A Clearer Path to Medicare and Final Expense Insurance

Feeling confused about Medicare or Final Expense life insurance? You’re not alone. Navigating insurance options can sometimes feel complicated, inconvenient or overwhelming.

But PlanEnroll helps change all that. We’ve made it easier for you to plan for better days ahead by providing a straightforward way to learn, compare and enroll in Medicare or purchase Final Expense life insurance.

No matter what type of coverage you’re looking for, PlanEnroll can make your insurance journey easier, clearer and simpler. And you can make your journey the way you prefer — online, over the phone or through a local, licensed insurance agent.

Review Your Options and Greater Clarity

PlanEnroll helps you feel more confident about the choices you make. Our process allows you to learn about a wide variety of Medicare or Final Expense life insurance options, select the type of plan or policy you want to explore, and then review your options with a licensed insurance agent. The result is a better understanding of your coverage options, a plan or policy that fits your needs and personal support from a licensed insurance agent who can help you with your decision.

Your Convenient, One-Stop Resource

Rather than running around, trying to compare plans or policies from individual insurance carriers, we’ve gathered everything you need in one place. With PlanEnroll, you can enjoy:

• Simplicity: Learn about your plan or policy options and find coverage that’s right for you.
• Convenience: Shop, compare and enroll in plans online or by phone, with professional guidance.
• Selection: Our relationships with national and regional carriers enables our licensed insurance agents to present you with a variety of plan or policy choices.

The Advantages of a Brokerage

Because we offer a wide variety of health and Final Expense plans, you might think we’re an insurance company — or even a government agency – but we’re not.

We’re actually an insurance brokerage, which means we don’t create Medicare or Final Expense plans. Instead, we represent a variety of carriers that offer multiple plan options — which is why we can offer you a broad selection of coverage options.

Medicare Basics

If you’re just looking for a Medicare plan, PlanEnroll can help you find the right one to fit your needs. But first, it helps to understand what it is. To that end, we’ve created a brief overview that explains:

1. What Medicare is
2. The types of Medicare — Medicare Part A, Medicare Part B, Medicare Part C (Medicare Advantage), Medicare Part D and Medigap
3. When you can enroll in Original Medicare and Medicare Advantage

To read more about Medicare basics, click here . Or to begin your Medicare journey, click here to connect with a licensed insurance agent today.

Final Expense Basics

In addition to Medicare plans, PlanEnroll also offers many Final Expense policies.

But what is Final Expense coverage?

Final Expense is a type of life insurance designed to cover the costs associated with a person’s funeral, burial and other end-of-life expenses. If you’re older, it can be a great way to lessen the financial burden on loved ones after your passing.

Compared to other types of life insurance, Final Expense policies offer a lower coverage amount because they’re focused only on relieving the burden of end-of-life expenses. They’re typically easier to qualify for and often requiring minimal or no medical underwriting. Also, a Final Expense policy cannot be canceled and coverage is guaranteed.

Most people over 50 can apply for a Final Expense policy. You will not be required to have a medical exam or grant access to your medical records. However, some policies do require that you answer some health questions. Because of the health questions, not everyone will qualify for a policy with coverage that begins on day one.

Policy premiums depend on your age and health. Where allowed by state law, they may also depend on your gender. Also, many Final Expense policies have an upper age limit of 85, which is higher than some traditional life insurance policies.

PlanEnroll can connect you with a licensed insurance agent who will help you search for, compare and select a policy that can be a good fit for you. To begin your search for Final Expense policies, click here.

Final Expense life insurance may not cover the entire cost of your funeral and may be used by the designated beneficiary for any purpose rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn’t require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. A policy owner does not have the ability to make unlimited payments into the policy. If too much is paid into the policy, it will become a Modified Endowment Contract (MEC) and withdrawals and loans will be taxable. Coverage may not be available in all states and may vary by state. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.

PlanEnroll is a brand operated by Integrity Marketing Group, LLC and used by its affiliated licensed insurance agencies that are certified to sell Medicare products. PlanEnroll is not endorsed by the Center for Medicare & Medicaid Services (CMS), the Department of Health and Human Services (DHHS), or any other government agency.