Consultant/Paralegal/Certified Healthcare Plan Specialist
Insurance Expertise at Your Fingertips
We Serve the Senior and Disabled Population with Medicare and Community Services in New Mexico, California, Colorado, Florida, Texas, Utah, Michigan, North Carolina, and Washington.
The Annual Election Period For 2025 runs from 10/15/2024 to 12/07/2024
~ Thank you for your patience during this very busy season ~
Compare & Enroll / Medicare Plans
At The Agency Management Company, we believe that everyone deserves access to quality healthcare. That's why we offer affordable health insurance plans that provide comprehensive coverage for all your healthcare needs. From routine check-ups to major medical procedures, our plans have you covered.
To Access Plan Information or Enroll in Medicare & Prescription Drug Plans ~ Click on the links below
To Enroll in 2025 Medicare Plans
https://planenroll.com/?purl=Ellen-Baca
To Enroll in 2024 Medicare Plans:
https://www.planenroll.com/?purl=R4Jpv44a
To Enroll in 2025 PRESBYTERIAN Medicare Plans:
To Enroll in 2024 PRESBYTERIAN Medicare Plans:
To Enroll in Dental & Vision Plans:
Medicare basics
Medicare Part A
Medicare Part A
Medicare Part A
- Part A, sometimes referred to as 'Hospital Coverage' covers in-patient hospital stays, care in a skilled nursing facility, hospice care, some home health care, and blood. Most people get Part A at no additional cost. If you are already collecting Social Security or Railroad Retirement, your enrollment in Medicare Parts A & B will be automatic, otherwise, you will need to enroll.
Medicare Part B
Medicare Part A
Medicare Part A
- Part B sometimes referred to as 'Medical Coverage' covers services provided by doctors and other health care providers, outpatient care, medical supplies, durable medical equipment, and preventive services. There is a monthly premium for Part B. Premiums will vary depending on your income.
Medicare Part C
Medicare Part C
Medicare Part C
- Part C, often referred to as 'Medicare Advantage Plans' are administered by private insurance companies approved by CMS/Medicare. You must be enrolled in Medicare Parts A & B to enroll in a Medicare Advantage Plan. These plans use network providers, it's important to know if your providers are IN network or OUT of the network; improper utilization can be very costly.
Medicare Part D
Medicare Part C
Medicare Part C
- Part D covers Prescription Drug coverage and is administered by private insurance companies approved by CMS/Medicare. There is generally a monthly premium for Prescription Drug Plans. There are additional out-of-pocket costs to consider when choosing a drug plan such as premiums, co-pays, and annual maximum out-of-pocket expenses. If you don't enroll when you are first eligible and don't have creditable coverage, you may have late enrollment penalties.
We Can Help You Through The 'Medicare Maze'
Navigating through the complexities of the Medicare system can be quite challenging, especially if you are new to Medicare. We can ease that stress and help guide you each step of the way to ensure successful completion.
We listen carefully for any particular concerns and specific healthcare requirements you may have, clarify what is the most important issue for you, and get to work on researching and evaluating the available plans in your service area to determine which is the most cost-effective plan that will best suit your needs.
Some important things to consider when choosing a Medicare plan include your costs, provider preferences for doctors, hospitals, and prescription drugs, travel concerns, and any special circumstances you may be facing, as well as the coordination of benefits for veterans and other federal programs.
Some beneficiaries qualify for extra help to pay for expenses such as co-pays and drug costs; often, they are not aware these programs are available to them. We can help you determine your eligibility and help you obtain access to these benefits to work with your current plan. It is very important to understand how your plan works and what the various plan terms actually mean, so you can avoid costly mistakes.
We work tirelessly to keep up with the changing landscape of Medicare, Medicaid and all of the Company Plans we represent so we can provide our clients with the most up-to-date information available.
The Agency Management Company is a licensed and certified representative of Medicare Advantage HMO, PPO, and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Every year Medicare evaluates plans on a 5-Star rating system.
As a state licensed Agency, we also maintain AHIP Certifications on an annual basis. The Agency and our Agency Partners operate in strict compliance with all of the Industry mandates, rules, guidelines, and regulations set forth by CMS/Medicare.
We are able to provide you with information on what the market has available now, any expected changes that may come, and how those changes may affect you and your cost. For a complete list of available plans, you can call 1-800-Medicare. TTY users call 1-877-486-2048 24 hours a day/7days a week.
Having access to multiple carriers allows us to more effectively serve our clients and provide more specific solutions for all of their Medicare needs, as well as the gaps in coverage that Medicare does not allow. We offer various enrollment options, including home visits, to accommodate your level of comfort with the process of completing your Medicare enrollment in a timely and efficient manner.
Base your decisions and your Medicare Plan on a solid foundation with accurate information and critical facts that pertain to your particular situation and healthcare needs. Medicare beneficiaries sometimes think there is an added fee if they enroll in a Medicare Plan with an Independent Broker; this is not the case, plan benefits and costs are the same, regardless of where you enroll.
