Insurance FAQ
Questions before the first quote.
What an independent agent costs, when to sign up for Medicare, how plans differ and what to do when it is time to claim.
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.