Frequently Asked Questions
Topics
About Mere
Why should I work with Mere?
Mere provides personalized assistance and clear guidance to help you understand your insurance and retirement options. The goal is to simplify the process, avoid unnecessary coverage gaps or costs, and tailor solutions that fit your individual needs.
How can Mere help me find the right health insurance plan?
The team takes time to assess your healthcare needs, budget, and preferences to recommend plans that make sense for you. Whether you're exploring Marketplace options or private coverage, Mere ensures you're well-informed every step of the way.
How do I schedule a consultation?
You can book a consultation directly through the website, call the office at (904) 654-5450, or use the appointment links provided below:
- Medicare (https://host.safemsngr.com/widget/groups/mere)
- ACA/Marketplace (https://host.safemsngr.com/widget/groups/acamereappt)
What types of health insurance plans are available through Mere?
Mere offers access to a range of plans including HMOs, PPOs, EPOs, and POS options. You'll receive help comparing the benefits and limitations of each plan so you can confidently choose the one that aligns with your healthcare needs and financial goals.
Can Mere assist with Medicare and Medicaid plans?
Yes, Mere offers guidance on eligibility, enrollment, and navigating both Medicare and Medicaid programs. The team can also help with understanding dual eligibility and coordinating benefits across different programs.
Does Mere help with retirement planning too?
Yes. Mere offers Social Security optimization and retirement planning services. With a Registered Social Security Analyst (RSSA®) on the team, you’ll get expert help maximizing your benefits and creating a financial plan for retirement.
Can I still get coverage if I have a pre-existing condition?
Absolutely. The team will walk you through health plans that cover pre-existing conditions and help you access care without delay or denial based on your medical history.
What types of services do you offer?
We specialize in Medicare, Marketplace Health Plans, Employer Group Benefits, Life Insurance, Social Security Optimization, and more.
Who do you typically work with?
We work with individuals, families, retirees, entrepreneurs, and small business owners who want trusted, personalized guidance for their health and financial future.
How are you compensated for your services?
We understand that transparency is crucial. Here's how our compensation works:
No Direct Cost to You: Our services are provided at no additional cost.
Insurance Company Compensation: When you enroll in a health plan through us, the insurance company pays us a commission.
Standardized Rates: For Medicare Advantage and Part D plans, these commissions are standardized and regulated by the government.
No Impact on Your Premium: Your premium remains the same whether you enroll through us or directly with the insurer.Our goal is to provide you with unbiased, personalized guidance to help you make informed decisions about your health coverage.
Group Benefits
What are group benefits and why are they important for businesses?
Group benefits are insurance and perks offered by employers to their teams, essential for attracting talent, boosting morale, and improving productivity. Mere can help your business design a competitive group benefits package that meets your team's needs and fits your budget, demonstrating your commitment to your employees' well-being.
How do group benefits contribute to employee retention and recruitment?
A strong benefits package signals that an employer values their team, making the company more attractive to prospective employees and encouraging current staff to stay. Mere specializes in creating tailored benefits solutions that highlight your investment in your employees, helping you attract and retain top talent.
What types of coverage are typically included in a group benefits package?
Common coverages include health, dental, vision, life, and disability insurance, plus retirement plans. Mere guides you through selecting the right mix of benefits, ensuring your package addresses your employees' priorities while aligning with your business objectives.
Can small businesses afford to offer group benefits?
Yes, with strategic planning and the right partner, small businesses can provide affordable benefits. Mere works with you to leverage group purchasing power and select cost-effective plans that fit your small business's budget, ensuring you can offer valuable benefits to your team.
How do employers decide which group benefits to offer?
Deciding on benefits involves assessing your team's needs, budget, and industry standards. Mere assists by analyzing your specific situation, offering insights into the most valued and cost-effective benefits, ensuring your package meets both employee needs and your business goals.
How many employees do I generally need to offer group benefits?
Generally, businesses need a minimum of five W-2 employees to qualify for group benefits. Mere can help navigate the options available for your size business, ensuring you can provide competitive benefits packages even with a small team.
Are employers required to offer group benefits to all employees?
While not all benefits are mandated, certain regulations require businesses to offer specific types like health insurance, depending on the size of the company. Mere can help you understand your obligations and create a compliant, comprehensive benefits package that suits your business and your employees.
How do tax implications affect group benefits for employers and employees?
Group benefits can offer tax advantages, with employers often able to deduct costs and employees receiving benefits tax-free. Mere can advise on the tax benefits of different group benefits plans, helping you maximize tax advantages for your business and your employees.
What is the difference between fully-insured and self-insured group benefits plans?
Fully-insured plans involve paying premiums to an insurer, while self-insured plans mean the employer assumes the risk of covering costs. Mere can help you weigh the pros and cons of each option, guiding you to the best decision for your business's financial and operational needs.
What role do wellness programs play in group benefits?
Wellness programs improve employee health and can reduce healthcare costs. Mere supports the integration of wellness programs into your benefits package, enhancing employee satisfaction and potentially lowering insurance premiums through improved team health.
Why Connect with Mere?
At Mere, we understand the challenges that businesses face when trying to provide competitive benefits to their teams while staying within budget. We've helped business owners just like you navigate the complexities of group insurance, tailoring plans that fit the unique needs of their employees.
When you connect with Mere, you're choosing a partner that:
Listens to your goals and challenges.
Provides tailored group benefit solutions that help your business thrive.
Takes the guesswork out of compliance and plan selection.
With our expertise and commitment to simplicity, we make group benefits work for you and your team. Let's build a foundation of health and wealth for your business
How Much Does It Cost to Work with Mere?
Unlike many insurance agencies, Mere does not charge an administrative fee. We are compensated through a commission paid by the insurance carrier(s) that your group chooses to work with once enrolled.
This means there’s no additional cost to you—our compensation does not affect the premiums of the plans you select. You get expert guidance and personalized service at no extra expense to your business.
I’ve Been Working with Another Insurance Agent/Agency. How Can I Work with Mere Instead?
We would love the opportunity to earn your trust and partnership by helping you and your team with their benefits. Depending on your current plan options, there may be opportunities for Mere to take over as your Agent of Record (AOR) without disrupting your current benefit offerings.
As part of the transition, we’ll conduct a comprehensive analysis of your existing group benefits to ensure they align with your team’s needs and your business goals moving forward. Our goal is to simplify the process, provide expert guidance, and make sure you have the best solutions in place
Medicare
Do you offer Medicare 101 trainings or seminars?
Yes! We regularly host free Medicare 101 webinars and in-person seminars to help you understand your options and get your questions answered.
Check out our Events Page to find an upcoming webinar or seminar near you — and reserve your spot!
What is Medicare and who qualifies for it?
Medicare is a federal health insurance program for people 65 and older, certain younger individuals with disabilities, and those with End-Stage Renal Disease (ESRD). Eligibility typically starts at age 65 based on your work history or your spouse’s.
What are the different parts of Medicare?
Medicare includes:
Part A (hospital coverage)
Part B (medical coverage)
Part C (Medicare Advantage plans that bundle A, B, and often D)
Part D (prescription drug coverage — Learn more about Part D plans here)
Do I have to sign up for Medicare, or is it automatic?
If you are already receiving Social Security benefits, you'll usually be enrolled automatically in Part A and Part B. Otherwise, you need to enroll during your Initial Enrollment Period. If you plan to add prescription coverage, be sure to explore Part D options here.
When should I enroll in Medicare?
Most people should enroll during their Initial Enrollment Period — a 7-month window surrounding your 65th birthday.
