget elementor-widget-video\" data-id=\"c874bdd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=O_kiuZEpYH0&amp;feature=emb_logo&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;play_on_mobile&quot;:&quot;yes&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/yourcarerep.com\\\/YCR-BU\\\/wp-content\\\/uploads\\\/2020\\\/12\\\/Everything-You-Must-Know-About-Medicare-Advantage-Video-Image.jpg&quot;,&quot;id&quot;:577,&quot;size&quot;:&quot;&quot;},&quot;lightbox&quot;:&quot;yes&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-lightbox\">\n\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-image-overlay\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox=\"{&quot;type&quot;:&quot;video&quot;,&quot;videoType&quot;:&quot;youtube&quot;,&quot;url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/embed\\\/O_kiuZEpYH0?feature=oembed&amp;start&amp;end&amp;wmode=opaque&amp;loop=0&amp;controls=1&amp;mute=0&amp;rel=0&amp;cc_load_policy=0&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;modalOptions&quot;:{&quot;id&quot;:&quot;elementor-lightbox-c874bdd&quot;,&quot;entranceAnimation&quot;:&quot;&quot;,&quot;entranceAnimation_tablet&quot;:&quot;&quot;,&quot;entranceAnimation_mobile&quot;:&quot;&quot;,&quot;videoAspectRatio&quot;:&quot;169&quot;}}\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJ0eXBlIjoidmlkZW8iLCJ2aWRlb1R5cGUiOiJ5b3V0dWJlIiwidXJsIjoiaHR0cHM6XC9cL3d3dy55b3V0dWJlLmNvbVwvZW1iZWRcL09fa2l1WkVwWUgwP2ZlYXR1cmU9b2VtYmVkJnN0YXJ0JmVuZCZ3bW9kZT1vcGFxdWUmbG9vcD0wJmNvbnRyb2xzPTEmbXV0ZT0wJnJlbD0wJmNjX2xvYWRfcG9saWN5PTAiLCJhdXRvcGxheSI6InllcyIsIm1vZGFsT3B0aW9ucyI6eyJpZCI6ImVsZW1lbnRvci1saWdodGJveC1jODc0YmRkIiwiZW50cmFuY2VBbmltYXRpb24iOiIiLCJlbnRyYW5jZUFuaW1hdGlvbl90YWJsZXQiOiIiLCJlbnRyYW5jZUFuaW1hdGlvbl9tb2JpbGUiOiIiLCJ2aWRlb0FzcGVjdFJhdGlvIjoiMTY5In19\">\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2020\/12\/Everything-You-Must-Know-About-Medicare-Advantage-Video-Image.jpg\" class=\"attachment-full size-full wp-image-577\" alt=\"Everything You Must Know About Medicare Advantage\" srcset=\"https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2020\/12\/Everything-You-Must-Know-About-Medicare-Advantage-Video-Image.jpg 1000w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2020\/12\/Everything-You-Must-Know-About-Medicare-Advantage-Video-Image-300x180.jpg 300w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2020\/12\/Everything-You-Must-Know-About-Medicare-Advantage-Video-Image-768x461.jpg 768w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2020\/12\/Everything-You-Must-Know-About-Medicare-Advantage-Video-Image-125x75.jpg 125w, https:\/\/yourcarerep.com\/YCR-BU\/wp-content\/uploads\/2020\/12\/Everything-You-Must-Know-About-Medicare-Advantage-Video-Image-700x420.jpg 700w\" sizes=\"(max-width:767px) 700px, (max-width:1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-play\" role=\"button\" aria-label=\"Play Video\" tabindex=\"0\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-play\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8fc3b2f elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8fc3b2f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5ab2353\" data-id=\"5ab2353\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d4c92e6 elementor-widget elementor-widget-text-editor\" data-id=\"d4c92e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>What Should I Do Next?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e394bff elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e394bff\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ae9d165\" data-id=\"ae9d165\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2d5132c elementor-widget elementor-widget-text-editor\" data-id=\"2d5132c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Now that you have a better understanding of your options, fill out our questionnaire and we will provide you with a <strong>FREE, NO OBLIGATION CONSULTATION<\/strong> on your options in Florida, Georgia, Missouri, South Carolina, Tennessee or Texas, for:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65d6c88 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65d6c88\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-43ff259\" data-id=\"43ff259\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78be442 elementor-widget elementor-widget-text-editor\" data-id=\"78be442\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Medicare Advantage<\/li><li>Medicare Advantage with Part D<\/li><li>Prescription Drug Plans (if you choose Original Medicare)<\/li><li>MediGap Supplements (if necessary)<\/li><li>Whether you qualify for Extra Help, which provides an additional $5,000 for prescription costs and other savings.