07 · Questions
Medicare, health, life, home and car, answered
Candid answers on what an independent agent costs, when to sign up for Medicare and how to judge which plan fits. Eight questions in three categories, each one answered plainly in its first sentence.
Categories
Medicare
01 Does it cost anything to use an independent agent?
No. Oakmere is paid a commission by the insurance company you choose, so the review, the quote and the yearly check-in cost you nothing extra. Nobody is pushed towards a plan because it pays more, and the first review comes with no obligation to buy anything.
02 When can I sign up for Medicare?
Your Initial Enrollment Period runs for seven months: the three months before the month you turn 65, that month, and the three months after. Oakmere recommends starting the conversation about three months ahead, so there is time to check your doctors and prescriptions against each plan.
03 Can I change my Medicare plan later?
Yes, during the Annual Enrollment Period, 15 October – 7 December, and in some other situations. Oakmere reviews your plan with you every autumn, checks that your doctors and drugs are still covered, and says plainly whether a change is worth making.
04 What is the difference between Medicare Advantage and Medigap?
Medicare Advantage replaces Original Medicare with a private plan, often with a network and extra benefits. A Medigap plan sits on top of Original Medicare and pays some of the costs it leaves. Oakmere explains which fits your doctors and budget, and shows both side by side.
Still not sure
If the four answers above have not settled which Medicare plan fits you, the contact form is quicker than reading further. Name your doctors and prescriptions and Oakmere will say which plans fit them.
Health and life
05 I am under 65 and self-employed. Can you help with health insurance?
Yes. Oakmere compares individual and family plans, including Marketplace plans, and checks whether you qualify for a premium tax credit. It helps you enrol during Open Enrollment, 1 November – 15 January, or after a life event such as a new job, a move or a new baby.
06 How much life insurance do I need?
It depends on your debts, income and family. Oakmere does a free needs review and shows term and whole life options side by side, sized to what your family would actually need, and checks your beneficiaries again whenever life changes.
Home and car
07 Can I bundle home and car insurance?
Yes. Bundling with one insurer often lowers the price of both and puts everything on one renewal date. Oakmere quotes home and car together and separately, so you can see the difference before choosing, along with any discounts for safe driving or paying in full.
08 What should I do after an accident or damage to my home?
Make sure everyone is safe, take photos, then call Oakmere on (000) 000-0000. An agent helps you open the claim and stays with you until it is settled, from the first call to the final cheque.
08 · Contact
Ask the ninth question
Anything these eight answers leave open, from what to bring to an appointment to a renewal letter, can go straight into the contact form, and it is answered during office hours.