Frequently asked questions

FAQ

What is the Medicare Part D late enrollment penalty?

If you don't enroll in a Medicare Prescription Drug Plan (Part D) when you are first eligible and don't have other creditable prescription drug coverage, you may pay a late enrollment penalty. The penalty is calculated based on the number of months you went without Part D or other creditable coverage and is added to your monthly Part D premium for as long as you have Part D.

Encore Health Advisors, LLC, a licensed health insurance agency and advisory firm that assists individuals, providers, and employers in navigating retirement and healthcare strategies including health insurance options and Medicare. In California, all insurance products are offered by Encore General Insurance Agency, LLC (Lic. No. 6013918).


We do not offer every plan available in your area. Currently we represent 10 organizations which offer numerous products 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.


The Medicare plans represented are PDP, HMO, PPO or PFFS plans with a Medicare contract. Enrollment in plans depends on contract renewal. Enrollment in a plan may be limited to certain times. Outside of the Medicare annual enrollment period, beneficiaries can enroll in a plan only if they meet certain criteria. Encore Health Advisors LLC is not connected with or endorsed by any government agency or the Federal Medicare program.


By initiating contact or scheduling a call you are agreeing to be contacted by a licensed insurance agent by email, text message, or phone call to discuss your healthcare options. This is a solicitation for insurance.

Encore Health Advisors, LLC, a licensed health insurance agency and advisory firm that assists individuals, providers, and employers in navigating retirement and healthcare strategies including health insurance options and Medicare. In California, all insurance products are offered by Encore General Insurance Agency, LLC (Lic. No. 6013918).


We do not offer every plan available in your area. Currently we represent 10 organizations which offer numerous products 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.


The Medicare plans represented are PDP, HMO, PPO or PFFS plans with a Medicare contract. Enrollment in plans depends on contract renewal. Enrollment in a plan may be limited to certain times. Outside of the Medicare annual enrollment period, beneficiaries can enroll in a plan only if they meet certain criteria. Encore Health Advisors LLC is not connected with or endorsed by any government agency or the Federal Medicare program.


By initiating contact or scheduling a call you are agreeing to be contacted by a licensed insurance agent by email, text message, or phone call to discuss your healthcare options. This is a solicitation for insurance.

Encore Health Advisors, LLC, a licensed health insurance agency and advisory firm that assists individuals, providers, and employers in navigating retirement and healthcare strategies including health insurance options and Medicare. In California, all insurance products are offered by Encore General Insurance Agency, LLC (Lic. No. 6013918).


We do not offer every plan available in your area. Currently we represent 10 organizations which offer numerous products 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.


The Medicare plans represented are PDP, HMO, PPO or PFFS plans with a Medicare contract. Enrollment in plans depends on contract renewal. Enrollment in a plan may be limited to certain times. Outside of the Medicare annual enrollment period, beneficiaries can enroll in a plan only if they meet certain criteria. Encore Health Advisors LLC is not connected with or endorsed by any government agency or the Federal Medicare program.


By initiating contact or scheduling a call you are agreeing to be contacted by a licensed insurance agent by email, text message, or phone call to discuss your healthcare options. This is a solicitation for insurance.

Encore Health Advisors, LLC, a licensed health insurance agency and advisory firm that assists individuals, providers, and employers in navigating retirement and healthcare strategies including health insurance options and Medicare. In California, all insurance products are offered by Encore General Insurance Agency, LLC (Lic. No. 6013918).


We do not offer every plan available in your area. Currently we represent 10 organizations which offer numerous products 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.


The Medicare plans represented are PDP, HMO, PPO or PFFS plans with a Medicare contract. Enrollment in plans depends on contract renewal. Enrollment in a plan may be limited to certain times. Outside of the Medicare annual enrollment period, beneficiaries can enroll in a plan only if they meet certain criteria. Encore Health Advisors LLC is not connected with or endorsed by any government agency or the Federal Medicare program.


By initiating contact or scheduling a call you are agreeing to be contacted by a licensed insurance agent by email, text message, or phone call to discuss your healthcare options. This is a solicitation for insurance.