A Biased View of Annuities In Toccoa, Ga

See if you are eligible to make use of the Wellness Insurance coverage Industry. To be qualified to sign up in wellness coverage via the Market, you: Under the Affordable Treatment Act(ACA), you have special person security when you are guaranteed with the Health and wellness Insurance Coverage Industry: Insurance companies can not refuse insurance coverage based on gender or a pre-existing condition. Some civil liberties and securities use to plans in the Wellness Insurance Industry or other individual insurance policy, some apply to job-based strategies, and some apply to all health and wellness insurance coverage.


With medical expenses soaring, the requirement for personal medical insurance in this day and age is a monetary reality for many. Health insurance policy is the primary lorry that many consumers make use of to pay for medical and medical facility bills. There is public wellness insurance such as Medicare and Medicaid, which some may get relying on age, revenue and household dimension. Within the group of exclusive
wellness insurance, there are considerable distinctions in between a wellness took care of company (HMO)and a preferred company company(PPO)plan. Relying on the kind of exclusive medical insurance you select, there will be specific benefits and limitations. While most economic planners will motivate you to bring a kind of exclusive coverage, it can come with some disadvantages that should be thought about when you purchase a policy. In this way, care is coordinated through your PCP.When considering if an HMO is right for you, below are some points to consider: HMOs commonly set you back much less than PPOs. An HMO might be an excellent choice if you don't have numerous illness and therefore little demand to check out experts and/or if you don't mind working with treatment with your PCP. A PPO includes a network of health care carriers with both medical care and specialists


PPOs supply better adaptability than HMOs since a recommendation is not required to see an expert. You may also see carriers out of network, though you will certainly have to pay higher copays to do so. Remember the adhering to when making a decision if a PPO is the most effective alternative for you. PPOs are normally much more expensive than HMOs. PPOs might offer even more versatility if you find on your own in requirement of experts 'care or currently have doctors that you wish to see, even if they are not in-network. Naturally, the most evident advantage is that personal medical insurance can offer insurance coverage for a few of your medical care expenditures. This could enable you to pick the choices that you are probably to require and omit those that you do not
. The experiences that come with personal health and wellness insurance may consist of much shorter wait times, greater customized attention and a lot more innovative centers. Public facilities can be chock-full sometimes and may offer a lower degree of treatment in several cases. This is particularly real if you are in bad wellness and do not have accessibility to group insurance coverage of any kind of kind.

Top Guidelines Of Health Insurance In Toccoa, Ga

Many individual policies can cost numerous hundred bucks a month, and family coverage can be also greater. And also the more detailed policies featured deductibles and copays that insureds have to meet before their protection kicks in.

For more information on kinds of health insurance, contact your employer benefit representative or your financial professional. In summary, here are some of the pros and cons of making use of exclusive wellness insurance coverage.


Most health and wellness strategies need to cover a set of preventive solutions like shots and screening tests at no price to you. http://prsync.com/thomas-insurance-advisors/. This consists of plans available with the Health and wellness Insurance Policy Marketplace.

Unknown Facts About Annuities In Toccoa, Ga

When you get insurance, the regular monthly bill from your insurance coverage firm is called a premium. Insurance policy companies can no much longer bill you a higher premium based upon your health condition or as a result of pre-existing clinical conditions. Insurer supplying major medical/comprehensive policies, set a base rate for every person who purchases a medical insurance plan and afterwards readjust that rate based upon the variables listed below.


Usually, there is a tradeoff in the premium amount and the expenses you pay when you obtain treatment. The greater the month-to-month costs, the lower the out-of-pocket costs when you receive care.


For more information on kinds of health and wellness insurance, call your employer benefit rep or your monetary professional. In recap, right here are some of the pros and cons of making use of personal health insurance policy.

Health Insurance In Toccoa, Ga Fundamentals Explained

The majority of health insurance plan have to cover a collection of preventative services like shots and screening tests at no charge to you. This consists of strategies offered through the Health Insurance Policy Industry. Notification: These services are totally free just when supplied by a physician or other service provider in your plan's network. There are 3 collections of totally free preventive solutions.


When you purchase insurance, the month-to-month bill from your insurance provider is called a premium. Insurance provider can no more charge you a greater premium based upon your health and wellness standing or because of pre-existing clinical conditions. Insurer offering major medical/comprehensive plans, set a base price for everyone that buys a medical insurance strategy and after that adjust that price based upon the factors provided below.

