FILCO can offer your clients Medicare Supplement, Medicare Advantage and Part D Prescription plans. Most of the plans are commissionable. Please reach out to us if you are interested in becoming “certified” to sell direct or would like us to help enroll your clients on the right plan and earn a referral fee. Either way your clients are getting the expertise they need to guide them easily through a process that can otherwise be overwhelming.
We are currently appointed with the following carriers:
We offer a comprehensive range of healthcare plans for your senior clients preparing for retirement.
I understand there is a monthly premium associated for Part B (outpatient) coverage?
Do I have to sign up for Part B if I am covered by a group plan currently?
It depends upon the size of your group.
The Medicare Part B premium in 2017 depends upon your reported income in 2015 and how you filed your taxes (individual or joint return). For example:
No, but when you choose to enroll, you will have to pay a penalty of 1% of the base premium (currently $34.10) for 2017 that you don’t enroll, unless you had credible coverage during that time. Also, you may only enroll during the Annual Election Period for January 1st.
A Medicare Supplement plan does just what it says: supplement Medicare A and B coverage. Supplements normally do not include drug coverage. This is also called a Medigap plan. It allows you to see any provider who accepts Medicare.
A Medicare Advantage plan has lower premiums and normally includes drug coverage. However, you are limited to that insurance carrier’s provider network and will have co-pays for services, much like a group HMO plan.
Yes, most of these plans are commissionable. Please contact us if you are interested in either becoming certified to sell or if you would like more information on our referral incentive program.