<\/li><li>Whether you qualify for Part-B premium assistance or a Part-B Credit, reducing or eliminating what Medicare deducts from your social security check.<\/li><li>And any other question you may have.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aee4af1 elementor-widget elementor-widget-text-editor\" data-id=\"aee4af1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you understand Medicare and Medicare Advantage well, and feel confident you can choose the best plan and options for yourself, you can self enroll by click on the SELF ENROLL button below.<\/p><p>YourCareRep.com is a fiduciary agency offering 5-star rated plans in many parts of Florida, and we represent only the top-rated insurance companies in the industry. We work for you! Not only is it our pleasure to provide you a service that <strong>ONLY has your best interest in mind<\/strong>, but as a fiduciary we are also legally obligated.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3f0a163\" data-id=\"3f0a163\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d0f7c5a elementor-widget elementor-widget-text-editor\" data-id=\"d0f7c5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Have a Question?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c31b21 elementor-widget elementor-widget-text-editor\" data-id=\"1c31b21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"wpcf7 no-js\" id=\"wpcf7-f742-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"742\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/YCR-BU\/wp-json\/wp\/v2\/pages\/814#wpcf7-f742-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"742\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.7\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f742-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<div class=\"column one\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"column one\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"E-mail\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"column one\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"Agent\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"Agent\"><option value=\"Who referred you to this site?\">Who referred you to this site?<\/option><option value=\"No one. Found by myself\">No one. Found by myself<\/option><option value=\"Facebook\">Facebook<\/option><option value=\"Eddie Velez\">Eddie Velez<\/option><option value=\"Amy Romano\">Amy Romano<\/option><option value=\"Denise Simanca\">Denise Simanca<\/option><option value=\"Heather Strasheim\">Heather Strasheim<\/option><option value=\"Jason Green\">Jason Green<\/option><option value=\"Natasja Hardy\">Natasja Hardy<\/option><option value=\"Mike Laubert\">Mike Laubert<\/option><option value=\"Shar&#039;Breona Bryant\">Shar&#039;Breona Bryant<\/option><option value=\"Terrence Works\">Terrence Works<\/option><option value=\"Wayne Parker Jr.\">Wayne Parker Jr.<\/option><\/select><\/span>\n\t<\/p>\n<\/div>\n<div class=\"column one\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"Services\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"Services\"><option value=\"Pick one (Click here)\">Pick one (Click here)<\/option><option value=\"Schedule Appointment\">Schedule Appointment<\/option><option value=\"Medicare Advantage\">Medicare Advantage<\/option><option value=\"Medicare Part D (Drugs)\">Medicare Part D (Drugs)<\/option><option value=\"Extra Help LIS\">Extra Help LIS<\/option><option value=\"Help with Social Security\">Help with Social Security<\/option><option value=\"Veteran needing guidance\">Veteran needing guidance<\/option><option value=\"Hospital Indemnity Ins.\">Hospital Indemnity Ins.<\/option><option value=\"Final Expense Ins.\">Final Expense Ins.<\/option><\/select><\/span>\n\t<\/p>\n<\/div>\n<div class=\"column one\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"2\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"How can we help you?\" name=\"your-message\"><\/textarea><\/span>\n\t<\/p>\n<\/div>\n<div class=\"column one\">\n\t<p>By submitting this form you will be contacted by a licensed insurance agent from YourCareRep. We do not share your info.\n\t<\/p>\n<\/div>\n<div class=\"column one\" style=\"text-align: center;\">\n\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Send Message\" \/>\n\t<\/p>\n<\/div>\n<div class=\"column one\" style=\"text-align: center;\">\n\t<p><!