Before your review
Your insurance questions, answered.
What an independent agent costs, when to sign up for Medicare, how to bundle home and car, what to do after a claim and what to bring to your appointment.
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.
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.
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.
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.
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.
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.
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.
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.