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We are Annually Certified Independent Medicare Insurance Brokers - Specializing in: 

Medicare Supplement Plans– Medicare Advantage Prescription Drug Plans 
                                  Medicare Medicaid Coordination of Benefits                                    Medicare Stand-Alone Prescription Drug Plans - Medicare Special Needs Plans 


With becomming Medicare Insurance eligible or turning 65... comes the complexities of understanding original Medicare Parts A (Hospital)  & Medicare Part B (Medical) benefits, enrollment periods, late enrollment penalties, along with gaining a better understanding of the extended  supplemental benefits which are optional…regarding the numerous Part C & Part D options available in the industry today.


As you may know, Medicare has multiple dates, several enrollment periods to be aware of, in addition to several late enrollment penalties to avoid:


Initial Enrollment:

An Initial Enrollment Period (IEP) is a 7-month period that begins three months before your 65th birthday, your birthday month and three months after, or,in the case of a disability, Medicare eligibility begins three months before your 24th month of receiving disability payments. It includes the 3 months before, the month of, and the 3 months after to be eligible for your Medicare Parrt A & Part B Insurance Card. 

Annual Enrollment:

This is the time of the year, from October 15th - December 7th that allows you change your Medicare Advantage and Prescription Drug plan without a penalty. Changes made during this period are effective January 1st of the following year

Part B- Late Enrollment Penalty:

 Is a lifetime penalty that is attached to your Part B monthly premium. Your Part B late enrollment penalty is based on a (10%) calculation that considers the number of full to 12-month periods you could have enrolled in Medicare Part B but did not when you were initailly eligible or did not enroll in Medicare Part B before the designated deadline expired.  

Part D- (Prescription Coverage) Late Enrollment Penalty

The late enrollment penalty (if applicable)  is a calculated percentage amount that's permanently added to your Medicare drug coverage (Part D) premium.

With so many annual changes taking place with Medicare Supplements,(Medi-Gap), Medicare Advantage Prescripiton Drug (MAPD'S), and Prescription Drug (PDP) benefits,along with Medi-Cal (Share of Cost) options; rest assured that our Delington Financial and Insurance Services- Medicare Insurance Brokers and Medi-Cal (Share of Cost) Specialist will have the knowledge to address your concerns and questions, along with the  experience, and  resources,to help you compare your options while giving you the freedom to choose. 


At Delington Financial and Insurance Services, our annually trained and certified Medicare Insurance Brokers, specialize in identifying and providing sustainable solutions for Medicare- insurance and  Medi-Cal (Share of Cost) eligible members.   

By utilizing an efficient (Free) consultation, along with an effective educational approach, we'll help eligible Medicare Insurance, Medicare Supplement, MAPD, and Medi-Cal (Share of Cost) members gain a better understanding of the numerous Medicare Insurance, options available in the industry today, while guiding  you on Medicare's enrollment periods, late enrollment penalties and how  Medicare Supplements, Medicare Advantage and Prescription Drug Plans work with Original Medicare Part A & B and Medi-Cal (Share of Cost) plans,with successful measures. 

The best part is there is

NO COST TO YOU, as we are hired and compensated by the insurance companies to guide and support you. 



No Paperwork. No Confusion. No Stress.

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