If you need additional protection beyond Original Medicare, you can learn about Medicare Supplement plans here.
What's the difference between Original Medicare and Medicare Advantage?
Original Medicare (Part A and B) allows you to see any doctor who accepts Medicare nationwide.
Medicare Advantage (Part C) is offered by private companies and often includes extras like dental, vision, or gym memberships. Learn more about Medicare Advantage plans here.
Do I need a Medicare Supplement (Medigap) plan?
Medicare Supplement plans help cover costs like copays, coinsurance, and deductibles that Original Medicare doesn't pay for.
If you want predictable out-of-pocket costs and nationwide provider access, read about Medicare Supplement options here.
Can I change my Medicare plan later?
Yes! You can:
Review your coverage annually during the Annual Enrollment Period (October 15–December 7)
Qualify for a Special Enrollment Period after certain life events You can update your Part D, Medicare Supplement, or Medicare Advantage coverage based on your needs.
How do I avoid late enrollment penalties?
Enroll in Part B and Part D when you first become eligible unless you have qualifying employer coverage.
If you skip Part D coverage and don't have creditable drug coverage, you could face a lifelong penalty — Learn more about Part D here.
What if I’m still working past 65?
You might be able to delay Part B and Part D without penalty if your employer coverage qualifies. It's important to understand how that impacts future enrollment in Medicare Supplement or Medicare Advantage plans.
How can Mere help me with Medicare?
Our licensed team helps you:
Understand your choices
Compare different plan types
Stay updated year after year We work with most major insurance companies and help you find the Medicare coverage that best fits your needs — at no cost to you.
What is a Certified Medicare Insurance Planner® (CMIP®) — and why does it matter?
A Certified Medicare Insurance Planner® (CMIP®) has completed advanced, specialized training in Medicare planning and solutions. This certification goes beyond basic licensing, equipping advisors to guide clients with greater expertise, strategy, and care. Choosing a CMIP® ensures you’re working with someone who deeply understands how Medicare fits into your overall retirement and healthcare planning.
Why should I work with Mere for my Medicare coverage?
At Mere, we believe Medicare should be simple, not overwhelming.
Our team is licensed, certified, and continuously trained to stay ahead of changes in Medicare.
We focus on listening first — helping you find the coverage that fits your unique needs.
We offer ongoing support year after year, not just at enrollment.
We work with most major insurance carriers and advocate for your best interest — not just one company’s plan. Our mission is simple: Helping you make informed, confident choices. (And there’s no cost to you for our services!)
What are the pros and cons of Medicare Advantage plans?
Medicare Advantage plans offer bundled coverage (hospital, medical, and usually prescriptions) and often include extra benefits like dental and vision. But they also come with trade-offs like limited networks and potential for higher out-of-pocket costs.
Health Insurance
Why Connect with Mere?
At Mere, we understand that navigating health insurance can feel overwhelming. Whether you're exploring ACA Marketplace plans, private PPO options tailored for the self-employed, or faith-based Medi-Share solutions, we are here to simplify the process and guide you every step of the way.
Think of us as your health insurance compass—helping you find the right path to affordable, reliable coverage that fits your unique needs. Our team doesn’t just match you with a plan; we take the time to listen, educate, and empower you to make informed decisions for yourself and your family.
When you work with Mere, you gain more than just a plan—you gain a partner. We’ve helped thousands of individuals, families, and business owners build stronger foundations with the right coverage, and we’re excited to help you do the same. Let us take the complexity out of health insurance, so you can focus on what matters most.
How Much Does It Cost to Work with Mere?
Working with Mere doesn’t cost you a dime. Our services, including application assistance and ongoing support, are completely free to you. We’re compensated by the insurance carriers when we help you enroll in a plan and remain your Agent of Record (AOR).
Think of our relationship as a partnership for the long haul—kind of like a marriage, "until death do us part." Life changes, and so do your health insurance needs. Whether you transition from Marketplace coverage to group benefits, explore private PPO options, or eventually move onto Medicare, we’ll be here to guide you through every step of the journey.
With Mere, you’re not just getting help with health insurance—you’re gaining a trusted advisor who’s committed to your well-being, no matter where life takes you.
I’ve Been Working with Another Insurance Agent/Agency. How Can I Work with Mere Instead?
If you’re currently working with another insurance agent or agency, the first step is to schedule a consultation with Mere. During this meeting, we’ll review your current coverage to determine if it’s the best fit for your needs. If we identify opportunities for improvement or areas where we can better support you, we’ll discuss the next steps.
Depending on the type of insurance you have, the process to work with us may vary. For some plans, we can help you switch your Agent of Record (AOR) right away. For others, we may need to wait until an enrollment period to make changes. Regardless of the timing, our goal is to provide expert guidance and ensure you’re in the best possible position for your unique situation.
At Mere, we’re here to simplify the complexities of health insurance and provide ongoing support as your needs evolve. Let’s explore how we can make your health insurance work better for you.
#simplyforyourbenefit
When Can I Enroll in Health Insurance?
Health insurance enrollment depends on the type of plan you’re seeking. Here’s a breakdown to help you understand your options:
Marketplace (ACA) Open Enrollment Period (OEP)
The Marketplace Open Enrollment Period runs annually from November 1 through January 15. During this time, anyone can apply for or make changes to a Marketplace health insurance plan.
Coverage Start Dates:
-Apply November 1 – December 15: Coverage begins January 1.
-Apply December 16 – January 15: Coverage begins February 1.
Special Enrollment Period (SEP)
A Special Enrollment Period allows you to enroll outside of the OEP if you experience a qualifying life event. Common examples of SEP triggers include:
Loss of coverage (e.g., losing employer-sponsored insurance, Medicaid, or CHIP).
Marriage or divorce.
Birth or adoption of a child.
Moving to a new area where different plans are available.
Change in household income that affects subsidy eligibility.
Timeframe to Apply:
You typically have 60 days from the date of the qualifying life event to enroll in a plan.
Coverage Start Dates:
Plans generally begin on the first of the month following your application and plan selection. For example, if you enroll on March 10, your coverage starts April 1.
Exceptions: Some events, like the birth of a child, provide immediate coverage starting on the date of the event.
Other Health Insurance Products
Some products, like private PPO plans for the self-employed or Medi-Share, are available year-round. However:
Many of these require qualification (e.g., income or health criteria).
Some may have exclusions for pre-existing conditions or waiting before full benefits apply.
These options can be a great solution if you don’t qualify for a SEP or need alternatives outside of the Marketplace.
My Employer Pays for Health Insurance for Me, but the Family Coverage is Unaffordable. Are There Options for My Family Outside of My Employer?
Absolutely! If your employer-sponsored health insurance only covers you and the family coverage is unaffordable, there are several options available:
1.Marketplace Coverage with Subsidies:
Depending on the specifics of your employer's group health plan and household income, your family may qualify for a subsidy (financial assistance) through the ACA Marketplace. This can make family coverage much more affordable.2. Alternative Plans:
We can explore private PPO options, Medi-Share, or other alternatives that might provide the coverage your family needs at a lower cost than your group options.
At Mere, we specialize in finding creative and tailored health insurance solutions for individuals and families. Schedule a discovery consultation with us to review your situation and identify the best path forward. Together, we’ll simplify the process and find coverage that meets your family’s needs.
Social Security
Where can I find information about the recently passed Senate HR Bill 82 repealing WEP and GPO effective January 1, 2024?
You can find detailed information about the repeal of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) under Senate HR Bill 82, which takes effect on January 1, 2024, by visiting the official legislative summary here. This resource provides the most up-to-date details and implications of the legislation.
