Question 1

How much does your help cost?

Accepted Answer

Nothing. Our guidance is free to you. Insurance companies pay brokers a commission, and plan premiums are the same whether you enroll through us or directly with the insurance company. Our job is to find the plan that fits your needs and budget, not to push one company.

Question 2

Which states are you licensed in?

Accepted Answer

Duric Insurance Group is licensed in Connecticut, Florida, Georgia, Massachusetts, New Jersey, New York, Pennsylvania and Texas. Our office is in Rocky Hill, Connecticut, and we can help clients in any of these states by phone.

Question 3

What languages do you speak?

Accepted Answer

Our team speaks English, Bosnian and Spanish. Just tell us your preferred language when you call or fill out a form.

Question 4

Do I have to come to your office?

Accepted Answer

No. You are welcome at our office at 36 Old Main St in Rocky Hill, and we can also help you by phone or email. Call us and we’ll set up whatever works best for you.

Question 5

What should I bring to my appointment?

Accepted Answer

Your red, white and blue Medicare card (if you have one), a list of your doctors, a list of your prescriptions with the dose, your preferred pharmacy, and any letters or cards from your current plan.

Question 6

When can I sign up for Medicare?

Accepted Answer

Most people first sign up during their Initial Enrollment Period. It lasts seven months: the three months before the month you turn 65, your birthday month, and the three months after. If you are still working and have employer coverage, the rules can be different, so call us and we’ll walk you through it.

Question 7

When can I change my Medicare Advantage or Part D plan?

Accepted Answer

During the Annual Enrollment Period, October 15 to December 7, anyone with Medicare can change plans for the next year (the new plan starts January 1). If you are already in a Medicare Advantage plan, you can also make one change from January 1 to March 31. Some life events, such as moving or losing other coverage, give you a Special Enrollment Period.

Question 8

What is the difference between Medicare Advantage and a Medicare Supplement?

Accepted Answer

Medicare Advantage (Part C) plans are offered by private insurance companies and replace how you get your Part A and Part B benefits. Most include drug coverage and many add dental, vision and hearing benefits, usually with a network of doctors. A Medicare Supplement (Medigap) plan works alongside Original Medicare to help pay costs like deductibles and coinsurance, and you usually add a separate Part D drug plan. We explain the trade-offs so you can choose.

Question 9

Will my doctors and prescriptions be covered?

Accepted Answer

That is one of the first things we check. Before you enroll, we look up your doctors in each plan’s network and your medications on each plan’s drug list, so there are no surprises.

Question 10

What is Extra Help?

Accepted Answer

Extra Help is a Medicare program that helps people with limited income and resources pay for Part D prescription drug costs. If you think you may qualify, we can explain how it works and how to apply.

Question 11

Do you offer life insurance?

Accepted Answer

Yes. We compare term life, whole life and final expense coverage from several insurance companies so you can protect your family at a price that works for you.

Question 12

Can you help with dental, vision and hearing coverage?

Accepted Answer

Yes. Original Medicare generally does not cover routine dental, vision or hearing care. We can show you stand-alone plans and Medicare Advantage plans that include these benefits.

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