Generally, there is a tradeoff in the premium quantity and the expenses you pay when you obtain care. The higher the month-to-month premium, the lower the out-of-pocket expenses when you obtain care.

Final Expense In Toccoa, Ga for Beginners

To find out more on types of medical insurance, call your company benefit rep or your economic expert. In summary, below are some of the pros and cons of making use of exclusive medical insurance. Pros Numerous choices so you can pick the ideal plan to fulfill your private needs Usually uses greater adaptability and access to care than public health insurance coverage Can cover the cost of costly healthcare that might develop unexpectedly Cheats Costly with costs climbing annually Does not guarantee total access to care If you wish to discover more about conserving for healthcare or exactly how healthcare can affect your family members budget plan, check out the Safety Discovering Facility.


A lot of health insurance plan must cover a set of preventative solutions like shots and screening tests at no expense to you. This consists of strategies readily available through the Medical insurance Market. Notice: These solutions are totally free just when supplied by a doctor or other supplier in your strategy's network. There are 3 collections of complimentary preventive services.




When you acquire why not try here insurance coverage, the month-to-month costs from your insurance coverage company is called a premium. Insurance provider can no more bill you a greater premium based on your wellness condition or because of pre-existing clinical problems. Insurance policy business providing significant medical/comprehensive policies, set a base price for every person who buys a wellness insurance coverage plan and after that adjust that price based upon the aspects listed here.

The Of Home Owners Insurance In Toccoa, Ga

Generally, there is a tradeoff in the costs quantity and the expenses you pay when you receive care - Life Insurance in Toccoa, GA. The higher the monthly costs, the lower the out-of-pocket costs when you obtain care

 

The Best Strategy To Use For Paul B Insurance Insurance Agent For Medicare Huntington

 

Medicare is medical insurance for people 65 or older. You're first eligible to sign up for Medicare 3 months prior to you transform 65. You may be qualified to obtain Medicare earlier if you have a disability, End-Stage Kidney Condition (ESRD), or ALS (also called Lou Gehrig's illness). Comply with these steps to discover Medicare, just how to subscribe, and your insurance coverage alternatives.


A (Lock, A locked padlock) or implies you have actually safely attached to the. gov site. Share sensitive details just on official, safe and secure internet sites.


If you are turning 65 within the following 3 months or you are 65 years of age or older, you might be qualified to extra medical advantages with the Medicare program. You are required to obtain Medicare as a condition of eligibility for Medicaid (paul b insurance medicare advantage plans huntington). Medicare is a federal medical insurance program for people over 65 as well as for sure people with specials needs no matter revenue.

 

 

 

You are called for to look for Medicare if: You have Persistent Renal Failure or Amyotrophic Lateral Sclerosis (ALS); You are turning 65 in the following 3 months or are already age 65 or older your earnings goes to or listed below 120% of the government poverty line (based on the house size for a solitary individual or couple), or is at the Medicaid standard.

 

 

 

The Single Strategy To Use For Paul B Insurance Medicare Agent Huntington

If the Medicaid program can pay your costs, you will be needed to obtain Medicare as a condition of Medicaid eligibility. You may use for Medicare by calling the Social Safety and security Management at 1-800-772-1213 or by using internet at: . You might be needed to send proof that you have actually gotten Medicare.


This page contains details on Medicare Part An and Medicare Part B qualification as well as registration. For more details about Medicare for people who are still functioning, most likely to our Company web page or I'm 65 and also Still Functioning web page. Medicare Part A (Health Center Insurance Policy) and also Medicare Component B (Medical Insurance policy) are available to the people listed below: Age 65 or older Impaired End-Stage Kidney Disease (ESRD) Many people obtain Component A for totally free, however some need to pay a premium for this insurance coverage.


To get premium-free Component A, the employee needs to have a defined number read of quarters of coverage (QCs) as well as submit an application for Social Safety and security or Railroad Retirement Board (RRB) advantages. The precise variety of QCs called for depends on whether the individual is declaring Part A on the basis old, disability, or End Phase Renal Condition (ESRD).


Many individuals pay the full FICA tax obligation so the QCs they gain can be made use of to meet the needs for both month-to-month Social Safety and security benefits as well as premium-free Part A. Particular Federal, State, as well as city government workers pay just the Component A part of the FICA tax obligation. The QCs they gain can be made use of only to fulfill the needs for premium-free Part A; they might not be utilized to satisfy the requirements for monthly Social Security advantages.