Why should I work with an RSSA like you instead of just asking a Social Security representative?
While Social Security representatives can provide factual information about your benefits, they are legally prohibited from offering advice or making recommendations tailored to your unique financial situation. As an RSSA, I am trained to analyze your Social Security options and provide personalized strategies to maximize your benefits. My expertise ensures you make informed decisions that align with your overall retirement goals.
How much do your RSSA services cost?
My services are designed to be affordable and deliver exceptional value for your Social Security planning needs. You can find a detailed list of my services and pricing by clicking here. If you have specific questions about my offerings, please feel free to contact my office.
Do you provide any seminars where I can learn more about Social Security?
Yes, I offer both in-person seminars and virtual webinars to help individuals better understand Social Security and maximize their benefits. These events are tailored to provide practical insights and strategies for your retirement planning. Be sure to check out our Event Page for details on upcoming sessions and registration information.
What is an RSSA® and how can they help with Social Security planning?
An RSSA® (Registered Social Security Analyst®) is trained to evaluate your specific situation and provide customized strategies to help you maximize your Social Security benefits. We go beyond basic information — we show you the smartest claiming strategies based on your goals, health, income, and family situation.
Why should I work with an RSSA like you instead of just asking a Social Security representative?
While Social Security representatives can provide factual information about your benefits, they are legally prohibited from offering advice or personalized recommendations. As an RSSA®, I am trained to analyze your unique situation and guide you toward the filing strategies that are in your best financial interest.
When should I start planning my Social Security strategy?
Ideally, you should begin planning at least 5–10 years before you intend to claim benefits. Early planning gives you more options and can help you avoid costly mistakes. However, even if you're at or near claiming age, it’s never too late to make smarter decisions.
Will you tell me exactly when and how to file for Social Security?
Yes. After analyzing your personal circumstances, I will provide a clear, customized filing recommendation designed to maximize your Social Security benefits.
Can you help if I’ve already started receiving Social Security benefits?
Yes. Even if you’ve already filed, there may still be ways to optimize your benefits — especially if you're navigating spousal, survivor, or disability benefits. Every situation is unique, and reviewing your options could still make a meaningful difference.
Other Services
Why does Mere Benefits offer additional services beyond health insurance?
We believe true peace of mind covers more than just medical bills. Our additional services are designed to support your overall well-being—protecting your health, finances, pets, travel plans, and more.
What is GeoBlue Travel Insurance and how does it work?
GeoBlue offers international travel medical insurance to protect you if you experience an illness or injury while abroad. It’s ideal for vacationers, business travelers, and students. You can get a quote and enroll directly through our link — and if you have questions about coverage before traveling, we’re here to help.
What is Pin Paws Pet Insurance?
Pin Paws offers pet protection plans to help cover unexpected veterinary costs, locate lost pets, and even provide access to pet health resources. You can explore coverage options and enroll easily through our link. If you need guidance on choosing the right plan for your furry family member, let us know.
Do I need to be a Mere Benefits client to access these services?
No! These services are available to anyone who needs additional protection or convenience. You can choose what fits your needs best.
How do I know which additional services are right for me?
We’re happy to help. Simply reach out to our team if you’d like personalized guidance on what services might be a good fit for your lifestyle or goals.
Are there any hidden fees or extra costs?
We believe in being transparent. Some services may have a one-time or monthly cost, but everything will be clearly explained before you enroll—no surprises.
Can I bundle these services with my health, Medicare, or group insurance?
Yes! Many of these services complement your existing insurance plans to offer even greater protection. We’ll help you understand how to integrate them if it makes sense for your situation.
Dental Vision Hearing
What types of dental plans do you offer?
We offer a variety of dental plans, including traditional dental insurance and dental indemnity plans. Some focus on preventive care and basic services, while others cover major work like crowns, dentures, or implants. We’ll help you choose a plan that fits your needs and budget.
Do you offer vision coverage too?
Yes! We offer both dental plans with optional vision benefits and stand-alone vision plans. You can get coverage for eye exams, glasses, contacts, and even discounts on procedures like LASIK, depending on the plan you choose.
What’s the difference between dental insurance and a dental indemnity plan?
Traditional dental insurance typically works within a network and helps cover part of your dental costs after copays and deductibles.
A dental indemnity plan, like the one our founder Kate personally carries for her family, pays you a set cash amount based on the services you receive — regardless of the dentist you choose. This flexibility can be a smart choice if you want more freedom or have lower dental needs but still want help covering costs.
How much does dental insurance cost?
Dental insurance costs can vary depending on the type of coverage you choose, your location, and your family size. Basic preventive plans can start as low as $10–$20 per month, while more comprehensive coverage may cost more. We'll review all options so you can find the right fit.
Can I keep my current dentist or eye doctor?
It depends on the plan you select. Some plans allow you to see any provider, while others work best if you stay within their network. If keeping your provider is important to you, just let us know — we'll make sure we find a plan that works.
What dental services are covered?
Coverage varies by plan, but many dental insurance policies help with:
Routine cleanings and exams
X-rays
Fillings
Root canals
Crowns and bridges
DenturesOrthodontics (sometimes with waiting periods)
We’ll walk you through the specifics so there are no surprises.
Is there a waiting period for dental or vision coverage?
Some dental plans may have waiting periods for major services like crowns or root canals. However, many preventive services like cleanings and exams are covered right away. Vision coverage typically starts without a waiting period. We'll show you the timing based on the plan you choose.
How soon can my dental or vision plan start?
Many plans can start as soon as the first of next month. If you have urgent needs, let’s talk — some indemnity plans and discount programs can offer faster help.
What is the Allstate Dental Indemnity Plan?
The Allstate Dental Indemnity Plan is a flexible, cash-based dental plan that pays you for covered services directly — even if you use an out-of-network dentist. Kate, our founder, carries this plan personally for her family and has received thousands of dollars in cash benefits over the years. It’s a smart option if you want flexibility and fast reimbursement. Quote and Enroll Now
Who should consider a dental indemnity plan over traditional insurance?
Dental indemnity plans are great if:
You don’t need a lot of dental work but want help with costs.
You want to choose any dentist without network restrictions.
You prefer a plan that pays you cash benefits to use as you need.
If you’re unsure which type of plan is best, we’ll help you compare your options.
Can I bundle dental and vision insurance together?
Yes! Many plans offer bundled discounts when you combine dental and vision coverage. We'll help you explore ways to save money and simplify your coverage.
What if I already have dental or vision through work?
Even if you have employer coverage, a supplemental dental indemnity plan can provide extra protection. It can help cover costs that your regular insurance doesn't pay — like deductibles, copays, and out-of-network services.
How do I get a quote for dental and vision coverage?
You can request a quote directly through our website or schedule a quick call with our team. We'll help you compare options and find the coverage that makes the most sense for your needs.
Estate Planning
What is the difference between a will and a trust?
A will is a legal document that outlines your wishes for the distribution of your property after you pass away. A trust is a legal entity that holds assets for your beneficiaries, allowing them to avoid probate and providing greater control over the distribution of your estate.
Why should I create a trust instead of a will?
A trust helps your beneficiaries avoid the probate process, which can be costly and time-consuming. It also provides more privacy and flexibility in the distribution of your estate.
How do I fund my trust?
Funding your trust involves transferring ownership of assets (like real estate, bank accounts, and investments) into the name of the trust. We’ll guide you through the process to ensure everything is correctly transferred.
What happens if I don’t have an estate plan?
Without an estate plan, your assets will be distributed according to state laws, which may not align with your wishes. You may also avoid probate complications and unnecessary taxes.
