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Medicare Eligibility Essential Information To Be Aware Of

Medicare Eligibility: Essential Information To Be Aware Of

Understanding Medicare eligibility can be a daunting task, but it’s an essential part of planning for your healthcare needs. With so many different rules and regulations, it can be difficult to know where to start. In this post, we’ll decode Medicare eligibility for you, so you can make informed decisions about your healthcare. We’ll cover everything from age requirements to enrollment periods and explain the different parts of Medicare, including Part A, Part B, Part C, and Part D. Whether you’re approaching retirement age or just want to plan ahead, this guide will give you the knowledge you need to navigate the complex world of Medicare eligibility. So, let’s get started!

Introduction to Medicare and its importance

Medicare plays a crucial role in providing healthcare coverage for millions of individuals in the United States, particularly those aged 65 and older. Understanding the ins and outs of Medicare eligibility is essential for anyone approaching this milestone or helping a loved one navigate the complexities of healthcare in their golden years.

Medicare is a federal health insurance program designed to ensure that seniors have access to affordable healthcare options. It provides coverage for a variety of medical services, including hospital stays, doctor visits, prescription drugs, and preventive care. Medicare is divided into different parts, each serving a specific purpose and catering to different healthcare needs.

The importance of Medicare cannot be overstated. For many seniors, Medicare is their primary source of health coverage, giving them peace of mind and financial protection in the face of medical expenses. It provides a safety net that allows older adults to receive the necessary care without worrying about bankrupting themselves or burdening their families.

Navigating the world of Medicare can be daunting, as eligibility requirements and enrollment processes can be complex. This blog post aims to decode the basics of Medicare eligibility, helping you gain a clear understanding of who qualifies for this vital healthcare program and what steps need to be taken to ensure proper enrollment.

Understanding the different parts of Medicare

Understanding the different parts of Medicare is crucial for anyone navigating the complex world of healthcare coverage. Medicare is divided into several parts, each serving a specific purpose. Let’s break down these parts to help you gain a clear understanding of what they entail.

Medicare Eligibility Essential Information To Be Aware Of

a. Medicare Part A: Hospital insurance

Medicare Part A, also known as hospital insurance, is a vital component of the Medicare program. It provides coverage for inpatient hospital stays, skilled nursing facility care, hospice care, and limited home health care services. Understanding the eligibility requirements and benefits of Medicare Part A is crucial for individuals approaching the age of 65 or those with certain disabilities.

To be eligible for Medicare Part A, you must meet specific criteria. Most people qualify for premium-free Part A coverage if they have worked and paid Medicare taxes for at least 10 years, which is equivalent to 40 quarters. This is often referred to as having “earned” their Part A coverage. If you haven’t met the required number of quarters, you can still enroll in Part A, but you may have to pay a monthly premium.

Part A coverage is automatically granted to individuals who receive Social Security or Railroad Retirement Board benefits for at least four months before turning 65. For those with end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS), eligibility for Medicare Part A begins immediately upon diagnosis, regardless of age.

Once enrolled in Medicare Part A, beneficiaries gain access to a range of hospital-related services. This includes coverage for hospital stays, where Medicare pays for a semi-private room, meals, general nursing care, and various hospital services and supplies. It also covers skilled nursing facility care if it is medically necessary and follows a hospital stay of at least three days.

Part A provides coverage for hospice care, which focuses on providing comfort and support to individuals with a terminal illness. This includes medical and support services, prescription drugs, respite care, and grief counseling. Limited home health care services are also covered under Part A, such as part-time skilled nursing care, therapy, and assistance with daily activities.

b. Medicare Part B: Medical insurance

To be eligible for Medicare Part B, individuals must meet the general requirements set by the Centers for Medicare & Medicaid Services (CMS). Typically, individuals who are eligible for Medicare Part A, which covers hospital insurance, are also eligible for Part B. It’s important to note that Part B is not automatic, and individuals need to actively enroll during their Initial Enrollment Period (IEP).

