The 2023 Medicare Annual Enrollment Period Is Here!
Joe Covell and Do It For Me Insurance (doitformemedicare.com and doitformeinsurance.com) handles a variety of Medicare Supplements, Advantage Plans, and Part D Prescription Plans. We work with nearly every carrier in Pennsylvania and many other states! There is never a fee for our service. Our direct line is 267-374-0975.
Medicare Compliance requires brokers and agents to include this disclaimer: “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.” Even if we do not represent every single plan, we will gladly show you and compare all carriers.
Our Medicare Basics 2023 Edition presentation is now on YouTube with updated 2023 information. No matter how long you have been on Medicare it can serve as a refresher!
Thank you for taking the time to read this e-mail. You are receiving this e-mail because you are or were our current client or you previously reached out to an insurance carrier who referred you, filled out a form online or at one of our community events requesting information on Medicare Plans. Since we are trusted partners of nearly every carrier in PA, NJ, MD, DE, and many other states, we receive referrals from carriers to reach out and offer assistance! You may unsubscribe at any time. Typically we only send out our yearly newsletter (this email) and then a couple reminders as the December 7th deadline approaches!
If you are interested in a no-fee review of your current coverages (whether or not you currently work with us), please respond to this e-mail with the best way to contact you or simply give us a call or text anytime: 267-374-0975
Here are some helpful quoting tools that will show you some of the carriers we work with. Please note that this is not a complete list of carriers we represent.
Our office is located at 616 Easton Rd. Willow Grove, PA 19090. We do offer in-person appointments, as well as phone consultations, and zoom/video conferencing.
Most of our current and past clients receive a card from us each October as a reminder that it’s time to review options for the upcoming year. If you are not currently working with us and would like to explore options, or know someone else who needs help, we are always accepting new clients!
If you changed your address or are currently not receiving our annual card and would like to, please reach out to us to be added to our mailing list.
We try our best to represent every relevant insurance carrier in the markets we serve, but there are some plans and carriers that independent brokers are not permitted to sell. Many of these plans are institution-specific, however we are happy to help you compare any and all options possible.
If you receive a solicitation with promises that seem “too good to be true” and you want to check it out, or you simply want to discuss and compare your current coverage and other options, we are always happy to do so.
Your access to products that support your needs, satisfaction and success with your coverage is all that matters to us, whether or not you are our current client! The same goes for family and friends you send our way!
We handle all forms of insurance. Please feel free to ask us for a quote on any coverages for which you want a second opinion! Below is the 3-fold flier we have been handing out at local community events!
We are going to end by including the two letters we sent out this month:
Here is the letter we sent out to our clients with a
Medicare Advantage Plan:
October 1, 2022
It’s that time of the year again, The Medicare Annual Enrollment Period has arrived. As always, we hope
you and your family are well and we value your continued business and referrals more than we can
possibly express! As Independent Brokers, we work with nearly every plan in the state and are paid
every month that you are our client, so assuring your happiness is our job!
We understand you are bombarded with advertisements from every angle, and it feels never-ending –
some may seem too good to be true. REMEMBER Medicare Advantage plans are all about THE
NETWORK OF PROVIDERS! Please know that we are available to help you compare every option, as we
are independent brokers not tied to an individual carrier, answer your questions, and help fix issues.
When we help you it’s us – not a “television celebrity lead call center” reading from a script.
The Medicare Annual Enrollment Period begins on October 15 th and ends on December 7 th . Now that it is
after October 1 st , we can freely look at ALL your 2023 options. During this time, you can compare the
various Medicare Advantage Plans in your area, or you may also “disenroll” and return to “Original
Medicare.” Be advised Medicare Supplement prices are based on your health and are not guaranteed
unless you have a qualifying circumstance. That said, we can help you shop Supplements if you want.
Medicare Advantage Plans are better each year, offering many “ancillary” benefits such as dental, vision
and hearing; plus “extras” like over-the-counter-allowances, gym memberships, and other “actually
pretty great” health-maintenance programs. Some options offer a $0 monthly premium or include a
monthly dollar amount towards your Part B premium, a benefit which is expanding for 2023.