Can I update my estate plan later?
Yes! You can update your estate plan whenever your circumstances change—whether it's marriage, divorce, the birth of children, or financial changes.
How long does the estate planning process take?
It typically takes a few weeks to a few months, depending on the complexity of your plan. We’ll work efficiently to ensure your plan is created as smoothly as possible.
How much does estate planning cost?
Costs vary depending on the path you choose. Our options range from working with local attorneys to our affordable Legal Shield plan. We’ll help you find the right fit for your needs and budget.
Life Insurance
What if my health isn’t great anymore? Can I still get life insurance?
Yes. We work with carriers that offer no-exam and guaranteed-issue policies. Even if you’ve been declined before, don’t give up. Let us help.
How much does life insurance cost?
It depends on your age, health, and what you’re trying to accomplish. Whether you’re protecting income, covering a stay-at-home parent’s contribution, or planning for burial—we help find a policy that fits your budget.
Do stay-at-home parents need life insurance too?
Absolutely. Replacing caregiving, home management, and emotional support can cost thousands per month. Life insurance helps preserve stability for your family.
Is life insurance just for funeral costs?
Not at all. While Final Expense covers that need well, other plans can also help pay off debt, replace income, fund education, or build wealth.
Why should I talk to you if I already have life insurance?
Because over 70% of people we review are in the wrong plan—either overpaying, under-covered, or outdated. A review is quick and could save you a lot.
Do I need a medical exam to qualify?
Not always. Many plans are available with just a simple health questionnaire, and some don’t ask medical questions at all.
Can life insurance help me while I’m still alive?
Yes! Some plans offer living benefits that provide a payout if you’re diagnosed with a critical or chronic illness. Others grow cash value you can access for emergencies or retirement.
How long does it take to get coverage?
Some policies approve in as little as 24 hours. Others may take a week or two depending on type and health status. The key is to start the process now while options are open.
What’s the first step?
Let’s talk. There’s no pressure, just real information and clear next steps. You don’t have to figure it out alone.
Notary
How do I pay?
Payment can be made by credit card at the time of notarization. Cash or checks are not accepted.
Why do other notaries charge more than $10?
Great question! In Florida, the maximum fee allowed by law for a standard notarial act is $10. However, many notaries charge more because they offer mobile notary services, meaning they travel to meet the client.
While the notarial act itself is still limited to $10, travel fees are not regulated—so they can charge an additional $25, $50, or more depending on the distance and time.
At Mere, We do not offer mobile notary services, so you’ll never pay those extra travel fees. In fact, if you’re an active health insurance client, you receive up to 8 standard notarizations per year at no cost. It’s just one more way we simplify your life and bring value to your relationship with us.
Where are notary services provided?
We do not provide mobile notary services. All appointments must be scheduled and completed at my office.
What documents can you notarize?
We can notarize most legal, financial, and business documents. Examples include affidavits, real estate documents, and Power of Attorney forms. If you’re unsure, contact me for clarification
What if I’m an active client with a policy at Mere?
If you are an active health insurance client, you receive up to 8 complimentary notarial stamps per year for standard notarial acts. This does not include solemnizing marriage ceremonies.
Can you provide witnesses for my notarization?
No, we do not provide witnesses. You are responsible for bringing any required witnesses, and they must bring valid, government-issued photo IDs.
What happens if I forget my ID?
A valid, government-issued photo ID is required for all notarizations. Without it, the notarization cannot be completed, and you will need to reschedule.
Cancer, Heart Attack, And Stroke
What does this insurance actually cover?
It pays a one-time, tax-free lump sum directly to you if you’re diagnosed with cancer, have a heart attack, or experience a stroke. The money is yours to use however you need.
Can I use the benefit to pay for things outside of medical care?
Yes! This coverage is designed to give you financial flexibility. Use the benefit for travel, rent/mortgage, child care, groceries—whatever helps you stay afloat during treatment and recovery.
What if I’ve had cancer or a heart condition in the past?
You may still qualify depending on your specific history and how long ago it occurred. Reach out to our team so we can review your options together. Does this replace my regular health insurance? No, it works with your health insurance to cover expenses that may not be fully reimbursed—like deductibles, coinsurance, or non-medical costs that still impact your life.
How much coverage do I need?
There’s no one-size-fits-all answer. We’ll walk you through the options based on your income, financial responsibilities, and family situation to determine the best fit.
Is this expensive?
Most people are surprised at how affordable it is—especially for the amount of peace of mind it provides. Monthly premiums vary by age, health, and coverage level, but we can show you several budget-friendly options.
Is the payout guaranteed?
If your diagnosis meets the plan’s criteria, yes. There are no restrictions on how you use the funds and no need to submit receipts.
Hospital Indemnity
What is Hospital Indemnity Insurance?
Hospital Indemnity Insurance is a type of supplemental insurance that pays you a fixed cash amount when you’re admitted to the hospital. This money is paid directly to you and can be used for anything—not just medical bills.
How is this different from my regular health insurance?
Health insurance pays your medical providers and often leaves you with out-of-pocket costs like deductibles, copays, or coinsurance. Hospital Indemnity Insurance pays you so you can cover those expenses—or use the funds however you see fit.
Is this only for Medicare beneficiaries?
No. While many people use it alongside a Medicare Advantage plan, Hospital Indemnity Insurance is also available for Marketplace plans and employer group insurance plans. It can be valuable for anyone with high out-of-pocket costs.
How much does it cost?
Most plans are very affordable, often under $1/day depending on your age and benefits selected. We'll walk you through the pricing during your consultation so there are no surprises.
Can I use this to cover prescriptions or rent while I recover?
Yes! The benefit is paid directly to you. There are no restrictions on how you use the money. That flexibility is what makes this coverage so helpful in a time of crisis.
What does it cover? Benefits can include:
Daily payments for hospital stays
Lump-sum payments for surgery, ambulance rides, or ER visits
Optional riders for skilled nursing, cancer treatments, or outpatient procedures Coverage varies by policy, and we’ll help you understand the fine print before you enroll.
How do I get started?
Simply contact our office to schedule a no-cost consultation. Our licensed team will review your current coverage and help determine if hospital indemnity is a good fit for your situation.
Does Mere work with specific insurance companies?
Yes—we work with a variety of trusted companies to help find the right fit for your needs and budget. Our recommendations are always tailored and unbiased.
Medicare Part D - Prescription Drug
Is the donut hole really gone?
Yes! Starting in 2025, there is no more coverage gap phase. Your drug costs follow a clear path from deductible to full coverage once you hit the $2,000 cap.
What does the $2,000 cap include?
The cap includes your total out-of-pocket spending for drugs that are on your plan’s formulary. Once you hit that amount, you pay nothing more for covered prescriptions for the rest of the year.
What if I get help through Extra Help (LIS)?
Great news—starting in 2024, the Extra Help program was expanded to cover more people with limited income. In 2025, if you qualify, you’ll receive full Extra Help, which means:
No monthly premium (for benchmark plans)
No annual deductible
Low copays of no more than $4.50 for generics and $11.20 for brand-name drugs
This program helps significantly reduce your out-of-pocket costs for prescriptions. We can help you determine if you qualify.
How do I know if my prescriptions are covered?
Each drug plan has its own list of covered drugs called a formulary. When you work with us, we check your medications against each plan's list to help you choose the best option.
When can I enroll or make changes to my plan?
You can enroll in or change your Medicare Part D plan during the Annual Enrollment Period (AEP), from October 15 to December 7, each year. Certain Special Enrollment Periods may also apply in some cases.