 

 

 

An Unbiased View of Paul B Insurance Medicare Part D Huntington

An individual that is receiving month-to-month Social Protection or RRB advantages, a minimum of 4 months prior to turning find out here age 65, does not need to submit a separate application to come to be qualified to premium-free Component A. In this situation, the individual will get Component An immediately at age 65. A person that is not receiving month-to-month Social Security or RRB benefits have to submit an application for Medicare by getting in touch with the Social Get More Information Security Management.

 

 

 

If the application is filed more than 6 months after transforming age 65, Part A coverage will be retroactive for 6 months. For an individual whose 65th birthday celebration is on the initial day of the month, Part A coverage starts on the very first day of the month preceding their birth month.

 

 

 

People that have to pay a premium for Component A do not immediately obtain Medicare when they transform 65. They have to: Submit an application to enlist by speaking to the Social Safety and security Administration; Enroll during a legitimate enrollment duration; and Also enlist in or already have Component B. To maintain costs Component A, the individual should proceed to pay all monthly costs and remain enrolled in Part B.

 

 

 

The smart Trick of Paul B Insurance Medicare Agent Huntington That Nobody is Talking About

Premium Part A component begins protection starts following the complying with of enrollment.


There is no waiting duration. SSA regulations do not enable youngster handicap advantages to begin earlier than age 18. Part An entitlement based on youngster special needs benefit entitlement can never ever start before the month the person achieves age 20 (or age 18 if the individual's handicap is ALS).


The 3rd month after the month in which a routine training course of dialysis starts; or The very first month a routine program of dialysis begins if the specific participates in self-dialysis training; or The month of kidney transplant; or Two months before the month of transplant if the individual was hospitalized during those months to prepare for the transplant People already receiving Social Safety or RRB benefits at the very least 4 months before being eligible for Medicare as well as residing in the United States (except residents of Puerto Rico) are automatically enrolled in both premium-free Part An and Part B.


People staying in Puerto Rico who are eligible for automatic enrollment are only enrolled in premium-free Part A; they should actively enlist partially B to get this protection. People who are not getting a Social Safety or RRB advantage are not immediately enrolled. People who previously declined Component B, or that ended their Component B registration, may sign up (or re-enroll) in Part B only throughout certain enrollment periods.
 

About Paul B Insurance Medicare Insurance Program Huntington

 

, additionally known as clinical insurance coverage, covers certain physicians' services, outpatient care, clinical supplies and preventative solutions. Medicare Components An and also B combined is likewise known as "Original Medicare.", likewise known as prescription drug protection, can be added to Original Medicare. Instead of acquiring Initial Medicare, some people select to purchase a Medicare Advantage strategy, which is.


Transitioning from Covered The Golden State to Medicare is an important action. Ensure you take action as well as monitor essential dates as well as due dates to stay clear of unwanted consequences. As a whole, individuals who are eligible for Medicare even if they do not register in it aren't qualified to obtain monetary assistance (costs tax obligation debts) to lower the cost of a Covered California wellness strategy.


Your Covered The golden state strategy will not be automatically canceled when you become eligible for Medicare, also if you enroll in a Medicare strategy with the very same insurer. You should cancel your plan yourself at the very least 14 days before you desire your insurance coverage to finish by calling Covered The golden state. paul b insurance medicare advantage plans huntington. If you are eligible for Medicare and also you maintain your Covered California plan, you may face major repercussions.

 

 

 

Or, there might be a hold-up in your Medicare insurance coverage begin date. If you don't enroll in Medicare Component B (medical insurance policy) throughout your preliminary registration period, you will need to wait for the general open registration period (Jan. 1 to March 31), and afterwards your insurance coverage wouldn't start till July of that year.

 

 

 

The Greatest Guide To Paul B Insurance Medicare Health Advantage Huntington

There is an exemption for people qualified for premium Part A. If you need to spend for Medicare Part A, you may acquire a Covered California health and wellness plan instead of enlisting in Medicare Part A. You may additionally get approved for economic help to lower your strategy prices, relying on your income.

 

 

 

It is very important to meticulously analyze your alternatives. People with a plan via Covered The golden state who have been determined handicapped by the Social Protection Management will certainly be immediately registered in Medicare within two years of receiving Social Security Special needs Insurance Policy (SSDI) income. You can buy wellness coverage with Covered California during your two-year waiting period.