Medicare Part B covers a variety of services critical to maintaining good health. These include doctor visits, preventive services like screenings and vaccinations, outpatient care, durable medical equipment, and certain diagnostic tests. It also covers ambulance services, mental health services, physical therapy, and limited prescription drugs administered in outpatient settings.

It is worth mentioning that Medicare Part B involves costs that beneficiaries need to be aware of. There is a standard monthly premium, which can vary based on an individual’s income. Additionally, there is an annual deductible that must be met before Medicare coverage begins. After meeting the deductible, beneficiaries typically pay 20% of the Medicare-approved amount for most covered services.

It is important to carefully evaluate your healthcare needs and consider the costs associated with Medicare Part B when making enrollment decisions. For some individuals who have employer or union coverage, delaying enrollment in Part B may be a viable option to avoid unnecessary costs.

c. Medicare Part C: Medicare Advantage plans

Medicare Part C, also known as Medicare Advantage plans, is an alternative way to receive your Medicare benefits. These plans are offered by private insurance companies approved by Medicare. They combine the coverage of Medicare Parts A and B, and often include additional benefits such as prescription drug coverage, dental, vision, and hearing services, and even fitness programs.

One of the key advantages of Medicare Advantage plans is that they often provide more comprehensive coverage than Original Medicare alone. Some plans may have lower out-of-pocket costs, including copayments and deductibles, making them an attractive option for individuals who require frequent medical services. Additionally, Medicare Advantage plans may also offer services that are not covered by Original Medicare, such as routine dental or vision care.

It’s important to note that Medicare Advantage plans have a network of healthcare providers. This means that you will need to choose healthcare providers within the plan’s network to receive the full benefits of the plan. However, emergency and urgent care services are usually covered outside of the network.

To enroll in a Medicare Advantage plan, you must first be eligible for Medicare and reside in the plan’s service area. You can usually enroll during the initial enrollment period when you first become eligible for Medicare, or during the annual enrollment period which typically runs from October 15th to December 7th each year.

When considering a Medicare Advantage plan, it’s crucial to carefully review the plan’s coverage, network of providers, and costs. Each plan may have different premiums, copayments, and deductibles, so it’s essential to choose a plan that best fits your healthcare needs and budget.

d. Medicare Part D: Prescription drug coverage

Medicare Part D offers assistance in covering the costs of prescription drugs, including both brand-name and generic medications. This coverage is provided through private insurance companies that are approved by Medicare, and it is available as a standalone plan or as part of a Medicare Advantage plan.

Understanding the intricacies of Medicare Part D can be overwhelming, but it is imperative to familiarize yourself with the details in order to make informed decisions about your healthcare. Each Part D plan has its own list of covered medications, known as a formulary, which is categorized into different tiers that determine the cost-sharing structure.

When enrolling in Medicare Part D, it is crucial to carefully review the formulary and assess whether your current prescription medications are covered. Additionally, it is important to consider the cost-sharing structure, including the premiums, deductibles, and co-payments associated with the plan.

To ensure that you have access to the medications you need at an affordable cost, it is recommended to compare different Part D plans based on your specific prescriptions and budget. This can be done through the Medicare Plan Finder tool or by seeking assistance from a Medicare counselor or insurance broker.

Medicare Part D also incorporates the concept of the “donut hole” or coverage gap. Once you reach a certain threshold of prescription drug expenses, you may enter the coverage gap, where you may be responsible for a higher portion of the drug costs. However, it is essential to note that recent changes in the law have gradually reduced the coverage gap, providing more relief for beneficiaries.

Age-based eligibility for Medicare

Age-based eligibility for Medicare is a crucial aspect to understand for individuals approaching retirement or those who are already in their golden years. In the United States, the age-based eligibility criteria for Medicare is set at 65 years old. This means that once you reach this milestone age, you become eligible for Medicare benefits.

