Health Care Plans & Insurance
Protection for your health and your finances
Choosing the right health care plan and insurance can be important to your personal and financial well-being. Interested in Medicare Supplement Insurance (Medigap)? Start here.
Your coverage options
Through multiple insurance carriers, the following options are available.
Medicare Supplement Insurance Plans are offered by licensed insurance agents affiliated with PTT Financial, LLC and not through Ameriprise Financial Services, LLC.
Medicare Supplement Insurance Plans
Are you approaching your 65th birthday — or older?
A Medicare Supplement Insurance Plan can help to pay some costs not covered by Medicare, such as copayments, coinsurance and deductibles.
Let your local, licensed insurance agents help you explore your options, whether you’re newly eligible to enroll or are preparing for the next annual Medicare Open Enrollment Period which is October 15 – December 7.
Long-Term Care Insurance Policies
As we grow older, the costs of health care continue to rise — making long-term care insurance a potentially wise investment in yourself.
Should you suffer an illness, disability or a debilitating disease such as Alzheimer’s, this type of coverage can help not only cover those costs but also stretch your retirement dollars.
Schedule an appointment with a financial advisor to learn more about long-term care insurance policies offered through RBFCU Investments Group.
Life Insurance Policies
Whatever your age, with the right whole or term life insurance coverage in place, you may be able to protect your family financially for years to come.
Or, if you prefer, you can name a friend, charity or non-profit organization as your beneficiary.
The choice is yours.
Again, an appointment with an RBFCU Investments Group financial advisor is a great place to start exploring coverage.
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When can I purchase a Medicare Supplement Insurance Plan?
You can buy a Medicare Supplement Insurance (Medigap) Plan any time after you turn 65 and join Medicare Part B. If you enroll in an insurance plan during your Medicare Open Enrollment Period, the first 6 months your Part B is active, your medical history is not considered in setting your premium.
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How do I sign up for a Medicare Supplement Insurance Plan?
For more information on how to join, contact 1-833-291-1309.
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Can I make changes to my Medicare Supplement Insurance coverage?
You can drop your policy and apply for another Medicare Supplement Insurance Plan at any time. However, after your Medicare Open Enrollment Period ends, insurers can refuse coverage or charge you a higher premium based on your health and/or make you wait to get coverage for an existing illness.
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How can I obtain a copy of 'Medicare & You,' the official guide to Medicare?
The “Medicare and You” handbook is printed and mailed to all Medicare-eligible households in late September each year. You can, however, download or request replacement copies in different formats and languages via the Medicare.gov website.
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Do I need Original Medicare or a Medicare Advantage plan if I have coverage through the VA?
The VA encourages individuals with VA health care benefits to sign up for Medicare as soon as you can (e.g., when you turn 65) for several important reasons. Our local, licensed insurance agents are well-versed in this and other Medicare topics and they can answer your specific questions. Schedule your no-cost, no-obligation appointment to speak with them today.
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I like my current Medicare Advantage plan. Do you have tips on making the most of it?
To be sure you’re getting the most from your Medicare Advantage plan, there are a few things you can do. Review changes to your additional benefits each year, as in some years, costs may increase or decrease or there may be changes to which providers the plan partners with for those services. Check to see if your plan offers a rewards program offering incentives for things you’re doing already (e.g., attending your annual wellness exam). Additionally, learn if your plan offers fitness benefits (e.g., gym memberships or exercise equipment) and/or over-the-counter benefits that provide an allowance for use in their online store or in your local pharmacy for over-the-counter vitamins and medications.
Our local, licensed insurance agents are well-versed in this and other Medicare topics and they can answer your specific questions. Schedule your no-cost, no-obligation appointment to speak with them today.
Page last updated May 2024
Medicare Supplement Insurance Plans, or Medigap Insurance Plans, and Medicare Advantage Plans are offered by certain agents of Randolph-Brooks Federal Credit Union (RBFCU) through PTT Financial, LLC, and not through or in association with Ameriprise Financial Services, LLC. Ameriprise Financial Services, LLC is not affiliated with PTT Financial, LLC.
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 your options.
Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.
Ameriprise Financial Services has a partnership with this financial institution to provide financial planning services and solutions to clients. The financial institution is not an investment client of Ameriprise but has a revenue sharing relationship with us that creates a conflict of interest. Details on how we work together can be found on ameriprise.com/sec-disclosure.
Before you purchase long-term care insurance or life insurance, be sure to ask your financial advisor about the policy’s features, benefits, risks and fees, and whether it is appropriate for you, based upon your financial situation and objectives.
All guarantees are subject to the claims paying ability of the issuing insurance company.
Ameriprise Financial is not affiliated with the financial institution.
RBFCU Investments Group is a financial advisory practice of Ameriprise Financial Services, LLC.
Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.
Not connected with or endorsed by the United States government or the federal Medicare program. This is a solicitation of insurance. A licensed insurance agent/producer may contact you.
RBFCU Investments Group LLC is a wholly-owned subsidiary of RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU).
Each insurer has sole financial responsibility for its own products.
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