Question 1

Do you charge for consultations?

Accepted Answer

No. Consultations with Vidalegacy Insurance Group are provided at no cost to you.

Question 2

Can Vidalegacy help me with Medicare?

Accepted Answer

Yes. Medicare is our primary area of focus. We provide education and personalized guidance on Medicare, including Medicare Advantage, Medicare Supplement Insurance (Medigap), prescription drug coverage, and Medicare enrollment. We are an independent insurance agency and work with the insurance companies and plans with which we are contracted and appointed. We do not represent every Medicare plan or every insurance company available in your area. Medicare plan availability varies by service area, plan type, and contract.

Question 3

Do you offer plans from every insurance company?

Accepted Answer

No. As an independent insurance agency, we work with a selection of insurance companies and products. The companies and products available to us vary by type of insurance, location, and appointment. Our role is to help you understand the options available through the companies we represent and determine what may be appropriate for your circumstances. For Medicare, we do not represent every plan or every insurance company available in every service area.

Question 4

What can I expect during a consultation?

Accepted Answer

We start with your questions and take the time to understand your situation, priorities, and concerns. We'll explain the information relevant to your needs, answer your questions, and help you understand the next steps available to you. There is no pressure or obligation to purchase insurance.

Question 5

What areas do you serve?

Accepted Answer

Vidalegacy Insurance Group is based in Olympia, Washington, and serves clients in Washington, Oregon, Idaho, California and Texas. Washington is our primary market, with an active presence in the Puget Sound area. Medicare and Life Insurance, including Final Expense and Long-Term Care, are available in Washington, Oregon, Idaho, California and Texas. Individual and Family Health Insurance is available to clients in Washington State only. For our other insurance services, including Medicare, Life Insurance, Final Expense, Long-Term Care Insurance, Annuities & Rollovers, Travel Insurance, and Group & Employee Benefits, availability depends on the product, licensing, and applicable state or service-area requirements. If you're not sure whether we can help you where you live, contact us and we'll be happy to clarify.

Question 6

How do I schedule a consultation?

Accepted Answer

You can schedule a consultation directly through our website. Choose a time that works for you, provide the requested information, and we'll confirm the appointment. If you prefer to speak with us before scheduling, you can contact us directly.

Question 7

I'm turning 65. When should I apply for Medicare?

Accepted Answer

For most people, the Initial Enrollment Period for Medicare Part A and Part B is a 7-month period that begins 3 months before the month you turn 65, includes your birthday month, and ends 3 months after the month you turn 65. Your circumstances can affect when and how you should enroll. For example, people who have qualifying coverage through current employment may have a Special Enrollment Period. Because enrollment timing can affect coverage start dates and, in some circumstances, late enrollment penalties, it is important to understand your situation before deciding when to enroll. You can learn more about Medicare enrollment through Medicare.gov or schedule a consultation to discuss your questions. Educational information only. Enrollment rules and timing depend on individual circumstances.

Question 8

What should I bring to my Medicare consultation?

Accepted Answer

You don't need to have everything figured out before we talk. If you're reviewing Medicare, it can be helpful to have information about your current coverage, medications, doctors and providers, and any questions or concerns you already have. If you're turning 65, information about your employment and current health coverage may also be helpful. We'll let you know if additional information is needed based on your situation.

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