Frequently Asked Questions

Click on questions below to display the answers.
WHY SHOULD I BUY FROM THE GARY SMITH AGENCY VERSUS GOING DIRECT OR USING SOMEONE ELSE?

​We provide one on one personal attention.  If you have any future questions about your policy, claims, or need to make adjustments, you can talk to someone directly with ease.  No hold times or automated answering systems.  We personally answer the phone.  WE ARE A REAL BRICK AND MORTAR BUSINESS NOT WORKING FROM OUR HOUSE.

DOES OBAMACARE AFFECT MEDICARE?

​No! Obama care is for people age 64 and younger.

WHEN DO I NEED TO HAVE MY APPLICATION SUBMITTED FOR MEDICARE SUPPLEMENT INSURANCE PLAN?

​​We need to have your application submitted 30 days before your Medicare takes effect.

WILL I INCUR A PENALTY FOR NOT HAVING A PRESCRIPTION DRUG PLAN?

Yes, you will incur a 1% penalty per month added to your drug plan premium.  

Note: If you have Tricare, VA or Group Health Coverage the penalty could be waived.

IF I USE GARY SMITH WILL I INCUR A HIGHER PREMIUM?

​No! The premiums we quote are the exact same prices the insurance company quotes. Your premium will be paid directly to the insurance company. There will be no additional charges or up-charges to have a local agent.

WHEN SHOULD I START RESEARCHING MY MEDICARE OPTIONS?

You should start researching your options 60 to 180 days in advance of your 65th birthday or retirement date.

WHEN IS ANNUAL ENROLLMENT?

October 15th thru December 7th of each year.  ​You may enroll, make changes, and compare Drug Plans and Medicare Advantage Plans. Those policies will be effective January 1 of the following year.