Medicare Eligibility Essential Information To Be Aware Of

a. Turning 65 and enrolling in Medicare

When you turn 65, you become eligible for Medicare, which is divided into different parts to cover various aspects of healthcare. It’s important to note that enrolling in Medicare is not automatic. You need to take the necessary steps to enroll and choose the coverage options that best suit your needs.

The first step is to determine when you want your coverage to start. The Initial Enrollment Period (IEP) begins three months before your 65th birthday month and lasts for seven months. It is recommended to enroll during this period to avoid any gaps in coverage. However, if you missed your IEP, there are other enrollment periods available, such as the General Enrollment Period and Special Enrollment Period, although late enrollment penalties may apply.

Next, you need to decide which parts of Medicare you want to enroll in. Medicare is divided into Part A, which covers hospital insurance, and Part B, which covers medical insurance. While Part A is usually premium-free for most individuals, Part B requires a monthly premium payment. It’s essential to evaluate your healthcare needs and consider factors such as existing coverage, anticipated medical expenses, and prescription drug needs to determine if you need additional coverage, such as Medicare Advantage (Part C) or Prescription Drug Plans (Part D).

Enrolling in Medicare is a crucial decision that can impact your healthcare coverage and expenses for years to come. It’s recommended to research and compare different plans, consult with healthcare professionals, and take advantage of resources available, such as the official Medicare website or local Medicare counseling services.

b. Special circumstances for early eligibility

While the standard age of eligibility for Medicare is 65, there are special circumstances that may allow individuals to qualify for Medicare before reaching this milestone. These special circumstances are designed to accommodate individuals who may have specific medical or financial needs that require them to access Medicare benefits earlier.

One such circumstance is for individuals with disabilities. If you have been receiving Social Security Disability Insurance (SSDI) benefits for at least 24 months, you automatically become eligible for Medicare. This provision ensures that individuals with disabilities have access to the necessary healthcare coverage.

Another special circumstance for early eligibility is for those diagnosed with End-Stage Renal Disease (ESRD). ESRD is a condition in which the kidneys function at less than 10% capacity, requiring dialysis or a kidney transplant. In such cases, individuals can qualify for Medicare, regardless of their age, as long as they meet specific criteria.

Additionally, individuals who have been diagnosed with Amyotrophic Lateral Sclerosis (ALS), also known as Lou Gehrig’s disease, are eligible for Medicare immediately upon receiving their SSDI benefits. This expedited eligibility recognizes the progressive nature of the disease and the urgent need for healthcare coverage.

It’s important to note that while these special circumstances allow for early eligibility, they come with their own set of rules and requirements. Understanding these rules and how they apply to your situation is crucial to ensure you receive the necessary healthcare coverage when needed.

c. Delaying enrollment and the associated penalties

Medicare eligibility typically begins at age 65, and it is important to enroll during the initial enrollment period to avoid any penalties. This initial enrollment period lasts for seven months, starting three months before your 65th birthday month and ending three months after.

However, there are situations where individuals may choose to delay their enrollment in Medicare. For example, if you are still covered under an employer-sponsored health plan or have coverage through a spouse’s employer, you may decide to delay enrolling in Medicare Part B, which covers outpatient services and medical supplies.

It is crucial to carefully evaluate your situation before deciding to delay enrollment. While delaying may seem convenient, it is important to consider the potential penalties that could be incurred. For each 12-month period that you are eligible for Medicare Part B but didn’t enroll, a late enrollment penalty can be applied to your premium. This penalty can result in a higher premium for as long as you have Medicare.

Additionally, delaying enrollment could also lead to gaps in coverage, leaving you without certain healthcare benefits during that time. It is crucial to assess your healthcare needs and weigh the potential benefits and drawbacks of delaying enrollment.