You will certainly no more receive monetary help to pay for your Covered The golden state plan after your two-year waiting duration ends. You will certainly need to terminate your health insurance plan via Covered California a minimum of 14 days before you want your protection to finish. If you were enlisted in Medi-Cal rather than Covered California, you can ask your neighborhood region office if you will continue to get other Medi-Cal programs that can decrease your Medicare prices.


Then, call Covered The golden state at (800) 300-1506 (TTY: 888-889-4500) and also tell us about your Medicare insurance coverage. You recommended you read can terminate your Covered California plan or discuss your insurance coverage choices. (A 14-day notice is needed before canceling your Covered The golden state strategy. Your Covered The golden state strategy can not be terminated for past months.) If you're presently enlisted in Medicare Part A, or eligible for premium-free Medicare Component A, you can't enroll in brand-new coverage with Covered California.

 

 

 

Paul B Insurance Insurance Agent For Medicare Huntington for Beginners

But depending upon your revenue and also assets, you may be eligible for extra insurance coverage via Medi-Cal. paul b insurance medicare agency huntington. When you're signed up in Medicare, you can call your regional area workplace More hints or finish the Covered California application to see if you also get approved for Medi-Cal. Unless you presently obtain Social Security advantages, Medicare registration is manual, and also you have to proactively register.


The first enrollment period starts 3 months before the month you turn 65 and also it finishes three months after the month you transform 65. You must enroll in some Medicare parts prior to the month you turn 65 to stay clear of a wellness protection gap. If you miss your first registration duration, you might have to wait until the basic open-enrollment period in January to join, with coverage not starting until July of that year.


This could likewise imply that you 'd have to pay a greater Medicare premium for the remainder of your life. The Social Security Management can tell you if you're eligible for Medicare, if you have to pay a costs for Part A (hospital insurance policy), and when your insurance coverage starts. Call the Social Security Administration at (800) 772-1213.


You need to call Covered The golden state at (800) 300-1506 (TTY: 888-889-4500) as soon as you understand your Medicare qualification as well as begin date. Covered The golden state requires a 14-day notice before terminating your coverage. Your Covered California insurance coverage can not be terminated for past months. To prevent a gap in protection or tax charges, call why not try this out Covered The golden state as soon as you discover your Medicare eligibility verification from the Social Protection Administration, but prior to your Medicare insurance coverage beginning day.

 

 

 

Paul B Insurance Medicare Agent Huntington for Beginners

If you currently have a Covered California plan and also come to be qualified for premium-free Medicare Part A (health center insurance), you can maintain your existing Covered The golden state strategy, however you will certainly have to pay the complete price. You need to report your Medicare eligibility to Covered California within one month of becoming eligible.


If you have to pay a costs for Part A, you might keep your Covered The golden state plan and obtain monetary help if eligible, rather of Medicare Part A yet not both. Their eligibility needs to go via the decision process once again, which might change the amount of financial help they can get.

 

 

 

Medicare likewise uses Medigap, which is exclusive supplementary insurance coverage that assists pay for some health care expenses like copayments, coinsurance, as well as deductibles. You ought to use for Medigap within 6 months of enrolling in Medicare Part B (clinical insurance policy). To read more regarding the different coverage options under Medicare and also just how to enlist utilizing the Medicare Plan Finder, call (800) MEDICARE.
 

Getting The Thomas Insurance Advisors To Work

Car insurance policy is a policy that covers you in situation of accidents or other incidents involving your cars and truck. A number of types of auto insurance policy consist of responsibility, accident, and also thorough protection. It can cover a portion of your revenue as well as help you to cover your living expenses.




Knowing that your final costs are covered can supply tranquility of mind for you and your loved ones.

Little Known Questions About Thomas Insurance Advisors.

It can cover regular checkups as well as unexpected ailments or injuries. Traveling insurance coverage is a policy that offers monetary protection while you are traveling - Automobile Insurance in Toccoa, GA. It can cover journey cancellations, lost luggage, clinical emergencies, and also other travel-related expenses. Traveling medical insurance is a policy that especially covers medical costs while traveling abroad.

