What We Do

There are over 55 Medicare Advantage plans available in Maricopa County alone!

How do I choose one?

Do I need a Supplement or Advantage or Drug Plan?

Rane Family Insurance helps you understand the different types of Medicare Health plans so you can find the plan that best fits your needs.

We analyze and compare the options available all over Arizona.

Want to shop? Need to understand your choices better?

We’re here to help.

Our services are no cost and you are never obligated to enroll with us.


The Process

We have adapted to meet where you are most comfortable.

  • If you would like a face to face appointment, we will come to your home or get together at a restaurant that is convenient for you.
  • If you want to see the big boss (our cat Elvis), we can meet for a virtual visit over Zoom. All you need is an internet connection and an email. We will illustrate your options on Medicare and send you a follow up email summarizing everything we discussed.

Reach out to us by phone or email.

We will talk about what is important to you and set a time to meet.


Our First Appointment

This meeting usually lasts 1-1 1/2 hours. We call it our Medicare 101, where we go over what Original Medicare covers (and doesn’t) and introduce you to all the plan types: Supplement/Medigap, Advantage (Part C) and Drug plans (Part D.)

We give you personalized quotes based on your drugs and doctors. We empower our clients to make educated and informed decisions when selecting their health plan.

At the appointment we provide these personalized quotes:

  • Supplement premium rates
  • Drug costs
  • Doctor networks
  • Comparison of plan benefits

We want you to see the value we offer by analyzing multiple plans.


Enrollment

When you are ready to enroll, we submit your application to the insurance company and make sure it is processed correctly.


Post Enrollment

You will receive a letter confirming your enrollment in 7-10 business days. It is followed by a Welcome Kit and ID cards.

As your agent, we advocate for you. We help deal with the insurance company and clarify how your policy works. You have a trusted resource who is just a phone call away.

Annual Open Enrollment

October 15- December 7

Each year we discuss your plan, how it is working for you and make note of how benefits are changing for the next year.

In September, we write a letter to all our clients reminding them about the fall Open Enrollment and offering our help to make any adjustments that might be needed.

If you are happy with your plan, it will usually continue for next year with nothing you need to do. If you want to switch, we will get the paperwork done and your new plan starts January 1st.


Open Enrollment

January 1 – March 31

If you have an Advantage Plan (Part C), you can switch to another Advantage plan in your area or go back to Original Medicare (in which case you are probably purchasing a Supplement with standalone drug plan.)

Special Election Period

There are also several times outside of the regular enrollment periods that you can change plans. Usually an event will trigger this such as moving, qualifying for state or federal assistance or losing other coverage.


Enrollment Periods for Supplements

Supplements are made up of ten standardized plans that are named by letter (A, B, C, D, F, G, J, K, L, N.)

Plan G is currently the most popular.

Plan F and C are no longer available to people who are starting their Medicare on or after January 2020.

You can shop and replace a supplement any time of year. However, you will have to go through underwriting when you apply (meaning that medical questions are asked to determine eligibility.)

Medigap Open Enrollment

There are two times when you don’t need to answer medical questions. The most popular one is open enrollment (different than what is listed above for Advantage plans).

Open enrollment for a supplement is triggered when you turn 65 and/or start your Medicare Part B.

This open enrollment period only lasts six months. During the six months you can enroll in any Supplement plan with no questions asked.

Guarantee Issue

The second way to sign up for a supplement without answering medical questions is when you have Guarantee Issue rights.

To learn more about Guarantee Issue rights, look on page 22 of the CMS publication titled, “Medicare Medigap Shoppers Guide.”

You can apply with underwriting.

There are some medical questions to get approved.