To make an informed decision, it is highly recommended to consult with a Medicare expert or a trusted healthcare professional who can provide personalized guidance based on your specific circumstances. They can help you navigate the complexities of Medicare eligibility and ensure that you make the best choice for your healthcare needs.

Eligibility for Medicare due to disability

Eligibility for Medicare due to disability is a crucial aspect to understand for those who may find themselves in this situation. The Medicare program provides essential healthcare coverage for individuals who have certain disabilities and meet specific requirements.

a. Qualifying for Medicare under Social Security Disability Insurance (SSDI)

To be eligible for Medicare under SSDI, you must first meet the eligibility criteria for Social Security Disability Insurance benefits. This means that you must have a disability that prevents you from engaging in substantial gainful activity (SGA) and is expected to last for at least 12 months or result in death. In addition, you must have worked and paid Social Security taxes for a certain period of time to qualify for SSDI benefits.

Once you have been approved for SSDI benefits, there is a waiting period of 24 months before you become eligible for Medicare coverage. During this waiting period, it is important to explore other health insurance options to ensure you have adequate coverage for your medical needs.

When the 24-month waiting period ends, you will automatically be enrolled in Medicare Part A, which covers hospital stays, skilled nursing care, and some home health services. You will also have the option to enroll in Medicare Part B, which covers doctor visits, outpatient care, and medical supplies, but this requires paying a monthly premium.

It is worth noting that individuals with end-stage renal disease (ESRD) may qualify for Medicare under SSDI before the 24-month waiting period, if certain conditions are met.

b. Qualifying for Medicare under End-Stage Renal Disease (ESRD)

To be eligible for Medicare coverage under ESRD, there are certain criteria that need to be met. First and foremost, you must have been diagnosed with ESRD and either be receiving dialysis treatments or have received a kidney transplant. Additionally, you must be a U.S. citizen or a legal resident who has lived in the country for at least five continuous years.

It’s important to note that Medicare coverage for ESRD has some unique aspects compared to other Medicare categories. For instance, you can be eligible for Medicare regardless of your age if you meet the ESRD requirements. This means that even if you are under the age of 65, you may still qualify for Medicare coverage if you have ESRD.

Once you meet the eligibility criteria for ESRD, you will be able to enroll in Medicare. Medicare coverage under ESRD includes Part A (hospital insurance), Part B (medical insurance), and Part D (prescription drug coverage). It’s essential to understand the specific benefits and limitations of each part to ensure you make the most informed decisions about your healthcare coverage.

Understanding Medicare enrollment periods

Understanding Medicare enrollment periods is crucial when it comes to navigating the complexities of Medicare eligibility. These enrollment periods dictate when you can enroll in Medicare and make changes to your coverage. It’s important to familiarize yourself with these periods to ensure you don’t miss out on important deadlines and opportunities.

Medicare Eligibility Essential Information To Be Aware Of

a. Initial Enrollment Period (IEP)

The IEP begins three months before your 65th birthday month and extends for a total of seven months. This gives you ample time to gather information, compare plans, and make informed choices. During this period, you have the option to enroll in Original Medicare, which includes Part A (hospital insurance) and Part B (medical insurance), as well as additional coverage such as Medicare Advantage (Part C) or prescription drug coverage (Part D).

It’s important to note that if you miss your IEP, you may face penalties and have to wait for the General Enrollment Period, which occurs annually from January 1st to March 31st. This delay could result in a gap in coverage and potential financial implications.

To ensure you make the most of your IEP, consider the following tips. First, familiarize yourself with the Medicare options available in your area. Research the coverage, costs, and benefits of each plan to determine which one aligns with your healthcare needs.

Next, gather the necessary documentation required for enrollment, including proof of age and citizenship. Being prepared with the necessary paperwork will streamline the process and prevent any delays.