Do I need a Part D plan if I’m healthy and not taking medications?
Yes. Even if you're not currently taking prescriptions, it's smart to enroll in a basic plan to avoid late penalties later. We can help you find the most affordable option.
What if I have drug coverage through a Medicare Advantage plan?
Many Medicare Advantage (MAPD) plans already include drug coverage. We’ll help you compare your options and make sure you’re not overpaying or missing coverage.
LifeLine Phones
How much does it cost to get a LifeLine phone?
If you qualify, a basic smartphone is available at no cost through the LifeLine program.
What do I need to bring to qualify?
Bring a government-issued ID and proof of eligibility, like your Medicaid card, SNAP approval, or proof of income.
Are upgrades or tablets free too?
No. Upgraded devices, tablets, internet, and other add-ons may be available at discounted rates but may require a monthly charge or additional cost.
How long does it take to get a phone?
In many cases, you can receive your device the same day when attending an event or scheduled appointment.
Can I switch if I already have a LifeLine phone from another company?
Possibly! We can help you check your eligibility to transfer or upgrade.
Can you come to my event or office?
Yes! We love partnering with provider offices, veterans organizations, churches, and community groups. Reach out to us to schedule a visit!
Veterans & Medicare
If I already have VA health care, do I really need Medicare?
Yes. VA care isn’t guaranteed and only works at VA facilities. Medicare gives you access to more doctors and hospitals and acts as a backup in emergencies.
What if I have TRICARE for Life?
TRICARE for Life requires enrollment in both Medicare Part A and B. Once you have both, TRICARE works as your secondary insurance. We can help you optimize this coordination.
Will I lose my VA benefits if I sign up for Medicare?
No. Medicare is a separate program and does not impact your VA benefits.
Are there special Medicare Advantage plans for veterans?
Yes. Some plans are designed with veterans in mind—often with $0 premiums and extra perks—but they can vary by location. We’ll help you explore what’s available in your area.
Do you help spouses or surviving spouses of veterans?
Absolutely. Many spouses qualify for Medicare and may have VA or CHAMPVA coverage. We’ll walk through all the options available to you.
What does it cost to work with you?
Nothing. Our services are always no-cost to you. We’re paid by the insurance companies if you enroll in a plan through us—but our loyalty is to you.
Chronic Conditions & Medicare
What’s the difference between a regular Medicare Advantage plan and a Chronic Special Needs Plan?
C-SNPs offer tailored benefits and care coordination specifically for people with certain chronic conditions. Regular Medicare Advantage plans may not offer this focused level of support.
How do I know if I qualify for a C-SNP?
If you’ve been diagnosed with a condition like diabetes, heart disease, or COPD, you may qualify. Some areas even have plans for those who are currently receiving dialysis treatment or diagnosed with Alzheimer's or dementia. We'll help you.
Can I keep my current doctors?
We’ll help you review which doctors are in-network for each plan. Some C-SNPs are HMOs with specific provider networks, but we always try to prioritize continuity of care.
Do C-SNPs cost more?
Not necessarily. Many C-SNPs have low or $0 premiums, and the additional benefits often help reduce out-of-pocket costs overall.
What if I don’t qualify for a C-SNP?
We can help you explore other Medicare Advantage or Supplement options — and look for additional ways to save on prescriptions and care.
Self Employment
Why don’t I qualify for a subsidy on the Marketplace?
Subsidies are based on your estimated Modified Adjusted Gross Income and the number of people in your tax household. Many self-employed people earn too much or file jointly with a spouse whose income pushes them over the threshold—even if insurance still feels unaffordable.
What are “alternative” or “private” plans?
These are health coverage options that don’t go through the federal Marketplace and aren’t based on your income. They often include underwritten PPO-style plans, health sharing ministries, or short-term coverage that can be tailored to your specific needs.
What does “underwriting” mean?
It means you have to qualify based on your health history. You’ll typically answer questions about past diagnoses, medications, or procedures. If you’re in good health, these plans can offer strong benefits at a lower cost. But if you have ongoing medical needs or recent conditions, you may be declined or charged more.
Are these plans considered “real” insurance?
It means you have to qualify based on your health history. You’ll typically answer questions about past diagnoses, medications, or procedures. If you’re in good health, these plans can offer strong benefits at a lower cost. But if you have ongoing medical needs or recent conditions, you may be declined or charged more.
Do these plans cover everything a Marketplace plan does?
Usually not. They may not include things like maternity, mental health, or prescription coverage unless you choose to add it. These plans are designed for flexibility, but that also means you need to know what’s not covered.
What happens if I get sick later and can’t qualify anymore?
If your health changes, you may no longer qualify for these private plans at renewal. That’s why it’s important to talk through the risks. We’ll also discuss long-term strategies to ensure you’re not left without coverage in the future.
Is this a good fit if I have pre-existing conditions?
Probably not. If you need frequent care, take expensive prescriptions, or have recent diagnoses, you’ll likely be better served by an ACA-compliant plan, even if it’s more expensive. We’ll help you compare both types.
Can you help me understand both Marketplace and private options?
Absolutely. At Mere, we specialize in simplifying health coverage for self-employed individuals. We’ll compare all available routes—Marketplace, private PPO, Medi-Share, and more—to help you decide what’s best for your specific situation.
Short-Term Plans
What is short-term health insurance?
Short-term health insurance offers temporary coverage for unexpected medical needs, designed to bridge gaps between longer-term coverage.
Who might need a short-term plan?
People between jobs
Recent college graduates
Early retirees waiting for Medicare
People outside Open Enrollment without a qualifying event
New employees waiting for employer benefits to start
How long can a short-term plan last?
Currently, short-term plans can last up to 4 months due to recent legislation.
(Previously, some plans lasted up to 12 months or longer, but this changed.) This time limit could be adjusted by future administrations, so it's a good idea to check with us for the latest rules before applying.
Is a short-term plan the same as regular health insurance?
No. Short-term plans are not ACA (Affordable Care Act) compliant. They may not cover:
Pre-existing conditions
Preventive care
Maternity services
Mental health services
They're designed for unexpected illnesses or accidents — not routine care or ongoing health needs.
Will I qualify for a subsidy or discount?
No. Short-term health insurance does not qualify for government subsidies (like Marketplace plans do). It is private, stand-alone coverage.
Do I have to pass medical questions to be approved?
Typically, yes. You’ll answer basic health questions during the application process. Some conditions could cause a denial.
What happens when my short-term plan ends?
When your short-term coverage ends, you’ll either need to:
Apply for a new short-term plan (if allowed)
Enroll in a longer-term plan during Open Enrollment or after a qualifying life event
Discuss other options with us to make sure you stay covered
How do I get started?
Click here to quote and enroll online!
Our team will follow up to ensure everything is set up correctly — and we’re always here if you need help picking the right option.
Debt Elimination
What is foundational planning?
Foundational planning is a strategy that focuses on strengthening the core areas of your financial life—like debt elimination, guaranteed retirement income, estate planning, and long-term care. Instead of chasing risky investments or temporary fixes, it helps you build long-term security by identifying and correcting financial inefficiencies.
Do I need to make more money to get out of debt faster?
Not at all. Our strategy focuses on using the money you’re already spending—just more efficiently. Most clients are shocked by how much they can eliminate without increasing their expenses. That said, earning more can certainly help accelerate your progress, especially when that extra income is directed strategically.
How fast can I expect results?
Most clients start seeing positive momentum within the first few months—but results depend on your specific situation and how consistently the plan is followed. This isn’t a “get out of debt overnight” promise, but a proven strategy that works when implemented with discipline.
