Site icon Holly Clark Health Insurance

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Jack and I have been in the insurance business since 2008. Jack sits at my feet most days and has taken all my tests with me and listened to all my client calls. He knows a lot about health and life insurance. Currently, we live in Libby, MT. I am licensed in OR, WA, ID & MT.

I can meet with you at 30270 US Hwy 2, Libby, MT 59923, or at your home or at a restaurant. Nowadays, they have made everything easy through the internet so we can even get together over the phone and do it over the internet.

Call for an appointment 406-293-2285

I am appointed by Mountain Health Co-op, BCBS of MT, and Humana and can help individuals, families, and groups with insurance. The time of year to make changes during the annual enrollment period is November 1 through December 15.

You can change health plans if you qualify for a Special Enrollment Period due to a life event — like losing health coverage, getting married, or having a baby. Usually, you have 60 days from the event to enroll in a new plan but report the change as soon as you move.

If you have your Medicare Part A and Part B I can help educate you on your options of Medicare Advantage Plans and Medicare Supplements. Part D is prescription drugs. Annual Enrollment starts October 15 and ends December 7. This is a time of year to change Medicare plans which will become effective January 1. If you are moving to MT, you have 63 days to change Medicare Advantage plans.

The two options to choose from are Medicare Supplements which have been around since the 1960s and Medicare Advantage Plans which were introduced in 1990. They both fill in the 20% coverage to bring you to 100% coverage but have differences. I have software that enables me to see competitive premiums. I am appointed with Humana and BCBS for Advantage Plans and Aetna, Cigna, CSO, Union Security, IAC, MHC & Lumico for Medicare Supplements.

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