Additionally, it’s advisable to seek guidance from a Medicare counselor or insurance agent who can provide personalized assistance. They can help navigate the complexities of Medicare, explain the various options available, and help you choose the best plan based on your individual circumstances.

b. General Enrollment Period (GEP)

One thing to note about the General Enrollment Period is that there may be late penalties associated with signing up during this time. If you missed your Initial Enrollment Period and did not qualify for a Special Enrollment Period (SEP), it is crucial to take advantage of the General Enrollment Period to avoid any potential penalties.

During the General Enrollment Period, individuals have the opportunity to enroll in Medicare Part A (hospital insurance) and/or Part B (medical insurance). It is essential to carefully consider your healthcare needs and understand the coverage provided by each part before making a decision.

It is important to keep in mind that coverage for Part A will typically begin on July 1st of the year you enroll, while coverage for Part B may have a longer waiting period. It is advisable to enroll as soon as you are eligible to ensure timely coverage.

To enroll during the General Enrollment Period, you can do so by visiting the official Medicare website, calling the Social Security Administration, or visiting your local Social Security office. It is recommended to gather all the necessary documents and information beforehand to make the process smoother.

c. Special Enrollment Period (SEP)

During the SEP, individuals have the chance to enroll in or make changes to their Medicare coverage outside of the regular enrollment periods. This allows them to access the necessary healthcare benefits they need without facing any penalties or delays.

There are various circumstances that may trigger a Special Enrollment Period, such as:

1. Moving:
If you have recently moved to a new location outside your current plan’s service area, you may be eligible for a SEP. This allows you to choose a new Medicare plan that caters to your new location’s healthcare providers and facilities.

2. Losing Employer Coverage:
If you have lost your employer-sponsored health coverage, whether due to retirement, termination, or reduction in work hours, you may qualify for a SEP. This enables you to enroll in Medicare without any gaps in your healthcare coverage.

3. Losing Other Health Coverage:
If you had coverage through a private insurance plan, Medicaid, or any other healthcare program, and that coverage is no longer available, you may be eligible for a SEP. This ensures that you can transition seamlessly into Medicare without experiencing any lapses in coverage.

4. Qualifying for Extra Help:
If you have limited income and resources and qualify for the Extra Help program, which assists with prescription drug costs, you may be eligible for a SEP. This allows you to enroll in or switch your Medicare Part D prescription drug plan to access the necessary assistance.

Eligibility for Medicare for non-U.S. citizens or legal residents

For non-U.S. citizens, eligibility for Medicare depends on various factors such as immigration status and the number of years they have legally resided in the United States. Generally, non-U.S. citizens who are permanent residents (holding a green card) and have lived in the U.S. for at least five continuous years may be eligible for Medicare benefits.

Medicare Eligibility Essential Information To Be Aware Of

a. Green card holders and Medicare eligibility

In general, green card holders are eligible for Medicare if they meet certain requirements. The first and foremost requirement is that they must be at least 65 years old. However, there are exceptions for those who have disabilities or end-stage renal disease, regardless of their age.

To be eligible for Medicare, green card holders must have lived in the United States continuously for at least five years. This period of residency is calculated from the date they were granted permanent residency status. It’s important to note that this requirement applies to the time spent physically residing in the country, rather than the total duration of possessing a green card.

It’s worth mentioning that green card holders who do not meet the five-year continuous residency requirement may still be eligible for Medicare coverage in certain circumstances. For instance, if they are married to a U.S. citizen or have worked in the United States for at least ten years, they may qualify for Medicare benefits even with a shorter period of residency.

Once green card holders meet the necessary eligibility criteria, they can enroll in Medicare Part A (hospital insurance) and possibly Part B (medical insurance). It’s essential to understand the different parts of Medicare and their coverage options to make informed decisions about healthcare.

b. Non-citizens with qualified immigration status and Medicare

To qualify for Medicare as a non-citizen, you must meet certain criteria. First and foremost, you need to have legal immigration status in the United States. This can include being a lawful permanent resident, a refugee, an asylee, or someone with humanitarian parole.

