Stay worry-free
with our professional services.
with our professional services.
Welcome to NextStage Insurance Services, where our mission is to find the right medicare plan for you, in the right way for you.
Having over 30 years of experience in insurance and specializing in Medicare health plans, I am here to help Medicare beneficiaries navigate the complexities of different plans that suit their needs. I am fluent in English, Mandarin, Vietnamese, and Cantonese and can explain any part of Medicare in your language of comfort. Feel free to contact me with no cost and no obligation today!
Learn About Medicare
Medicare can be complicated... but we have resources here to help you!
Learn more about Original Medicare or Additional Coverage down below.
Understand your Medicare
Enrollment Eligibility
You are eligble for Medicare benefits if you are a US Citizen OR A legal resident that has lived in the US for 5 consecutive years, including the 5 years immediately before applying to medicare.
Additionally, you must also apply to one or more of the following
Additionally, you must also apply to one or more of the following
- You are age 65 or older
- You are under 65 with qualifying disability
- You are any age with a diagnosis of end-stage renal disease or ALS
Enrollment Period
There are many types of enrollment periods. It is important to understand how each enrollment process applies to you.
The different enrollment periods are as follows:
The different enrollment periods are as follows:
- The Initial Enrollment Period (IEP) if you are turning age 65
- The Annual Enrollment Period (AEP) on Oct.15 - Dec.7 if you want to make any plan changes
- A Special Enrollment Period (SEP) that applies to certain life events
Late Enrollment Penalties
You will incur late enrollments penalties for Medicare Part B and or Medicare Part D if you do not take proper action according to Medicare rules.
- Medicare Part B will accumulate a 10% penalty for each 12-month period you were eligible for Medicare Part B but did not enroll
- Medicare Part D will accumulate a 1% penalty per month based on the National Premium for every month you were eligible for Medicare Part D but did not enroll
- Any penalties incurred are permanent as long as you continue to have Medicare Part B or Medicare Part D
