Which applies to you?
This tells us where you are with Medicare, so we start in the right place.
Keeping Employer Coverage
- If you have creditable coverage, you don't have to start Part B until you retire or lose benefits.
- Compare your total out-of-pocket exposure under your employer plan versus available Medicare options. We'll walk through the specifics during your appointment after your Scope of Appointment is signed.
- Talk with your HR — you may be able to keep your supplemental plans (dental, vision, life, etc.) while switching your health plan to Medicare.
- Compare your current monthly contributions against estimated Medicare premiums to see which path saves you money.
Losing your employer coverage
- You will need a letter from HR on business letterhead with your full name stating you are losing coverage on a specific date — Medicare will ask for it when you sign up for Part B.
- Once you sign up for Medicare, it takes about 3 weeks to get your card. At that point you will sign up for any supplemental plans.
- Sign up for Medicare and supplemental plans by the end of the month you are losing coverage for continuous coverage.
- Your Medicare and supplemental plans will take effect the 1st of the following month.
Retiring or losing coverage
- You will need a letter from HR on business letterhead with your full name stating you are losing coverage on a specific date.
- Once you sign up for Medicare, it takes about 3 weeks to get your card. At that point you will sign up for any supplemental plans.
- Sign up for Medicare and supplemental plans by the end of the month you are losing coverage for continuous coverage.
- Your Medicare and supplemental plans will take effect the 1st of the following month.
Additional Programs May Apply to Your Situation
Medicare requires a short Scope of Appointment form before we discuss specific plans. It opens right after you book.
Your current individual or family plan
Do not cancel your current individual/family plan until your Medicare plans are approved.
Once Medicare is active, we'll guide you through the cancellation so you're never without coverage.
Your next step is Medicare enrollment first
It looks like you may need to sign up for Medicare Parts A and B before moving forward with plan review.
What happens next
- 1Step 1: Sign up for Medicare using the instructions below, or provide your contact information and we will send the instructions to you.
- 2Step 2: If you provide your information, you will receive an email with Medicare enrollment instructions.
- 3Step 3: We will follow up with you in two weeks to check whether you have received your Medicare card.
- 4Step 4: Once you receive your Medicare card, you can schedule an appointment to review your Medicare options.
How Medicare sign-up works
Start your Medicare application at ssa.gov/medicare.
Here are the basic steps:
- Start your Medicare application.
- Choose the option that matches your situation.
- Complete the application.
- Save your confirmation details for your records.
Your card should arrive in about 3 weeks. Want a follow up? Leave your information above and we will follow up in 2 weeks….
Huhn Insurance Agency LLC is a licensed independent health insurance brokerage. We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. We are not connected with or endorsed by the U.S. government or the federal Medicare program. A Medicare consultation discussing plan-specific options will occur only after a Scope of Appointment is completed. Huhn Insurance Agency LLC is paid by the carrier for Medicare enrollments. The carrier pays our commission and it’s built into the premium. We only review plans from carriers with which we are contracted. Any non-Medicare consulting fees, if applicable, will be disclosed separately in writing before engagement.
Your Medicare Coverage Is on the Way
What happens next
Once your Medicare card arrives in the mail — or you receive your Medicare award letter — you will be ready for the next step.
If needed, you may be able to access your Medicare award letter through your online Social Security account.
Leave your contact information below, and we will follow up at the right time to check whether your card has arrived and help you schedule your Medicare review.
Huhn Insurance Agency LLC is a licensed independent health insurance brokerage. We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. We are not connected with or endorsed by the U.S. government or the federal Medicare program. A Medicare consultation discussing plan-specific options will occur only after a Scope of Appointment is completed. Huhn Insurance Agency LLC is paid by the carrier for Medicare enrollments. The carrier pays our commission and it’s built into the premium. We only review plans from carriers with which we are contracted. Any non-Medicare consulting fees, if applicable, will be disclosed separately in writing before engagement.
You're Ready for Your Medicare Review
To schedule your appointment, please complete the steps below.
What happens next
- 1Book your appointment. Use the button below to pick a time.
- 2Sign your Scope of Appointment, a short form Medicare requires. It opens right after you book. Use the same email you booked with.
- 3Check your email. If it asks you to confirm your signature, click the link.
What to have ready
Please have the following items available for your appointment:
Medicare compliance notice. Huhn Insurance is a licensed health insurance brokerage. We are not connected with or endorsed by the U.S. government or the federal Medicare program. No specific plan, carrier, or benefit will be discussed or recommended until a Scope of Appointment (SOA) form is signed. You’ll get the form right after you book. Broker compensation is paid by the carrier. Huhn Insurance does not charge you for the Medicare Consultation. Any future benefit consulting fees outside of Medicare are separately disclosed in writing before engagement. Huhn Insurance is contracted with the specific Medicare carriers reviewed in your consultation.
Your information goes to a licensed insurance agent for future contact.
Huhn Insurance Agency LLC is a licensed independent health insurance brokerage. We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. We are not connected with or endorsed by the U.S. government or the federal Medicare program. A Medicare consultation discussing plan-specific options will occur only after a Scope of Appointment is completed. Huhn Insurance Agency LLC is paid by the carrier for Medicare enrollments. The carrier pays our commission and it’s built into the premium. We only review plans from carriers with which we are contracted. Any non-Medicare consulting fees, if applicable, will be disclosed separately in writing before engagement.
