02 · Services

Medicare, health, life, home and car insurance

The premium tells only part of the story; what a plan pays after a hailstorm, a hospital stay or a claim on the road matters far more. Insurance has no fixed price list, so every line starts with a free review or quote, and nothing on this page completes an application or holds an appointment.

A flooded residential street after heavy rain. — A flooded street after heavy rain. Many home policies leave out flood and sewer back-up, so every home review checks for those gaps before you choose.

All six services

S-01

Medicare

No-cost Medicare review

Turning 65 or retiring? Oakmere explains Original Medicare, Medicare Advantage (Part C), Medicare Supplement (Medigap) and Part D drug plans, checks your doctors and prescriptions against each plan, and reviews your cover every year during the Annual Enrollment Period, 15 October – 7 December.

Best for anyone turning 65, retiring or leaving an employer plan.

Usual timing start about three months before the month you turn 65.

Included

Your doctors and prescriptions checked against each plan
A plan review every autumn during the Annual Enrollment Period

Not included every plan available in your area; Medicare.gov lists them all, and Oakmere says which ones it can quote.

S-02

Health insurance

Free plan comparison

Individual and family plans, including plans on the Health Insurance Marketplace, plus small-business group health, dental and vision. Oakmere checks whether you qualify for a premium tax credit, and 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.

Best for families, the self-employed and small businesses under 65.

Usual timing Open Enrollment, 1 November – 15 January, or after a life event.

Included

Individual, family and Marketplace plans compared side by side
A check on whether you qualify for a premium tax credit
Small-business group health, dental and vision
Help to enrol after a new job, a move or a new baby

Not included Medicare plans, which have their own review above.

S-03

Life insurance

Free needs review

Term life, whole life, final expense and mortgage protection cover, sized to what your family would actually need. The free needs review looks at your debts, income and family, and shows term and whole life options side by side. It includes a beneficiary check whenever life changes, such as a marriage, a new baby or a new home.

Best for a new parent, a new homeowner or anyone with a family who relies on them.

Usual timing a free needs review first, then cover sized to it.

Included

Term and whole life options shown side by side
A beneficiary check whenever life changes

Not included health or Medicare cover, which have their own reviews.

A parent and child under one umbrella in the rain, above a city skyline. — A parent and child under one umbrella. Each of the three lines of cover above is about the people it protects: Medicare and health plans for care, and life cover for the family who would rely on it.

S-04

Home insurance

Free quote

Homeowners, condo, renters and landlord policies. Oakmere reviews your rebuild cost, your deductibles and gaps such as flood or sewer back-up, so the cover matches the home. When something goes wrong, call Oakmere first: Tom Becker stands with you through the claim, from the first call until it is settled.

Best for homeowners, condo owners, renters and landlords.

Usual timing a free quote, then a review before each renewal.

Included

A review of rebuild cost and deductibles
A check for gaps such as flood or sewer back-up
Support through a claim, from the first call

Not included car cover, which is quoted below or as a bundle.

S-05

Car insurance

Free quote

Car, multi-car and teen-driver cover, with discounts for bundling home and car, for safe driving and for paying in full. Several insurers are quoted on one page, so cost, cover and deductibles can be compared before you choose. After an accident, make sure everyone is safe, take photos, then call Oakmere.

Best for single drivers, families with several cars and parents adding a teen driver.

Usual timing a free quote, then a review before each renewal.

Included

Car, multi-car and teen-driver cover
Discounts for safe driving and paying in full
Help opening a claim after an accident

Not included home cover, which is quoted above or as a bundle.

S-06

Home and car bundle

Free quote

When your home and car are with two different companies, two renewals arrive on two dates and nobody looks at them together. Oakmere quotes home and car together with one insurer, which often lowers the price of both and puts everything on one renewal date, then reviews the pair before each renewal.

Best for households with a home and a car on two different policies.

Usual timing a free quote, then one review before the shared renewal.

Included

Home and car quoted together with one insurer
One renewal date for both policies
A review of both policies before each renewal, with one agent to call

Not included life and health cover, which have their own reviews.

Insurance year

The dates in an insurance year the services are built around

Before 65Initial Enrollment opens three months before the month you turn 65; start the conversation then.
Month 65The month you turn 65 and the three after it complete the seven-month Initial Enrollment Period.
15 OctMedicare Annual Enrollment opens and runs to 7 December; every Medicare client's plan is reviewed.
1 NovOpen Enrollment for health plans opens and runs to 15 January, with tax credits checked.
RenewalA review before each home, car and life renewal, with the same agent every year.
Any timeA new job, a move, a new baby or a claim: call Oakmere first, and an agent walks you through it.

During the Annual Enrollment Period the office stays open until 7 pm on Tuesdays and Thursdays. A busy season does not move a renewal date, but a life event can open a chance to change cover.

Reading the cycle

Three of the six services follow these dates and three do not. Medicare runs on the enrollment rows, health insurance on Open Enrollment and life events, and life insurance on life changes. Home, car and the home and car bundle run to their own renewal dates, each reviewed before it arrives.

A row on this list is a date in the insurance year, not an appointment. Nothing on this page holds a place in the diary.

Side by side

The same six, compared on four points

The lines repeat what each service above already states. Insurance has no fixed prices, so each line starts with a free review or quote, and every quote is an estimate until an insurer accepts the application.

The six services compared by price line, when to review and first step
Service	Price line	When to review	First step
S-01 Medicare	No-cost Medicare review	Every autumn, 15 Oct – 7 Dec	Bring your Medicare card
S-02 Health insurance	Free plan comparison	Open Enrollment or a life event	List your doctors
S-03 Life insurance	Free needs review	When life changes	Book a needs review
S-04 Home insurance	Free quote	Before each renewal	Bring your current policy
S-05 Car insurance	Free quote	Before each renewal, or a new driver	List every driver
S-06 Home and car bundle	Free quote	One shared renewal date	Bring both policies

03 · Process

How a free review starts

01

Send the form or write

Name the cover you need and who it is for. The form asks for a name, an email address, an optional telephone number, the cover needed, how to meet, the best time to call, the preferred day, a renewal date if known and a note of at least twenty characters.

02

Receive a written reply

A reply arrives by email or telephone during office hours, Monday to Friday. It proposes a time for the free 20-minute review and says what is worth bringing, such as your current policies, your Medicare card or any renewal letters.

03

Compare, then choose

Several insurers are quoted and the plans shown on one page before anything is chosen. Oakmere is paid by the insurer you choose, so the review costs you nothing extra; you pick, and Oakmere handles the forms and the start date.

04 · Suitability

Medicare Advantage or 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. Many clients start by listing their doctors and prescriptions, and Daniel Ortiz checks both kinds of plan against that list. When two options still read the same way, name both in the contact form and Oakmere will say which fits.

That answer is about which plan fits your doctors and budget. It is not a promise about future premiums or cover, which depend on the insurer, and a clear recommendation follows only once your doctors and prescriptions are checked.

Also useful

Common questions answered
Who concentrates on what
How Oakmere works

05 · Contact

Ask for a free quote

Name the cover you need and Oakmere will compare several insurers and set the plans side by side before you choose anything.

Book a review Get a free quote

Or write to hello@oakmere.example or call (000) 000-0000; Oakmere replies Monday to Friday.