Robyn and I are here to discuss in detail and help you compare ALL options for: Medicare Advantage
Plans, Medicare Supplements, and Medicare Part D Prescription Plans – all to find the best fit for your
unique needs and yearly budget. If you would like to send us an updated list of your current
prescriptions and providers to my email [email protected], we will be happy to see if the
Advantage plan you have now is still the best fit. Please feel free to call, email or text anytime!
Our website offers constantly-updated resources: www.DoItForMeMedicare.com which is part of our
main site: www.DoItForMeInsurance.com, including a blog with helpful information.
In addition to Health and Medicare, our team can be a resource for all your insurance needs – our
services are FEE-FREE. You may shop our website or ask us for quotes on any insurance products you
need or for which you seek a second opinion. Please feel free to pass our contact information along to
friends or relatives that may need assistance.
Joseph L. Covell
Independent Insurance Broker
Custom Benefit Plans, Inc.
Do It For Me Insurance, Inc.
Here is the letter we sent out to our clients with a Medicare Supplement and/or Stand-alone Part D Prescription Plan:
It’s that time of the year again, The Medicare Annual Enrollment Period has arrived. As always,
we hope you and your family are well and we value your continued business and referrals more
than we can possibly express! As Independent Brokers, we work with nearly every plan in the
state and are paid every month that you are our client, so assuring your continued happiness is
always top priority!
We understand that you are being bombarded with advertisements from every angle and it
feels never-ending. We know you have many options out there for help, and many of the
advertisements seem too good to be true. Please know that we are always available to help you
compare your options and answer your questions, no matter what time of year!
The Medicare Annual Enrollment Period begins on October 15 th and ends on December 7 th .
During this time, you can change your prescription drug coverage or switch to a Medicare
Advantage Plan. After October 1 st , we can discuss details regarding your options.
Your current Medicare Supplement does not need to be renewed; it will auto-renew unless you
stop paying your premium, decide to leave, or the insurance carrier discontinues. Medicare
Supplements allow you the freedom to go anywhere Medicare is accepted and predict your
yearly costs as your monthly premium covers nearly everything medical-related.
You can switch Medicare Supplement carriers at any time – however – the process will be
subject to health underwriting, in which case the price can increase, or the carrier can choose
to deny coverage. That said, we are happy to quote alternatives.
Medicare Advantage Plans continue to get better each year, offering many great ancillary
benefits such as dental, vision, over-the-counter allowances, gym memberships, and many have
a $0.00 monthly premium! Some options will even offer a monthly amount towards your Part B
premium (an expanding benefit for 2023), but don’t be swayed by tv, radio and mail gimmicks,
always elect coverage that is right for your personal situation!
With Medicare Advantage Plans come networks that limit provider choice, copays for most
services, and out-of-pocket-maximums up to the $8,300 2023 limit (vary by plan). Medicare
Advantage plans may be purchased and changed every year, and you can disenroll from them
every year, but you are not always guaranteed a Medicare Supplement in the future.
Robyn and I are here to help you compare ALL options for: Medicare Supplements, Medicare
Part D Prescription Plans, and Medicare Part C Advantage Plans to find the best fit for your
needs and budget. If you would like to send an updated list of your prescriptions to my email
[email protected], I will be happy to see if the plan(s) you have
now are still the best fit. Please feel free to call, email or text me anytime!
Our website has many helpful resources and information: www.DoItForMeMedicare.com which
is part of our main site: www.DoItForMeInsurance.com. We also have a blog with helpful
information found on our website!
In addition to Health and Medicare our team can be a resource for all your insurance needs,
with all our services being FEE FREE. Feel free to shop our website or ask us for quotes on any
and all insurance products you may be in need of or are simply seeking a second opinion!
Please pass my contact information along to friends or relatives that may need assistance.
Joseph L. Covell
Independent Insurance Broker
Custom Benefit Plans, Inc.
Do It For Me Insurance, Inc.