Mick Insurance Agency

Your Local Health & Medicare Agents Since 1980

Medicare Advantage Plans

Klamath Falls Medicare Advantage plans from Atrio and Moda are represented by Mick Insurance Agency.  We believe this is a good option for many people living in Klamath County.  This is also a good option for those living in Jackson, Josephine, Douglas, Marion and Polk County. Medicare Advantage Plans (also known as MA plans or Medicare Health Plans) are plans run by private companies.  These plans cover all Medicare Part A and Part B benefits and they offer a maximum out-of-pocket annual limit.  Many MA plans also cover Part D prescription drug benefits, and/or offer extra benefits that Medicare does not cover. Atrio and Moda Advantage plans are PPO plans so you can receive benefits from any provider nationwide who accepts Medicare. Initial Enrollment Period is three months before your birthday, month of your birthday, and three months after your birthday. Annual Enrollment Period is Oct. 15 – Dec. 7. Special Enrollment Period is within 63 days after relocating or loss of credible health coverage. During this time, you will have the opportunity to enroll in a Medigap or advantage plan with no health questions asked.

MEDICARE SUPPLEMENT INSURANCE

Klamath Falls Medicare Supplement (Medigap) insurance companies provide benefits to cover costs approved by Medicare but not paid by Medicare Part A and Part B.

The Mick Insurance Agency has been serving clients in Klamath and Lake County since 1980. We represent multiple companies and each year we become certified for the plans that we believe are best for our area.

Medicare Supplements are standardized and are identified by letters such as F. All plan Fs are the same regardless of which company you buy it from. The only difference between companies is the premium they charge.

MORE COSTS COVERED

Medicare Supplement (Medigap) plans cover costs approved by Medicare but not paid by Medicare Plan A and Plan B.

Medicare Supplements or Medigap plans are standardized and are identified by letters Plan A through Plan N. All plans with same letter are the same regardless of which company you buy them from. The only difference is the premium they charge for the plan. Mick Insurance Agency represents multiple companies that are available in our area.

GUARANTEED ENROLLMENT PERIODS

You can sign up for a Medigap plan with no health questions asked during your Open Enrollment period – the six-month period that starts the first day of the month you are 65 or older and enrolled in Medicare Part B. We encourage you to contact us at least 30 days prior to your 65th birthday and/or enrolling in Medicare Part B.

Special Enrollment Period is the 63-day period after relocating or losing large group coverage, when the insured can change or sign up with no health questions asked.

PRESCRIPTION PLANS

Prescription Plans need to be purchased if you have a Medicare Supplement Plan as RX benefits are not built into the plans.

We help our clients determine the best RX plan for them each year during the annual enrollment period of Oct. 15 – Dec. 7.

OREGON BIRTHDAY RULE

This rule allows Medicare recipients to have a yearly opportunity to compare Medicare supplement prices and switch companies. During your birthday month there are no health questions asked.  This rule is a response to frequent consumer complaints, or being locked into plans with large annual rate increases. This is a response to frequent consumer complaints of being locked into plans with large annual rate increases.

We'd Love to Hear From You!
Feel free to give us a call for a one on one informational meeting about your health insurance and Medicare options.
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