-- Mailchimp for WordPress v4.15.0 - https:\/\/www.mc4wp.com\/ --><input type=\"hidden\" name=\"_mc4wp_subscribe_contact-form-7\" value=\"0\" \/><span class=\"mc4wp-checkbox mc4wp-checkbox-contact-form-7 \"><label><input type=\"checkbox\" name=\"_mc4wp_subscribe_contact-form-7\" value=\"1\" checked=\"checked\"><span>Give me your newsletter!<\/span><\/label><\/span><!-- \/ Mailchimp for WordPress -->\n\t<\/p>\n<\/div>\n<div class=\"column one\" style=\"text-align: center;\">\n\t<p><span id=\"wpcf7-6af0a05d07353-wrapper\" class=\"wpcf7-form-control-wrap cf7apps-honeypot-wrap honeypot-948-wrap\" ><label for=\"wpcf7-6af0a05d07353-field\" class=\"hp-message\">effective dates<\/label><input id=\"wpcf7-6af0a05d07353-field\"  placeholder=\"MBI number\"  class=\"wpcf7-form-control wpcf7-text\" type=\"text\" name=\"honeypot-948\" value=\"\" autocomplete=\"off\" tabindex=\"1000\" data-cf7apps-tabindex=\"1000\" \/><\/span>\n\t<\/p>\n<\/div><input type=\"hidden\" id=\"ct_checkjs_cf7_eae27d77ca20db309e056e3d2dcd7d69\" name=\"ct_checkjs_cf7\" value=\"0\" \/><script>setTimeout(function(){var ct_input_name = \"ct_checkjs_cf7_eae27d77ca20db309e056e3d2dcd7d69\";if (document.getElementById(ct_input_name) !== null) {var ct_input_value = document.getElementById(ct_input_name).value;document.getElementById(ct_input_name).value = document.getElementById(ct_input_name).value.replace(ct_input_value, 'c9668077a3e74341251b7db2cc2d52d4799fe175befd9c41c78ae705425675e8');}}, 1000);<\/script><input\n                    class=\"apbct_special_field apbct_email_id__wp_contact_form_7\"\n                    name=\"apbct__email_id__wp_contact_form_7\"\n                    aria-label=\"apbct__label_id__wp_contact_form_7\"\n                    type=\"text\" size=\"30\" maxlength=\"200\" autocomplete=\"off\"\n                    value=\"\"\n                \/><input type='hidden' class='wpcf7-pum' value='{\"closepopup\":false,\"closedelay\":0,\"openpopup\":false,\"openpopup_id\":0}' \/><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c8ab593 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c8ab593\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-30cd46b\" data-id=\"30cd46b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2c09e3a elementor-widget elementor-widget-text-editor\" data-id=\"2c09e3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 style=\"text-align: center; line-height: 100%;\"><span style=\"font-size: 18pt;\">So, fill out our questionnaire or self enroll, and welcome to the YourCareRep.com family!<\/span><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7f3f268 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f3f268\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-3080c77\" data-id=\"3080c77\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e5da75 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6e5da75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/yourcarerep.com\/YCR-BU\/quote\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">TAKE OUR QUESTIONNAIRE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-a624bce\" data-id=\"a624bce\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c621bd8 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"c621bd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/yourcarerep.com\/YCR-BU\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACT YOUR CARE REP<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-f1d9097\" data-id=\"f1d9097\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1a614e8 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"1a614e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/yourcarerep.com\/YCR-BU\/shop-or-enroll-in-cignas-and-humanas-5-star-plans-for-florida\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">SELF ENROLL IN A PLAN<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>New to Medicare? No Worries What you need to know to get started properly! Congratulations! You\u2019re turning 65 and all those years of hard work are<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":90,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-814","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/pages\/814","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/comments?post=814"}],"version-history":[{"count":1,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/pages\/814\/revisions"}],"predecessor-version":[{"id":8520,"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/pages\/814\/revisions\/8520"}],"wp:attachment":[{"href":"https:\/\/yourcarerep.com\/YCR-BU\/wp-json\/wp\/v2\/media?parent=814"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}