NEXT STEPS INSURANCE
Next Steps Insurance LLC is an Independent Insurance Agency serving South Central PA, specializing in the senior insurance market and Medicare eligible. We are licensed with over 40 companies but don’t work for anyone except the clients we represent. This independence gives us the freedom to match each person with the insurance plans and companies that fit them best without bias or obligation. Even better, there is never a fee for our services.
A lot of what we do is educational in nature so that you understand all your Medicare Insurance options and are able to make informed decisions.
The cost of health insurance can be a challenge, especially for those without an employer insurance option - but the cost of going without health insurance could be a devastating choice.
Life Insurance is a valuable planning tool for any age. A variety of different life insurance products are available to fit your short and long-term goals, as well as your budget.
After spending a lifetime working, sadly many people are hesitant to enjoy their golden years - not feeling confident how much money they can safely spend each month.
Let us explain how a cancer plan can inexpensively bridge the gap and protect you financially in the event of a cancer diagnosis.
Is the thought of applying for Medicare overwhelming? How do you navigate the timing of everything and decide which Medicare plan will work best for you? Attend one of our free educational seminars to get your questions answered
At Next Steps Insurance, you are more than just a name or a policy in a file. We will take some time to get to know you, hear your concerns, and learn about the details we need to consider when making recommendations. Most people don’t want to be insurance experts, but the decisions you make regarding health insurance, in particular, can have significant consequences. We want to make sure you do it correctly.
Medicare Enrollment Periods
Annual Election Period
Oct 15 - Dec 7
You can add or change a Medicare Advantage Plan, Part D Prescription Drug Plan or switch to Original Medicare. Your last change before Dec 7 will be effective Jan 1.
Open Enrollment Period
Jan 1 - Mar 31
If you are on a Medicare Advantage Plan, you can make one change to your Medicare Advantage Plan or return to Original Medicare and the change will be effective the first of the next month.
Initial Coverage Election Period
A 7-month window starting 3 months before you turn 65 and extending 3 months after you turn 65 to first enroll into Medicare. You may be able to delay Medicare enrollment with active employer coverage.
Special Election Period
You may have special enrollment periods available throughout the year to enroll in Medicare or change your Medicare Advantage Plan, based on certain events. Specific rules apply to these additional life situations.