Is this like debt consolidation or bankruptcy?
No. We don’t consolidate your loans or recommend bankruptcy. This is a foundational planning approach that puts you in control and builds long-term security—not just a quick fix.
Can I still use my credit cards?
Yes! We don’t believe in extreme lifestyle changes. You won’t be told to cut up your cards or stop enjoying life. We help you build a realistic plan that works with your habits.
What if I have a mortgage, student loans, car payments, or medical debt?
Perfect. Our strategies are built to tackle all types of debt—whether it’s consumer debt, secured loans, or long-term obligations.
What does the consultation cost?
Nothing. We offer free, no-obligation consultations to show you what’s possible before you make any decisions.
Can this help with retirement planning too?
Yes. Our strategy is designed to eliminate debt and build a future. Many clients use the same plan to create tax-advantaged income streams in retirement.
I’m a small business owner—can this help with business debt?
Yes! These strategies work especially well for business owners who carry debt for equipment, lines of credit, or startup expenses. We help you apply the same cash flow efficiency principles to your business finances, freeing up money without disrupting operations.
What kinds of business debt can this eliminate?
We’ve helped clients eliminate credit card debt, business loans, equipment leases, and even high-interest working capital advances. If it has an interest rate, there’s usually a more efficient way to pay it off.
Will I need to change how I pay myself or run payroll?
Not necessarily. We work with your existing business structure and income—our goal is to find the leaks in your current plan and show you how to redirect dollars you’re already spending.
What if my income fluctuates month to month?
That’s common for entrepreneurs. We’ll build flexibility into your plan so you can still move forward even in slow seasons, while staying on track long term.
Can this help me with both personal and business debt?
Absolutely. We look at your full financial picture—personal and business—and create a strategy that works together. Many business owners are surprised to find that eliminating debt in one area unlocks faster progress in the other.
Medi-Share
Is Medi-Share health insurance?
No, Medi-Share is not health insurance. It is a Christian community where members voluntarily share each other’s medical expenses.
How does Medi-Share work?
Each month, members contribute their monthly share amount. Those funds are used to help pay for other members' eligible medical needs, according to the Medi-Share guidelines.
Is my medical bill guaranteed to be paid?
No. Because Medi-Share is not insurance, there is no legal guarantee that your medical bills will be paid. However, in over 25 years of operation, members have faithfully shared billions of dollars in medical needs.
What are some limitations I should be aware of?
Only eligible medical expenses are shared, based on Medi-Share’s guidelines.
Pre-existing conditions may have limitations.
Certain lifestyle and faith-based requirements must be met.
Do I have to meet any faith requirements to join?
Yes. All members must agree to a statement of faith and commit to living a healthy, biblical lifestyle, including abstaining from tobacco and illegal drug use.
Can I use any doctor or hospital?
Medi-Share has a large network of preferred providers, but you are not limited to it. Using in-network providers can lower your costs.
What kinds of medical needs are not shared?
Some examples include:
Routine preventive care unless otherwise specified
Expenses related to unbiblical lifestyles
Cosmetic procedures Always review the current Medi-Share guidelines to fully understand what is and isn’t eligible.
Looking for a Health Sharing Option Without Faith Requirements?
We understand that Medi-Share isn’t the right fit for everyone. That’s why we also offer another community-based sharing program through USA Health Plans by Altrua Healthshare — with no religious attestation required.
Monthly contributions go toward eligible medical needs
Ideal for self-employed individuals, families, or those priced out of traditional insurance
Pre-existing conditions are not eligible for sharing for the first 2 years
You can explore and enroll at your own pace
Click here to learn more or enroll
This option still operates outside of traditional insurance but offers a community-based approach to managing medical expenses — without the faith requirements of Medi-Share.
ACA Marketplace
Is the ACA Marketplace the same as Obamacare?
Yes! "ACA" (Affordable Care Act) and "Obamacare" are two names for the same program.
Can I keep my doctor?
It depends. Each plan has a different network. We help you check your doctors and prescriptions before you enroll.
What’s the biggest mistake people make choosing a plan?
Choosing based on price alone — without understanding the network rules and limitations. It can leave you with unexpected costs or no coverage for the care you need.
What happens if I guess wrong on my income?
If your income ends up higher than you estimated, you may owe back some or all of your subsidy at tax time. That’s why we encourage careful, conservative income estimates — and recommend talking with a tax advisor if you're unsure.
Do I need to file taxes to get a subsidy?
Yes. And if you’re married, you must file jointly. Filing separately can disqualify you from receiving a subsidy.
Are PPO plans available through the Marketplace?
In some states — but they’re rare. We’ll help you see if a PPO is an option where you live.
Do EPO plans need referrals?
No! You can see specialists directly — but you must stay in-network for coverage.
Will my information be shared if I fill out a form?
Never. When you fill out a form on our site, it only comes to our local office. You won’t get flooded with spam calls or emails from agents around the country.
Medicare Basics & Eligibility
Do I need to apply for Medicare, or will it happen automatically?
If you're already receiving Social Security before age 65, enrollment usually happens automatically. If you're not, you’ll need to sign up through Social Security.
When should I start the Medicare enrollment process?
You can enroll 3 months before your 65th birthday, during your Initial Enrollment Period (a 7-month window). But it’s wise to start the conversation even earlier to avoid mistakes or delays.
What happens if I keep working past 65?
If you or your spouse are still working and have employer coverage, your decision to enroll—or delay—depends on the size of the company and the quality of the plan. Reach out for personalized guidance.
Does my income affect my Medicare costs?
Yes. Higher earners may pay more for Parts B and D—but there are also programs like Medicare Savings, Extra Help, and even Medicaid that can reduce your costs if you're on a fixed income. We’ll walk through what might apply to your situation.
What if I’m helping a parent or spouse with this?
You’re in the right place. We work with adult children, caregivers, and spouses to make sure your loved one’s transition to Medicare is smooth and stress-free.
What documents do I need to enroll?
You’ll typically need:
Proof of age (like a birth certificate or ID)
Social Security number
Employment or coverage info (if still working)
Medicare Enrollment
Do I have to be receiving Social Security to apply for Medicare?
No. You can apply for Medicare even if you’re delaying Social Security income benefits.
What if I miss my enrollment period?
You may need to wait for the General Enrollment Period (Jan–Mar) and could face penalties. Reach out so we can review your options.
How long does it take to get my Medicare card?
Typically 2–3 weeks after processing. Be sure to apply early.
I’m helping a spouse or parent—can you guide us both?
Yes. Each person needs to enroll separately, but we can help you coordinate both enrollments.
MereCare Team
Can I schedule an appointment with a MereCare Team member?
Yes! You can meet with a team member virtually or by phone to go over documents, complete forms, or get help with coverage-related questions.
I wanted to talk to my Mere Benefits licensed agent—why can't I?
Licensed agents are often in back-to-back client meetings. Our MereCare Team is trained to handle service issues, intake, and follow-up, so you’re not waiting or left without help. If something requires licensed advice, we’ll make sure your agent is looped in.
Are MereCare Team members licensed insurance agents?
No. They are not licensed to give plan advice or enroll you in coverage. But they’re highly trained to assist with your onboarding, forms, scheduling, service issues, and general support.
What can’t the MereCare Team help me with?
They cannot give plan recommendations, quote prices, make changes to your policy, or provide tax or legal advice. But they can support nearly everything else, making your experience as smooth as possible.
What if my usual MereCare Team member isn’t available?
