Medicare & Health Insurance FAQs Get answers to common Medicare questions.

FAQ

When is open enrollment for Medicare supplements?

Medicare Supplement (Medigap) plans do not have a strict annual open enrollment period like other health plans. The best time to enroll is during your Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this time, you can enroll without medical underwriting.

Does it cost extra to have a local agent help me choose my health insurance plan?

No, it does not cost extra to work with a local insurance agent. Agents are compensated by insurance carriers, so you receive expert guidance and personalized support at no additional cost.

What types of insurance does Creamer Insurance Agency offer?

Creamer Insurance Agency offers a variety of insurance solutions, including Medicare Advantage plans, Medicare Supplement (Medigap) plans, prescription drug plans (Part D), and individual health insurance coverage.

What is the difference between Medicare Advantage and Medicare Supplement plans?

Medicare Advantage plans are all-in-one alternatives to Original Medicare that often include additional benefits like dental and vision. Medicare Supplement plans help cover out-of-pocket costs such as copayments, coinsurance, and deductibles that Original Medicare does not fully pay.

When can I enroll in a Medicare Advantage plan?

You can enroll in a Medicare Advantage plan during your Initial Enrollment Period when you first become eligible for Medicare, or during the Annual Enrollment Period from October 15 to December 7 each year.

FAQ

Can I change my Medicare plan after enrolling?

Yes, you can make changes to your Medicare Advantage or Part D prescription drug plan during the Annual Enrollment Period (October 15 – December 7) or during the Medicare Advantage Open Enrollment Period from January 1 to March 31.

Do you offer assistance with prescription drug coverage (Part D)?

Yes, Creamer Insurance Agency helps clients compare and enroll in Medicare Part D prescription drug plans to ensure their medications are covered at the lowest possible cost.

Why should I work with a local insurance agent instead of enrolling online?

A local agent provides personalized service, helps you compare multiple plan options, explains benefits clearly, and offers ongoing support after enrollment—something you won’t get from a generic online signup.

What if I have pre-existing conditions?

Coverage options depend on the type of plan and when you enroll. During certain enrollment periods, such as your Medigap Open Enrollment Period, you cannot be denied coverage due to pre-existing conditions.

How do I get started with Creamer Insurance Agency?

Getting started is easy—simply contact Creamer Insurance Agency to schedule a free consultation. An experienced agent will review your needs, explain your options, and help you find the right coverage for your situation.

Serving Cedar City, Beaver, Parowan, Enoch, and the Surrounding Areas