Resources
Frequently asked questions
What people ask most about Medicare, Obamacare and life insurance.
How much does it cost to talk to an Aion agent?
Guidance from our licensed agents has no cost to you. We don’t sell your information and we explain every option in English or Spanish before you decide.
· Reviewed by Davey Selva, licensed producing agent (NPN 18969537), Aion Insurance Group Corp
What happens if I don't sign up for Medicare on time?
If you could have had Part B and didn't take it, your premium rises 10% for each full 12 months of delay, for as long as you have Medicare. That's why the 7-month window around your 65th birthday matters.
Can I keep my doctor?
It depends on the plan. With Original Medicare you can see any doctor who accepts Medicare; Advantage and Obamacare plans each have a network. We check with you that your doctors and pharmacy are in network.
Can a plan turn me down for a condition I already have?
Not Marketplace (ACA) plans: they can't reject you or charge you more for a pre-existing condition.
How much does your guidance cost?
It has no cost to you. We don't sell your information or share it with third parties for their own marketing.
Does Medicare cover everything?
No. Original Medicare doesn't cover most dental, vision or hearing aids, and it has no annual out-of-pocket cap. An Advantage plan or a Supplement can fill those gaps.
Why do two people pay different premiums on the same Obamacare plan?
Because the tax credit that lowers your premium depends on income and household size. That's why we estimate your help before you pick a plan.
What if I lose my coverage mid-year?
You may have 60 days to enroll in an ACA plan, or a special window in Medicare. Call us soon: the clock starts on the date of the event.
What happens after I enroll?
Your advisor follows up every year to review your coverage and when your life changes: a move, marriage, a new baby or retirement.