No worries—we use detailed internal notes so that any team member can help without you needing to repeat yourself. You’re in good hands, no matter who you speak with.
Can I meet with a MereCare Team member in person?
Not at this time. All appointments are held virtually or by phone for convenience and flexibility.
How long does it take to resolve a problem?
Resolution times vary based on the issue and the carrier involved. While we can’t guarantee how long a solution will take, we strive to keep you informed every step of the way. Our team strives to respond to all missed calls or messages within 24 business hours or sooner.
Will the MereCare Team follow up with me after my appointment?
Yes. We often check in to make sure your application or policy was processed, to help with any next steps, or to gather documents if needed. You’re never left to figure things out on your own.
What if I need help outside of business hours?
The MereCare Team is available Monday–Friday, 8am–8pm ET. You’re always welcome to leave a message or email us, and we’ll respond during business hours.
Can the MereCare Team help with billing issues or claims?
Yes—we can help you understand your bill, connect with the insurance company, and figure out what steps to take if something doesn’t look right. While we don’t make the final decisions, we’ll walk you through the process and advocate with you.
What if there’s a mistake with my coverage or something gets missed?
At Mere, we’re real people helping real people—and while our team is highly trained, we’re still human. Mistakes can happen. One of our core values is integrity, and that means owning errors, fixing them quickly, and keeping you informed every step of the way. If something feels off, please let us know, we will do what we can to make it right.
Why is it harder to reach someone during the fall season?
The 4th quarter is our busiest time of year, with Medicare Annual Enrollment, Marketplace Open Enrollment, and Group Benefits Open Enrollment happening at the same time. We work hard to have a real person answer your call—no phone trees, no endless button-pushing (we can’t stand that either!).
That said, response times may be a little longer during this season. Please be patient with us, we’re committed to giving every person the time and attention they deserve, including you. We appreciate your grace as we serve others just like we’ll serve you.
What if I have trouble understanding someone on the MereCare Team?
We’re multilingual and always learning! While every team member speaks English, many also speak Spanish or more than two languages. Learning is one of our core values—and every day, our team spends dedicated time strengthening their communication skills so we can serve you better.
If you ever need clarification or a follow-up, we’re happy to help. We’re real people committed to helping you feel heard and supported.
HSA & Medicare
Can I use my HSA to pay for Medicare premiums?
Yes! You can use it tax-free for Parts A, B, C (Advantage), and D. Medigap (Supplemental) premiums are not eligible.
What happens if I contribute to my HSA after Medicare starts?
You’ll owe a 6% excise tax on excess contributions. You’ll need to remove the excess and file IRS Form 5329.
Can I delay Medicare to keep contributing?
Yes, if you have credible employer coverage (from a group with 20+ employees). But if you're receiving Social Security, you'll automatically be enrolled in Part A.
Can I still use my HSA after Medicare starts?
Yes! You can use it tax-free for qualified expenses or take taxable withdrawals for anything after age 65 without penalty.
Can my spouse keep contributing if I’m on Medicare?
Yes. If they’re under 65 and not on Medicare, they can contribute to their own HSA.
Medicare & Medicaid
What is the difference between Medicare and Medicaid?
Medicare is a federal health insurance program primarily for people age 65+ or under 65 with disabilities. Medicaid is a state-based program that helps people with low income and resources. If you qualify for both, Medicare pays first, Medicaid helps with the rest.
If I have QMB, SLMB, or QI1 in 2025, can I change my Medicare Advantage Plan (MAPD)?
Not anymore. As of 2025, partial Medicaid programs like QMB, SLMB, and QI1 do not trigger a Special Enrollment Period (SEP) to change your MAPD plan. We can help you review other SEP options if you qualify.
How do I know if I qualify for Medicaid or LIS (Extra Help)?
Eligibility is based on income and resources. We can walk you through a quick screening and help you apply for both Medicaid and LIS at no cost.
What if I’ve lost my Medicaid or was denied?
You still have options. If you’re eligible for Medicare, we can help you review low-cost coverage alternatives or reapply for Medicaid with proper documentation.
Why would I need a Lifeline phone?
Many dual eligible individuals qualify for a free phone through the Lifeline program. If you don’t already have one, we can help you get connected. Visit the Lifeline page here »
I keep seeing commercials, getting phone calls, and mail about “free benefits”—are these real?
Many of the ads, calls, and postcards you receive are targeted at people who have both Medicare and Medicaid (Dual Eligible)—and they often don’t explain that clearly. While some of the benefits they advertise do exist, not everyone qualifies for them.
Unfortunately, many of these messages are designed to get you to switch plans without checking if your doctors and medications are still covered—and that can cause major problems later.
Before you make any changes, talk to a licensed agent who will review your providers, prescriptions, and eligibility first. We're happy to do that for you at no cost.
What is LIS (Extra Help) and how does it work?
Extra Help is a program that helps people with Medicare save money on their Part D prescription drug costs. It can reduce or eliminate premiums, deductibles, and copays—and helps ensure your medications are more affordable year-round.
Do I have to have Medicaid to qualify?
No. While many people with Medicaid automatically get Extra Help, you don’t have to have Medicaid to qualify. If your income and assets fall within certain guidelines, you may still be eligible. We’ll help you find out.
How does Extra Help work with Medicare and Medicaid?
If you have both Medicare and Medicaid, Medicare pays first, and Medicaid helps with costs Medicare doesn’t cover. Extra Help then lowers what you pay for prescriptions through your Part D plan. All three work together to reduce your overall out-of-pocket expenses.
Can you help me apply for Extra Help (LIS)?
Yes! Our team helps you understand your options and apply for programs like LIS—no cost, no pressure. Just reach out and we’ll walk you through it.
Travel with Medicare
Will Medicare cover me on a cruise?
Only if you're within U.S. territorial waters (usually within 6 hours of a U.S. port). Outside that, Original Medicare doesn’t apply.
Doesn’t my Medigap plan cover international travel?
Some do—Plans G and N, for example—but benefits are limited to foreign emergency care during your first 60 days abroad, with a lifetime cap of $50,000. You’ll still need to pay up front and file for reimbursement.
I have a Medicare Advantage plan. Will it cover me abroad?
Maybe. Some MAPD plans offer limited emergency or urgent care coverage overseas. But again—foreign doctors and hospitals won’t accept your card. You must pay out of pocket and request reimbursement later.
So what’s the alternative?
A standalone travel medical policy, like GeoBlue, which is designed specifically for international care. With many plans, GeoBlue pays directly to providers, eliminating the reimbursement hassle.
What if I’m only traveling in the U.S.?
You’re in good shape.
With Original Medicare + Medigap, you're covered nationwide.
With MAPD, ER and urgent care are always covered nationwide, no matter where you go—even outside your plan’s service area.
Florida KidCare & Medicaid
Do you help people apply for Florida KidCare?
No. We are not affiliated with Florida KidCare and do not help with applications. You can apply directly at floridakidcare.org.
What if I don’t qualify for subsidized KidCare?
If you're required to pay full cost (often $250+/month per child), contact us to explore more affordable private plans for your child.
Do you offer Medicaid for children?
No. We do not work for or represent Medicaid. If you need help applying or have questions, contact the Florida Department of Children and Families (DCF) at myflfamilies.com.
Can my child stay on KidCare if I don’t have insurance?
Yes. Eligibility is based on your child’s age and household income, not your own coverage.
Veteran Support & Savings Hub
Do you help veterans enroll in VA health care or file VA claims?
No, we do not represent the VA or assist with filing claims. We recommend visiting www.va.gov or calling the VA directly for help with benefits, enrollment, or claims.