Mortgage insurance is a plan that secures loan providers in situation of customer default. Home loan lending institutions frequently need it for borrowers with much less than a 20% deposit. Renters insurance policy is a policy that covers your individual valuables if you are renting a residence or house. It can also give obligation coverage if a person is hurt on your rented building.


, such as braces. These are just a few of the most usual kinds of insurance coverage plans.

How Thomas Insurance Advisors can Save You Time, Stress, and Money.

If you have any kind of inquiries concerning insurance policy, call us and also ask for a quote. They can aid you pick the appropriate plan for your demands. Commercial Insurance in Toccoa, GA. Many thanks for reviewing! We wish this overview has been helpful. Contact us today if you desire tailored solution from a licensed insurance representative. Absolutely free.


Right here are a few factors why term life insurance policy is the most popular kind. First of all, it is inexpensive. The expense of term life insurance policy premiums is established based on your age, wellness, and the insurance coverage quantity you call for. Certain sorts of business insurance coverage might be legitimately necessary in some scenarios.

With PPO plans, you pay higher month-to-month costs for the liberty to make use of both in-network and also out-of-network companies without a recommendation. Paying a premium is similar to making a monthly automobile repayment (https://www.tripadvisor.in/Profile/jstinsurance1).

The Of Thomas Insurance Advisors

When you have an insurance deductible, you are in charge of paying a particular quantity for coverage services prior to your health over here insurance plan offers insurance coverage. Life insurance policy can be separated into 2 main types: term and also permanent. Term life insurance offers insurance coverage for a specific duration, normally 10 to 30 years, and is a lot more cost-effective.


This content is for informational functions just and may not be relevant to all situations. Protection based on terms, problems, and also availability. Policy issuance goes through credentials. Allstate Insurer, Allstate Indemnity Firm, Allstate Fire and also Casualty Insurer, Allstate Residential Property and also Casualty Insurance Provider, Allstate North American Insurance Coverage Company, Northbrook, IL.

Insurance coverage deals satisfaction versus the unanticipated. You can discover a plan to cover almost anything, but some are more crucial than others. All of it depends on your demands. As you draw up your future, these 4 kinds of insurance must be strongly on your radar. Auto insurance is vital if you drive. Final Expense in Toccoa, GA.

More About Thomas Insurance Advisors

According to information from 2019, an automobile accident can cost you greater than $12,000, even with no injuries; it can set you back greater than $1. 7 million if an accident is deadly. These expenses come from clinical costs, vehicle damages, wage as well as efficiency losses, and also a lot more. Many states require that you have standard automobile obligation insurance coverage to cover legal costs, injury or death, and residential or commercial property damage to others when you are lawfully accountable.


These insurance coverages pay for medical expenditures associated to the case for you and your travelers, no issue who is at fault. This likewise helps cover hit-and-run crashes and crashes with vehicle drivers who do not have insurance policy. If you're getting an automobile with a car loan, you might also need to include thorough and also collision protection to your policy to spend for damages to your vehicle because of car mishaps, burglary, criminal damage, and also various other risks. https://myspace.com/jstinsurance1.


For many individuals, a home is their best possession. Home insurance coverage secures you by offering you a financial safety and security net when damage occurs. If you have a mortgage, your lending institution most likely calls for a policy, however if you do not purchase your very own, your lending institution can buy it for you as well as send you the expense.

3 Simple Techniques For Thomas Insurance Advisors

Home insurance policy is a great suggestion, also if you have actually repaid your home loan, due to the fact that it shields you against expenditures for building damage. It likewise shields you against obligation for injuries and residential or commercial property damages to visitors brought on by you, your household, or your animals. It can additionally cover you if your home is uninhabitable after a protected case, and it can pay to repair or restore detached structures, like your fencing or shed, harmed by a protected claim.

 

How Paul B Insurance Medicare Agent Farmingdale Ny can Save You Time, Stress, and Money.

Out-of-pocket costs can promptly accumulate for many years if you get unwell. The Medicare Advantage Strategy might provide a $0 costs, but the out-of-pocket surprises might not be worth those preliminary savings if you get ill. "The very best candidate for Medicare Benefit is someone who's healthy," says Mary Ashkar, elderly lawyer for the Center for Medicare Advocacy.

Nonetheless, you might not be able to purchase a Medigap policy (if you change after the abovementioned 12-month limit). If you are able to do so, it may cost more than it would certainly have when you initially enlisted in Medicare. Paul B Insurance Medicare Agent Smithtown NY. Remember that a company just requires to give Medigap insurance if you meet specific requirements concerning underwriting (if this wants the 12-month period).