Our years of experience and training can help you find the most comprehensive and cost-effective plan available to you. We have helped hundreds of clients navigate through the Medicare system. We can help you too! Help is Just a Phone Call Away
Office: (505) 897-2207 TTY:711
Email Ellen at: ellen@tamc.agency
To RSVP for Community Meetings and/or Medicare Seminars
Email: info@tamc.agency
To Enroll in 2025 Medicare Plans:
https://planenroll.com/?purl=Ellen-Baca
To Enroll in 2024 Medicare Plans:
https://www.planenroll.com/?purl=R4Jpv44a
To Enroll in 2025 PRESBYTERIAN Medicare Plans:
To Enroll in 2024 PRESBYTERIAN Medicare Plans:
* * *
To Enroll in Dental & Vision Plans:
To view and/or purchase plans directly *click the link below: https://myplan.ameritas.com/id/010L5289
If you have any questions or need help with your plan enrollment, give us a call.
Medicare Enrollment
Putting it All Together
Putting it All Together
Putting it All Together
We have listed some basic information about Medicare. There certainly are many other things to consider when making your Medicare choices; we know it can be quite overwhelming.
We can help you coordinate the benefits you are eligible for with Medicare, Medicaid, Social Security, Veterans Benefits, Group Employer Benefit options, as well as Government Retiree plans. Give us a call, we'll help you get started!
Election Periods
Putting it All Together
Putting it All Together
IEP / ICEP / OEP / OEPI / SEP / AEP
If you are not sure which enrollment period applies to you, please don't hesitate to give us a call and we can help you determine your enrollment eligibility. You are not required to provide any health-related information unless it will be used to determine enrollment eligibility.
If you don't enroll by the enrollment deadline, your coverage may be delayed or you may incur enrollment penalties.
Resources
To Request Medicare Parts A & B and/or Apply for Extra Help
*click the link below
For Access to 2023 & 2024 Medicare Plans and Prescription Drug Plans
To Enroll in 2025 Medicare Plans:
https://planenroll.com/?purl=Ellen-Baca
To Enroll in 2024 Medicare Plans/*click the link below
https://www.planenroll.com/?purl=R4Jpv44a
To Enroll in 2025 PRESBYTERIAN Medicare Plans:
To Enroll in 2024 PRESBYTERIAN Medicare Plans/*click the link below
* * *
To Enroll in Dental & Vision Plans / *click the link below:
CMS Notice / Warning Regarding National Television ads
Department of Health and Human Services
Centers for Medicare & Medicaid Services Center for Medicare
7500 Security Boulevard Baltimore, Maryland 21244-1850
MEDICARE DRUG & HEALTH PLAN CONTRACT ADMINISTRATION GROUP
Date: October 8, 2021
To: Medicare Advantage Organizations
From: Kathryn A. Coleman, Director
Subject: Third Party Marketing
CMS reminds Medicare Advantage Organizations (MAOs) that, under 42 CFR §§ 422.504(i), they are responsible for first tier, downstream or related entities (FDRs) adherence to all terms and conditions of the organization’s contract with CMS, including compliance with all applicable Medicare laws and regulations, when acting on the plan’s behalf. This includes, but is not limited to, the requirements that all marketing materials be submitted to CMS prior to use, pursuant to 42 CFR § 422.2261(a), and that Medicare Advantage (MA) plans may not mislead, confuse, or provide materially inaccurate information to current or potential enrollees, pursuant to 42 CFR 422.2262.
Advertisements intended to draw a beneficiary's attention to an MA plan or plans and include or address content regarding plan premiums, cost sharing, or benefit information, including those not mentioning a specific plan by name (as well as instances where such advertisements are made on behalf of multiple MA organizations), are marketing as defined under 42 CFR §422.2260. Thus, these advertisements, as marketing materials, must be submitted to CMS prior to their use.
CMS is particularly concerned with national advertisements promoting MA plan benefits and cost savings, which are only available in limited service areas or for limited groups of enrollees, as well as using words and imagery that may confuse beneficiaries or cause them to believe the advertisement is coming directly from the government. In addition, CMS receives complaints from beneficiaries and caregivers that highlight sales tactics designed to rush or push beneficiaries into enrolling into a plan.
MA organizations are accountable and responsible for their marketing materials and activities, including marketing completed on a MA plan’s behalf by an FDR. Where such marketing materials and activities fail to meet our requirements, the MA plan may be subject to compliance or enforcement actions. CMS has identified and strongly encourages MAOs to adopt the following best practices: • Utilizing outbound phone calls to beneficiaries, as opposed to letters, when complying with 42 CFR §422.2272(b) to establish and maintain a system for confirming that 2 enrolled beneficiaries have, in fact, enrolled in the MA plan, and understand the rules applicable under the plan. • Reviewing rapid disenrollments to identify trends associated with “bad players.” In addition to recouping agent/broker compensation for rapid disenrollments as required under 42 CFR §422.2274(d)(5)(ii)(A), recouping any administrative payments paid to an FDR where rapid disenrollment occurs. • Reviewing actual marketing and enrollment calls between beneficiaries and call centers/agents to ensure compliance with the communications and marketing requirements under 42 CFR Subpart V. • Requiring FDRs to identify the origin of the enrollment lead (e.g., call in based on TV ad, response to mailing). • Recording the entire sales call in additional to all telephonic enrollments, as described under Section 40.1.3 (Enrollment via Telephone) of Chapter 2 - Medicare Advantage Enrollment and Disenrollment of the Managed Care Manual. • Requiring FDRs to disclose all contracted third-party relationships.
CMS is monitoring the “chain of enrollment,” which includes the marketing materials, lead generating activities, sales talks, and enrollment process to ensure these activities are completed in accordance with all applicable requirements. We are also working with other federal agencies regarding the appropriateness of the content of certain advertisements.
