Dental & Vision Coverage

Dental & Vision Coverage

Each insurance plan offers benefits with any dental and vision care provider. The Ameritas Dental Network is one of the nation’s largest, and network providers offer savings of 25-50% on out-of-pocket costs. VSP and EyeMed vision plans include network savings on exams and eyewear. Search network providers in your area.

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.

Cheryl Cloke Agency

5 days 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. ... See MoreSee Less

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Cheryl Cloke Agency

6 days ago

Choosing a health care provider is an important decision, and the right tools can make it easier. Whether you need a new primary care doctor, a specialist, or want to compare facilities, Medicare’s Care Compare tool helps put trusted information at your fingertips.

Swipe through for a quick guide on how it works. And remember, if you ever need help navigating your coverage, our team is here to assist. ... See MoreSee Less

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Cheryl Cloke Agency

2 weeks ago

A new school year brings new routines, new responsibilities, and a timely reminder to check in on your family’s health before schedules become hectic. Back-to-school preparation is not only about supplies and calendars, but it is also a good time for both children and adults to review preventive care, update health needs, and make sure everyone is ready for a strong start.

With that in mind, our team wanted to share some key back-to-school health prep tips. Swipe for more information.

If you have questions about preventive care benefits, coverage for annual visits, or how your health insurance can support your family’s back-to-school needs, contact our office. We’re here to help you make the most of your coverage. ... See MoreSee Less

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Cheryl Cloke Agency

2 weeks ago

Medicare questions are easier to resolve when you know who to call.

From billing and claims to referrals and coverage questions, contacting the right place can save time, reduce errors, and keep everything moving smoothly. Swipe for contact details so you can get the answers you need, faster.

If you’re ever unsure where to start, our team is here to help you navigate your coverage with confidence. Give us a call today, and we can get started. ... See MoreSee Less

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Cheryl Cloke Agency