Can you help me understand how my VA benefits work with Medicare or Marketplace plans?
Yes! We specialize in helping veterans understand how their VA health care, TRICARE, or CHAMPVA might coordinate with Medicare or Marketplace options. Our help is no cost and no obligation.
Where can I find verified discounts for veterans?
You can visit trusted websites like HelpVet.net, GovX.com, or ID.me to find military-exclusive savings across many categories.
Are discounts only for active duty military?
No! Many discounts also apply to veterans, retirees, National Guard, reservists, and their families. Always check each store’s policy.
How do I prove my military service to access discounts?
Most companies accept military ID, DD214, VA card, or third-party verification through platforms like ID.me or GovX.
Limited Medicaid & Pregnancy Plans: What You Need to Know
I’m on Pregnancy Medicaid. Do I still need insurance?
Maybe. Pregnancy Medicaid only covers maternity-related services—it does not count as full health coverage. You may still qualify for a subsidized Marketplace plan.
What if I was denied full Medicaid?
If you were denied Medicaid, that may trigger a Special Enrollment Period (SEP), giving you access to Marketplace plans with subsidies.
Can I keep Medicaid and still get a Marketplace plan?
No, not both at the same time. But if your Medicaid is limited or doesn’t count as Minimum Essential Coverage, you may be eligible for a Marketplace plan instead.
Do you work for Medicaid or DCF?
No. We are not affiliated with DCF or Medicaid. We are a private agency and cannot help with Medicaid applications or issues. Please contact DCF directly for questions about Medicaid.
Insurance Translator
I’m still unsure about my coverage—can I call someone?
Yes! Our licensed team is here to help with no cost or obligation. Contact us today.
What if I still don’t understand a term or how it applies to my plan?
You’re not alone. We’re here to help translate your options in plain English. Just contact our team and we’ll walk you through it.
Can you explain my benefits or bills to me?
Yes. If you’re a client, we can review your documents, bills, and plan information so you feel confident about what’s covered—and what’s not.
What should I do if I think something was denied in error?
Start by reviewing the reason for the denial. If you disagree, you may be able to file an appeal. Visit our Appeals & Forms Hub for step-by-step help.
What if I’m not a client yet?
No problem—our consultations are no-cost, no-pressure. We’ll help you explore options and make sure you’re not overpaying or underinsured.
Travel Insurance
Is this the same as trip cancellation insurance?
No. This is not for missed flights or lost luggage. This is for medical emergencies, like getting sick, injured, or hospitalized while you're outside the U.S.
Does my regular health insurance cover me overseas?
In most cases, no—especially with Medicare. Even if your plan claims to offer some coverage abroad, it usually involves reimbursement, huge out-of-pocket costs, and strict limitations.
What does travel medical insurance cover?
GeoBlue covers:
Emergency medical care for illness or injury
Medical evacuation and transport back to the U.S.
Repatriation of remains
COVID-related emergencies
Some coverage during terrorism or bio-event situations
Flying a loved one out to help in a crisis
24/7 access to English-speaking doctors and support
Who should consider a travel medical policy?
Anyone leaving the country—including:
Vacationers
Cruisers
Frequent flyers
Students and study-abroad programs
Missionaries and humanitarian workers
Remote workers or digital nomads
Marine crewU.S. citizens living abroad or foreign nationals living in the U.S.
Is this first-dollar coverage or do I pay out of pocket first?
GeoBlue is first-dollar coverage—meaning they pay the provider directly. You’re not stuck paying up front and hoping to get reimbursed later.
How much does it cost?
It depends on your trip and health, but many plans are very affordable—often just a few dollars a day. It’s a small price for peace of mind.
Does GeoBlue cover pre-existing conditions?
Yes, some plans offer coverage for pre-existing conditions, especially for short-term travel. We’ll help you pick the right one based on your needs.
Will this cover getting my body home if I pass away overseas?
Yes. GeoBlue includes repatriation of remains, so your family isn’t left with the burden or cost of bringing you home.
How do I get started?
You can [get a quote or enroll online here], or give our team a call. We'll help you figure out what kind of coverage fits your trip.
Marketplace Verification Guide
What is verification, and why does the Marketplace ask for it?
Verification is the government's way of confirming that you're eligible for a Marketplace plan. This can include proof of income, legal residency, or proof of a life event like losing other coverage.
If you don’t submit the right documents, your plan can be denied or canceled—even if you already paid.
I had a qualifying life event. How long do I have to enroll?
You have 60 days from the date of your qualifying event (job loss, move, marriage, etc.) to enroll.
But some events require that you had coverage beforehand—see our SEP chart for details.
What documents do I need to prove a loss of coverage?
A letter from your employer, insurance company, or COBRA administrator with:
Your name
Type of coverage
Date coverage ended
Reason coverage ended
Without this, we cannot complete your enrollment.
How do I prove my income if I’m self-employed?
You can provide:
A signed letter stating your estimated income
Invoices, 1099s, or a recent profit/loss statement
Recent bank deposits showing business income
We can send you a sample self-employment income letter if you need help.
What can I submit to prove legal residency?
It depends on your status, but acceptable documents include:
U.S. passport or birth certificate
Green card (front and back)
Valid visa with I-94
Asylum/refugee documents
We can help you upload your documents securely.
How long do I have to upload documents after enrolling?
Usually 30 days from the time your plan is selected. The Marketplace will email and mail you reminders.
If you miss the deadline, your coverage will be canceled—even if you paid the premium.
I didn’t get the Marketplace request for documents—what now?
Check your email (including spam), your Marketplace account, and your mail. If you're unsure, contact our team—we can log in and check your application status.
Can Mere Benefits submit documents for me?
Yes—but only after you provide them to us. We’ll help ensure they’re uploaded correctly and follow up as needed.
But we cannot move forward without your documents. This protects you from losing coverage.
What if I can’t get the documents I need in time?
If you're unable to get proof or don’t qualify for a Special Enrollment Period, we’ll help you explore:
Private PPO plans
Medi-Share options
Short-term insurance
Supplemental coverage
We’ll also help you prepare for Open Enrollment so you’re ready next time.
Who do I contact to get my termination letter or Medicaid denial?
Employer/HR Department (for job-based plans)
Insurance company (for private or COBRA coverage)
State Medicaid/CHIP office (in Florida, this is FL DCF)
COBRA administrator (listed on your COBRA offer or bill)
Appeals and Forms
Do I need to fill out all of these forms?
No—only the ones that apply to your specific situation. Each form includes a brief description to help guide you. Not sure which one fits? Reach out and our team can help.
How do I submit these forms?
Most Medicare and Social Security forms can be faxed, mailed, or submitted through your SSA.gov account. Check each form for exact instructions. If you're a client, we can help you upload or fax them securely.
What if I’m not sure which form to use?
You’re not alone. That’s exactly why we built this page—to bring clarity. If you’re stuck, contact us so we can walk through it together.
Is there a deadline for filing appeals?
Yes. Medicare and Social Security appeals usually have time limits (e.g., 60 days from receiving a denial). Don’t wait—reach out if you’re not sure how to start.
Can I authorize someone to help me with my case?
Yes! Use the SSA-1696 (Social Security) or CMS-10106/CMS-1696 (Medicare) forms to appoint a representative. We can even help you fill those out if needed.
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
This website is not affiliated with or endorsed by any government agency, including the United States government, the federal Medicare program, the Social Security Administration, the Department of Health and Human Services, or the Centers for Medicare & Medicaid Services.
This is a proprietary website and is not associated with Healthcare.gov.
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