The majority of Medigap plans are issue-age ranked policies or attained-age rated policies. This means that when you authorize up later on in life, you will certainly pay more per month than if you had begun with the Medigap policy at age 65. You may be able to find a plan that has no age ranking, however those are unusual.


Also, make sure to locate out if all your physicians accept the strategy and also that all the medicines you take (if it's a plan that additionally covers partly D prescription medicine protection) will be covered. If the strategy doesn't cover your existing doctors, be certain that its doctors are appropriate to you and are taking brand-new clients covered by the strategy.

How Paul B Insurance Medicare Agent Plainview Ny can Save You Time, Stress, and Money.

Medicare is a Health And Wellness Insurance Policy Program for: People 65 years of age and also older. Some individuals with impairments under 65 years old. Individuals with End-Stage Renal Disease (long-term kidney failing calling for dialysis or a transplant). Medicare has four parts: Part A (Healthcare Facility Insurance). Many people do not need to spend for Component A.




These are wellness care options (like HMOs) in some locations of the nation. In many Medicare handled treatment plans, you can only most likely to medical professionals, specialists, or health centers that become part of the plan. Medicare handled treatment strategies provide all the benefits that Original Medicare covers. Some cover additionals, like prescription medicines.


The FEHB health insurance sales brochures explain how they coordinate benefits with Medicare, depending upon the type of Medicare handled care plan you have. If you are eligible for Medicare protection read this info thoroughly, as it will have a genuine bearing on your benefits - Paul B Insurance Local Medicare agent. The Original Medicare Strategy (Original Medicare) is readily available almost everywhere in the USA.


You might go to any doctor, specialist, or hospital that approves Medicare. The Initial Medicare Plan pays its share and you pay your share. Some points are not covered under Original Medicare, like prescription medicines. The choice to register in Medicare is yours. We urge you to get Medicare advantages 3 months before you transform age 65.

8 Simple Techniques For Paul B Insurance Medicare Agent Huntington Ny

Just call the Social Security Administration toll-fee number 1-800-772-1213 to establish a consultation to use. If you do not look for several Parts of Medicare, you can still be covered under the FEHB Program. If you can obtain premium-free Component A protection, we encourage you to register in it.


It is the way everyone made use of to obtain Medicare benefits and is the means most individuals get their Medicare Component An as well as Part B advantages currently. You may most likely to any kind of doctor, professional, or healthcare facility that accepts Medicare. The Initial Medicare Strategy pays its share and you pay your share.


Please consult your health insurance plan for particular details regarding filing your cases when you have the Original Medicare Strategy. If you are eligible for Medicare, you might select to enroll in and also get your Medicare gain from a Medicare Advantage strategy. These are personal health care selections (like HMO's) in some areas of the nation.


When the FEHB plan is the key payer, the FEHB plan will certainly process the insurance claim first. If you register in Medicare Component D and we are the additional payer, we will examine cases for your prescription medication prices that are not covered by Medicare Part D as well as consider them great site for payment under the FEHB plan.

6 Simple Techniques For Paul B Insurance Medicare Agent Smithtown Ny

Before you enlist in a Medicare Advantage plan it is necessary to understand the following: Do every one of your carriers (doctors, hospitals, and so on) accept the strategy? You must have both Medicare Components An and B and also live in the solution area for the strategy. You must stay in the strategy until completion of the calendar year (there are a couple of exemptions to this).


Be sure that you recognize the additional advantages and any type of advantages (or freedoms) that you explanation might shed. You may wish to take into consideration: If you can alter your existing doctors If your medicines are covered under the strategy's formulary (if prescription drug protection is given) The monthly costs The price of coverage.


What extra solutions are offered (i. e. precautionary treatment, vision, oral, gym membership) Any type of therapies you require that aren't covered by the plan If you wish to enlist in a Medicare Benefit strategy, you must: Be eligible for Medicare Be registered in both Medicare Part An and also Medicare Component B (you can check this by referring to your red, white, and blue Medicare card) Live within the plan's service location (which is based upon the area you live innot your state of residence) Not have end-stage renal illness (ESRD) There are a couple of times throughout the year that you might be qualified to change your Medicare Advantage (MA) plan: The occurs each year from October 15-December click here for more info 7.