When should I enroll in Medicare?

Your Initial Enrollment Period generally begins 3 months before you turn 65, includes your birthday month, and continues for 3 months after your birthday month. If you are still working and covered by qualifying group health coverage based on current employment, you may qualify for a Special Enrollment Period. Your enrollment timing depends on your circumstances.

What's the difference between Medicare Advantage and Medicare Supplement?

Medicare Advantage (Part C) is an alternative way to receive Medicare benefits through a private Medicare-approved plan and may include prescription drug coverage and additional benefits. Medicare Supplement insurance, also called Medigap, works with Original Medicare to help pay certain Medicare cost-sharing expenses. The two types of coverage work differently and may fit different healthcare and financial needs.

Do I have to pay for Kidwell Insurance Services?

There is no direct fee to clients for our insurance guidance and enrollment assistance. Insurance carriers generally compensate licensed agents when a client enrolls in a plan they represent. Carrier compensation does not increase the plan's premium.

Can I switch Medicare plans?

Depending on your circumstances, you may be able to change Medicare coverage during certain enrollment periods. The Medicare Annual Election Period generally runs from October 15 through December 7 each year. Medicare Advantage enrollees may also have certain opportunities to make changes during the Medicare Advantage Open Enrollment Period from January 1 through March 31. Other Special Enrollment Periods may apply.

What if my doctors are not in the plan's network?

Before enrolling in a Medicare Advantage plan, it is important to verify that your doctors, hospitals, and other healthcare providers participate in the specific plan's network. Network rules vary by plan. Medicare Supplement insurance works with Original Medicare, which generally allows you to see any doctor or hospital that accepts Medicare, subject to Medicare's rules.

Supplemental Insurance Options for Added Protection

Your health insurance is an important part of your financial protection—but it may not cover every expense you could face after an accident, illness, or hospitalization.

Kidwell Insurance Agency offers a range of supplemental insurance options designed to provide additional benefits alongside your existing health coverage.

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Dental Insurance

Protect your smile while helping manage the cost of routine and unexpected dental care.

Dental insurance may help with covered services such as:

Preventive exams and cleanings
X-rays
Fillings
Crowns
Root canals
Oral surgery
Other covered dental services

Vision Insurance

Vision coverage can help make routine eye care and prescription eyewear more affordable.

Depending on the plan, benefits may include:

Routine eye exams
Prescription eyeglasses
Contact lenses
Frames
Lens options
Other covered vision services

A doctor smiles while discussing supplemental insurance with a woman in a hospital bed, both sharing a warm smile.

Hospital Indemnity Insurance

A hospital stay can create expenses that go beyond your medical bills.

Hospital indemnity insurance may provide a cash benefit when you experience a covered hospitalization or other qualifying event. Depending on the policy, benefits may be available for:

Hospital admissions
Hospital stays
Intensive care
Certain outpatient procedures
Other covered events

Benefits are generally paid directly to you and may be used where you need them most.

Critical Illness Insurance

A serious illness can affect more than your health—it can affect your finances as well.

Critical illness insurance may provide a lump-sum benefit following the diagnosis of a covered condition. Depending on the policy, covered conditions may include:

Heart attack
Stroke
Certain types of cancer
Other covered serious illnesses

Benefits can generally be used at your discretion to help with eligible financial needs.

Accident Insurance

Accidents can happen at any time. Accident insurance can provide additional benefits following a covered accidental injury.

Depending on the plan, benefits may help with expenses associated with:
- Emergency room visits
- Ambulance services
- Fractures
- Dislocations
- Hospitalization
- Follow-up treatment
- Other covered accidental injuries

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Why Consider Supplemental Insurance?

Your health plan doesn't cover everything

Even comprehensive health insurance can leave you responsible for deductibles, coinsurance, copayments, and other costs.

An unexpected event can affect your finances

An accident or hospitalization can result in expenses that aren't limited to medical bills.

Supplemental coverage can provide another layer of protection

Depending on the policy, supplemental benefits may help provide additional financial support when a covered event occurs.

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Local Supplemental Insurance Support

Let's Find the Right Coverage for You

At Kidwell Insurance Agency, we can help you understand your existing coverage, identify potential gaps, and review supplemental insurance options that may fit your needs and budget.