It is important to note that Medicare eligibility for non-citizens may vary depending on the specific circumstances and immigration status. While some individuals may automatically qualify, others may need to meet additional requirements such as paying a premium for Medicare Part A coverage.

If you are a non-citizen with qualified immigration status, it is advisable to contact the Social Security Administration or visit their website to determine your eligibility for Medicare. They can provide you with detailed information and guide you through the enrollment process.


Understanding the ins and outs of Medicare eligibility can be a complex task, but with the information provided in this article, we hope to have shed some light on the subject. Remember, Medicare eligibility varies depending on various factors, so it is essential to stay informed and seek professional advice if needed. With this knowledge, you can navigate the Medicare system confidently and make informed decisions regarding your healthcare coverage. Thank you for reading, and we wish you a healthy and happy journey through Medicare!

Read more:
Medicare Enrollment: Everything You Need to Know
Medicare Benefits: Everything You Need to Learn
Medicare Coverage: Everything You Need To Know

TEAMedicare, LLC - Do Not Call Policy

If you do not want to receive sales calls from TEAMedicare, LLC or its related entities (“Company”), you can ask us to place your telephone number on our “Do Not Call” list.  In compliance with federal and state laws, we will document your request quickly (typically within 5-7 days).
Please allow up to 30 days for your telephone number to be removed from any sales programs and marketing campaigns that are currently underway.

  • Your request can be in writing, by e-mail, or by phone (see below for contact information), and must include, at a minimum, your telephone number.
  • If you have multiple telephone numbers, tell us all numbers that you want to be included on the list.
  • The Company will maintain the telephone number and, if provided, the name on the Company’s “Do Not Call” list for five (5) years, unless a request is made by the person to have the number removed.
  • If your telephone number ever changes, you must give us your new information for your “do not call” status to remain in effect.

When we solicit prospective customers, we also honor “do not call” requests on behalf of consumers listed on the National Do Not Call Registry maintained by the Federal Trade Commission and various state-agency lists.

Many state “Do Not Call” regulations permit companies to contact their own customers even though they are on these “Do Not Call” lists.

Therefore, if you are a customer, you may be contacted by us even though you are on a state or the national “do not call” list.  If you do not want to be contacted by Company even though you are a customer, simply follow the steps above to be placed on the Company “Do Not Call” list and your request will be honored.

Being on the Company “Do Not Call” list means that you will not receive sales calls by anybody representing our Company.

All employees that engage in outbound telephone solicitation are trained in this policy and are made aware of these procedures.  Management will review the policy with these employees on a regular basis.

The methods and procedures in this “Do Not Call” policy are reviewed by Company on a biannual basis.  If a consumer requests a copy of our “Do Not Call” policy, we will send a copy of this policy via U.S. mail or electronic mail.  The “Do Not Call” policy is also posted on the Company websites.

The Company respects the wishes of those customers and prospective customers who do not want to receive telephone solicitation calls from the Company.  It is the policy of the Company not to make a telephone solicitation call to any of the following:

  1. any person who has requested that the Company not make such calls to the person’s residence; or
  2. any person who has put his or her telephone number on a federal or state Do Not Call registry, except as otherwise permitted by law.

A “telephone solicitation call” means any call that is made for the purpose of encouraging the purchase of products and services from the Company.

Anyone may be placed on the Company’s Do Not Call List by:

  1. sending a written request to the Company at the following address:

    2608 S. 47th Street #C
    Tacoma, WA 98409;

  2. e-mailing the Company at: Teamedicare@outlook.com
  3. calling the Company at: 888-799-9919.

The request must provide the 10-digit telephone number that is not to be called and, if desired, the person’s name.

If a person’s telephone number changes, another request must be submitted to have the new number added to the Company’s Do Not Call list.

The Company intends to comply with all federal and state Do Not Call laws.  Any questions concerning the Company’s Do Not Call Policy may be directed to the contact addresses and numbers above.