Reach Out for Clarity
Brokerage & consent notice: Huhn Insurance is a licensed health insurance brokerage and is not affiliated with or endorsed by the U.S. government, Medicare, HealthCare.gov, or any federal or state Marketplace. This form is a general contact request only. It is not a Scope of Appointment, does not allow discussion of specific Medicare plans, carriers, or benefits, and does not serve as Marketplace enrollment consent under 45 C.F.R. § 155.220. Any required appointment or consent steps will be completed separately before your appointment. Eligibility, plan availability, and effective dates are reviewed individually.
Still not sure after these questions? We'll help you sort it out.
Reach Out for ClarityMarketplace Plans / Short Term Health Plans
Here's the quick difference — tell us which fits, and we'll take it from there.
Marketplace plan basics
Marketplace plans are major medical health plans available during Open Enrollment or through a Special Enrollment Period.
Open Enrollment dates for the Marketplace plans we help with:
- Wyoming, Montana, and Texas: Open Enrollment runs November 1 through January 15
- Idaho: Open Enrollment runs October 15 through December 15
If you are outside Open Enrollment and do not qualify for a Special Enrollment Period, a short-term health plan may be another option to consider.
Before you move forward
If you are not currently in Open Enrollment and do not qualify for a Special Enrollment Period, you may want to explore a short-term health plan.
Marketplace Plans
Short Term Health Plans
Still not sure after these questions? We'll help you sort it out.
Reach Out for ClarityDo any of these situations apply to you?
This is how we check if you can enroll now — pick the closest match. Certain life changes may let you enroll outside Open Enrollment.
Still not sure after these questions? We'll help you sort it out.
Reach Out for ClarityBefore Your Marketplace Appointment
What happens next
- 1Book your appointment. Use the button below to pick a time.
- 2Sign your consent form. It lets a licensed agent help with your Marketplace enrollment. It opens right after you book. Use the same email you booked with.
- 3Open the email that follows and click the link to finish signing.
What to have ready
Please have these items available:
- Special Enrollment Period documentation, if applicable. Examples may include a letter from your employer showing loss of coverage, a COBRA termination letter, or documentation of a new address.
- Your current insurance card, if you have one
- Your Social Security number
- Your current prescription drug list
- A list of your current doctors
Under-65 Coverage Notice
Huhn Insurance is a licensed health insurance brokerage. We are not endorsed by the U.S. government, HealthCare.gov, or any federal or state-based Marketplace.
Outside of Open Enrollment, you may be able to enroll in or change Marketplace coverage only if you qualify for a Special Enrollment Period (SEP). SEP availability and timing depend on the qualifying event and applicable Marketplace rules, and often involve a 60-day window before or after the event.
Eligibility, plan availability, and effective dates are reviewed individually during your appointment. We do not publish plan-specific details on this page.
Before Huhn Insurance assists with or facilitates a Marketplace application or enrollment on your behalf, you will be asked to provide documented consent describing the scope, purpose, and duration of that assistance, consistent with 45 C.F.R. § 155.220.
Huhn Insurance does not guarantee eligibility, approval, rates, plan availability, or effective dates.
Huhn Insurance is licensed in Wyoming, Idaho, Montana, Colorado, Texas, and California. Availability of services depends on applicable licensing, registration, and Marketplace rules.
Still not sure after these questions? We'll help you sort it out.
Reach Out for ClarityShort Term Health Plans
Pivot Plans
Allstate Plans
Still not sure after these questions? We'll help you sort it out.
Reach Out for ClarityReach Out for Clarity
Brokerage & consent notice: Huhn Insurance is a licensed health insurance brokerage and is not affiliated with or endorsed by the U.S. government, Medicare, HealthCare.gov, or any federal or state Marketplace. This form is a general contact request only. It is not a Scope of Appointment, does not allow discussion of specific Medicare plans, carriers, or benefits, and does not serve as Marketplace enrollment consent under 45 C.F.R. § 155.220. Any required appointment or consent steps will be completed separately before your appointment. Eligibility, plan availability, and effective dates are reviewed individually.
Things to consider for employer coverage
A quick look at how group coverage works, so nothing's a surprise before we meet.
Options for groups with as few as two W-2 employees from different households, up to 100+ employees. 1099 contractors may also be eligible.
You can choose any time of year to start your employee benefits — there is no set enrollment window for employer groups.
Some plan options allow deductible carryover for your employees if you're making a change before your current renewal period.
Choose medical-only or build customized benefit packages that include dental, vision, life, and more.
Full-time employees working 30 or more hours per week are eligible for employer-sponsored coverage.
Timing
For a smooth transition, most carriers ask for enrollment and onboarding to be completed by the 10th of the month prior to your coverage start date. Coverage typically starts the 1st of the following month. Plan on about 1.5 months from your initial appointment to completion.
What to expect
At your initial intake appointment, we'll get to know your business needs to build customized benefit strategies for your team.
