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  • PA Live! with the Cheryl Cloke Agency
Aug 22, 2024 By cherylclokeagency Medicare 65 and older, Insurance, Medicare, Medicare insurance, Pharmacy Coverage

PA Live! with the Cheryl Cloke Agency

Selecting a Medicare plan on your own so it relieves a lot of stress when you work with an expert like Cheryl Cloke and the Cheryl Cloke Agency.
Jun 8, 2021 By cherylclokeagency Medicare, Uncategorized 65 and older, Insurance, Medicare, Medicare insurance, Pharmacy Coverage, senior medicare

Medicare

Your MEDICARE plan is out there. Let’s find it together. SM

Solving the Medicare maze

Cheryl Cloke is pleased to announce that she has partnered with Medicareful to assist our members and/or their employees and retirees with Medicare.

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Cheryl Cloke Agency

Cheryl Cloke Agency

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Cheryl is licensed in PA, NJ, NY, DE and VA. She is current with state and federal required certifications and participates in continuing education courses that broaden her insurance knowledge base.

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Cheryl Cloke Agency
17 hours ago

Small, daily habits can have a bigger impact on your health than most people may realize. Swipe through for some simple changes that are easy to make and might be worth sticking with for the long run.

As always, if you have questions about your health insurance coverage, give us a call. We are here to help.
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Cheryl Cloke Agency
1 week ago

As you may know, it’s almost time for Medicare’s annual enrollment period (AEP), a key opportunity to alter your Medicare health and prescription drug plans for the upcoming year. The Medicare AEP runs from October 15th to December 7th every year, making now a potentially advantageous time to review your current coverage and plan ahead for any changes next year.

Thinking about this now, before the period opens, can make the process easier and give you enough time to compare options and make an informed decision about your care. Swipe for a few areas to revisit as you prepare for the beginning of the AEP.

A little preparation now can make the process simpler and help you choose coverage that fits your needs. That said, if you’d like to go over your current plan, feel free to reach out. We are always here to help you carefully assess your needs so you can make an informed decision.
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Cheryl Cloke Agency
2 weeks ago

Your Medicare coverage should not be something you only think about once a year. Certain life changes, plan questions, or coverage issues are good reasons to reach out sooner to avoid surprises and make sure your plan still fits your needs.

Swipe to see when it is a good time to call your Medicare agent.

The best time to call your Medicare agent is before a small question becomes a bigger coverage problem. If you need help reviewing your plan, preparing for enrollment, or understanding a recent life change, contact our office.
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Cheryl Cloke Agency
3 weeks ago

If you’re turning 65 soon and are unsure about what it means to enroll in Medicare, you are not alone. One of the most common questions we hear from those nearing retirement is around the timeline for signing up for Medicare.

So, we wanted to share a few important reminders to help you stay on track:

✅Know your enrollment window. Your initial enrollment window lasts for seven months — three months before your 65th birthday, your birthday month, and three months after your birthday. Enrolling early in this timeframe can help ensure your coverage begins right when you need it.

✅Understand how to sign up. Some individuals are automatically enrolled in Original Medicare, while others need to take action themselves to enroll in Original Medicare. This often depends on whether you are already receiving Social Security benefits.

✅Do not delay without a plan. Waiting too long to enroll without qualifying coverage can result in delayed coverage start dates and ongoing late-enrollment penalties.

✅Be aware of other options. If you are still working and covered under an employer plan, you may qualify for a Special Enrollment Period that can allow you to defer your enrollment. However, missing all enrollment windows can limit your options and increase costs, so it's best to clarify this early.

Medicare decisions can feel overwhelming, but you do not have to navigate them alone. Whether you are approaching 65 or are simply evaluating your options, contact us for guidance tailored to your situation.
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Quick contact info

Getting connected with the Cheryl Cloke Agency is easy. Contact information is below

103 N 7th Street, Ste 101 Stroudsburg, PA
clokeagency@gmail.com
570-213-1846

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Copyright © 2024 | Powered by My Girl MS | Not affiliated with the U. S. government or federal Medicare program “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.