Free Planning Session - Medicare and Marketplace Plans
Our Mission
At Advance Planning Professionals, our mission is to provide individuals and families with accessible, affordable, and comprehensive health insurance solutions. Through our Medicare and ACA plans division, we are committed to educating and guiding our clients to make informed decisions that ensure they have the health coverage they need at every stage of life. We believe in personalized service, transparency, and creating lasting relationships that promote well-being and peace of mind.
Disclaimer:
“We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area."
Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program to get information on all of your options.
Free Planning Session - Medicare and Marketplace Plans
Medicare Plans
Medicare Plans Designed Just for You!
Understanding your Medicare options can be overwhelming, but we’re here to make it simple. Our expert team will help you find the right plan that fits your unique needs and budget.
Who is Eligible for Medicare?
Medicare is the federal health insurance program for individuals:
- Age 65 or older: Generally, U.S. citizens or permanent residents who are 65 or older are eligible for Medicare.
- Younger than 65 with certain disabilities: Individuals under 65 who receive Social Security disability benefits for 24 months, or who have End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS, also known as Lou Gehrig's disease), may be eligible.
- Individuals with End-Stage Renal Disease (ESRD) or ALS (Lou Gehrig's disease): These individuals may qualify for Medicare at any age.
Important Notes:
- Automatic Enrollment: If you are already receiving Social Security retirement or disability benefits, you may be automatically enrolled in certain parts of Medicare.
- Active Enrollment: If you are not automatically enrolled, you will need to actively sign up for Medicare when you become eligible, generally starting 3 months before your 65th birthday.
- Late Enrollment Penalties: It's important to understand the deadlines for enrolling in Medicare, as you may face penalties for signing up late.
For further details and to determine your specific eligibility and enrollment process, you can visit the official Medicare website or contact the Social Security Administration.
Ready to take the next step? Schedule a Free Health Planning Session today to review your options and get personalized recommendations! Click here or call us at 901-589-6566 to get started.
Your health matters—let's plan for it together!
ACA Plans
Affordable Care Act (ACA) Plans That Fit Your Life
Navigating the Health Insurance Marketplace doesn’t have to be complicated. We’re here to help you find an ACA plan that provides the coverage you need at a price you can afford.
Who Can Qualify for Affordable Care Act (ACA) Coverage?You may be eligible to enroll in health coverage through the Health Insurance Marketplace, established under the Affordable Care Act (ACA), if you meet the following requirements:
- You live in the United States
- You are a U.S. citizen or national, or are lawfully present (This includes individuals with legal immigration status such as a green card, work permit, or certain non-immigrant visas, etc.)
- You are not currently incarcerated
- You are not currently covered by Medicare
Additional Factors:
- Financial Assistance: Individuals at all income levels can sign up for health insurance under the ACA. However, if your household income falls within certain levels based on the federal poverty level (FPL), you may qualify for financial assistance, such as premium tax credits (subsidies) to lower your monthly premium costs.
- Medicaid Expansion: In states that have expanded their Medicaid programs, individuals with household incomes below a certain percentage of the FPL may qualify for Medicaid. Your ACA application can help you determine if you qualify for Medicaid.
- Employer-Sponsored Coverage: Generally, individuals who have access to affordable, comprehensive health coverage through their employer are not eligible for premium tax credits through the Marketplace.
Important Notes:
- Open Enrollment: Enrollment in the Marketplace is typically limited to an annual Open Enrollment period.
- Special Enrollment Period: You may be able to enroll outside of Open Enrollment if you experience a qualifying life event, such as losing other health coverage, moving, getting married, having a baby, or adopting a child.
- Income Reporting: If your income or household size changes after you enroll, it's important to update your application on HealthCare.gov to ensure you receive the correct amount of financial assistance.
Disclaimer: This information is intended as a general guide. Specific eligibility rules and requirements may vary based on your state of residence and other individual circumstances. You can find more detailed information and check your eligibility on HealthCare.gov or your state's health insurance marketplace website.
Ready to take the next step? Schedule a Free Health Planning Session today to review your options and get personalized recommendations! Click here or call us at 901-589-6566 to get started!
Your health, your choice—let's find the best plan for you!