What to have available:
- Updated employee census pulled from your most recent payroll, including spouses and dependents who want coverage
- Physical and mailing address of the company
- Contact person to discuss plan benefits
Still not sure after these questions? We'll help you sort it out.
Reach Out for ClarityReach Out for Clarity
Brokerage & consent notice: Huhn Insurance is a licensed health insurance brokerage and is not affiliated with or endorsed by the U.S. government, Medicare, HealthCare.gov, or any federal or state Marketplace. This form is a general contact request only. It is not a Scope of Appointment, does not allow discussion of specific Medicare plans, carriers, or benefits, and does not serve as Marketplace enrollment consent under 45 C.F.R. § 155.220. Any required appointment or consent steps will be completed separately before your appointment. Eligibility, plan availability, and effective dates are reviewed individually.
Looking for Supplemental Coverage?
Which product are you interested in? Pick what you're after — we'll show what to know and set up your appointment.
Accident
Helps cover unexpected costs after a covered accident.
Schedule Accident Appointment →Critical Illness
Extra financial support after a covered serious diagnosis.
Schedule Critical Illness Appointment →Hospital Indemnity
Helps with expenses during a covered hospital stay.
Schedule Hospital Indemnity Appointment →Cancer Insurance
Helps manage costs tied to a covered cancer diagnosis.
Schedule Cancer Insurance Appointment →Life Insurance
Protect the people you love with financial support for the future.
Schedule Life Insurance Appointment →Short Term Disability
Helps replace income during a temporary covered disability.
Schedule Short Term Disability Appointment →Long Term Disability
Helps protect your income during a longer covered disability.
Schedule Long Term Disability Appointment →Accidental Death & Dismemberment
Extra protection for covered accidental injury or loss.
Schedule Accidental Death & Dismemberment Appointment →Things to consider before signing up for dental…
Existing dental plan
If you currently have a dental plan, there are plans that will waive waiting periods.
Waiting periods
Most plans will have a waiting period — usually 3 months for basic and 6 months for major procedures. We also have plans with no waiting periods, however they may pay less.
Current dentist & network
If you love your current dentist, ask them what insurance carriers they are contracted with to be “in network” participating providers. We’ll go over those options at your appointment.
Enrollment timing
You can sign up for dental plans any time of the year.
Signing up for Dental…
What to expect
We work with multiple carriers. However, if you already know you want a Delta Dental plan and want to enroll yourself, you can click the self-enroll link below.
If you would like to look at other options or schedule an appointment, you can do so below.
What to have available for your appointment
- Current dental insurance card (if you have one)
- General information — SS# etc.
- Bank account information
If you are keeping your current dentist, have a current list of insurance carriers your dentist is contracted with.
Things to consider before signing up for vision…
Enrollment timing
You can sign up for vision plans any time of the year.
Current optometrist & network
If you love your current optometrist, ask them what insurance carriers they are contracted with to be “in network” participating providers. We’ll go over those options at your appointment.
Signing up for Vision…
What to expect
We work with multiple carriers. However, if you already know you want a VSP plan and want to enroll yourself, you can click the self-enroll link below.
If you would like to look at other options or schedule an appointment, you can do so below.
What to have available for your appointment
- Current vision insurance card (if you have one)
- General information — SS# etc.
- Bank account information
If you are keeping your current optometrist, have a current list of insurance carriers your optometrist is contracted with.
Things to consider before signing up for dental bundles…
Existing dental plan
If you currently have a dental plan, there are plans that will waive waiting periods.
Waiting periods
Most plans will have a waiting period — usually 3 months for basic and 6 months for major procedures. We also have plans with no waiting periods, however they may pay less.
Current dentist or optometrist & network
If you love your current dentist or optometrist, ask them what insurance carriers they are contracted with to be “in network” participating providers. We’ll go over those options at your appointment.
Enrollment timing
You can sign up for dental and vision plans any time of the year.
Signing up for Dental Bundles…
What to expect
We work with multiple carriers. However, if you already know you want a bundled plan and want to enroll yourself, you can click the self-enroll link below.
If you would like to look at other options or schedule an appointment, you can do so below.
What to have available for your appointment
- Current insurance cards for dental/vision/hearing (if you have one)
- General information — SS# etc.
- Bank account information
If you are keeping your current dentist or optometrist, have a current list of insurance carriers your provider is contracted with.
Signing up for Short Term Home Health…
What to have available for your appointment
- Current prescription RX insurance card (if you have one)
- General information — SS# etc.
- Bank account information
- A list of your current prescriptions
Still not sure after these questions? We'll help you sort it out.
Reach Out for ClarityReach Out for Clarity
Brokerage & consent notice: Huhn Insurance is a licensed health insurance brokerage and is not affiliated with or endorsed by the U.S. government, Medicare, HealthCare.gov, or any federal or state Marketplace. This form is a general contact request only. It is not a Scope of Appointment, does not allow discussion of specific Medicare plans, carriers, or benefits, and does not serve as Marketplace enrollment consent under 45 C.F.R. § 155.220. Any required appointment or consent steps will be completed separately before your appointment. Eligibility, plan availability, and effective dates are reviewed individually.