The Federal Trade Commission also offers a free service to consumers allowing them to place their residential phone number on a National Do Not Call Registry.  This service is offered and maintained by the federal government, not by our Company.  Consumers may add their residential phone number to this list either by calling 888-382-1222 or by going to www.donotcall.gov.

Terms of Service

Licensing & Legal

Legal Terms & Conditions

Teamedicare.com is a service mark of TEAMedicare, LLC. All trademarks, service marks, trade names and logos displayed on this site are proprietary or licensed to TEAMedicare, LLC, except for those of the insurance carriers, agent, brokers, industry organizations, associations, health care institutions, and other service companies, which are service marks or trademarks of their respective entities. The name, trademarks, service marks and logos of HealthPlanOne LLC and any of the insurance companies represented by TEAMedicare LLC may not be used in any advertising or publicity, or otherwise for any commercial use by other insurance agent or brokers. Any such use is prohibited by federal trademark and copyright law. This site is a copyrighted publication of TEAMedicare, LLC. No portion of this site or any news or information displayed on this site may be published, broadcast, duplicated, photocopied, faxed, downloaded, uploaded, distributed, transmitted or redistributed in any way for any purpose without TEAMedicare, LLC’s prior express written permission. The content presented on this site is that of TEAMedicare, LLC and not necessarily that of the participating insurance carriers. However, certain content is presented by insurance carriers, agents, brokers, industry organizations, service providers and educational institutions, and that content is solely that of the respective entity providing the content.

General Disclaimer; No Warranties; Limited Liability

Teamedicare.com is a web site where small business and consumers can research various health insurance choices and health insurance companies. Not withstanding any language to the contrary, nothing contained herein constitutes nor is intended to constitute an offer, inducement, promise, or contract of any kind, or a recommendation to purchase insurance from any particular insurance company at any particular level of benefits or plan design. TEAMedicare LLC and its affiliates intend that the general and insurance specific information contained in on this web site be accurate and reliable, however, TEAMedicare LLC makes no representations as to the completeness, accuracy or timeliness of the web site materials and its links. TEAMedicare LLC periodically amends, changes, adds, delete, updates or alters the information, including with out limitation, the terms and conditions of use, at the web site without notice. To the full extent permissible by applicable law, the company disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. TEAMedicare LLC does not warrant that this site, its servers, or e-mail sent from the company are free of viruses or other harmful components. The company will not be liable for any damages of any kind arising from the use of this site, including, but not limited to direct, indirect, incidental, punitive, and consequential damages, even if the company is made aware of the possibility of such damages. TEAMedicare, LLC is not an insurance company. TEAMedicare LLC is not responsible for payment of any claims a user may have relating to insurance purchased through this site.

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This web site is brought to you by the following licensed brokers in each respective state, which require insurance transactions to be conducted through a licensed agent/broker. Each agent/ broker is associated with TEAMedicare, LLC.

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Privacy Policy

Thank you for your interest in TEAMedicare, LLC and its affiliated organizations and brands (“Company,” “we,” “us,” or “our”). This Privacy Policy (“Policy”) applies to the following websites owned and operated by Company, and our other websites where we post this document as the applicable Privacy Policy, along with any related websites, networks, applications, insurance agent and representative services, and communication channels (including online chat and telephone call centers)

You can learn about our commitment to privacy with this Policy describing how we collect, use, share and secure the personal information you provide. It also describes your choices regarding use, access and correction of your personal information.

At our Company, we are strongly committed to protecting your privacy.

To serve as your licensed insurance agent, we will ask you to provide us with personal information about you. We use your personal information to help you find and, if you choose to do so, apply for health insurance and other products that may be of interest to you and your family. We only use and disclose your personal information in accordance with our Policy. Additionally, we use advanced technologies to ensure the security and confidentiality of the personal information you provide us.

Throughout this Policy, we refer to information that can identify you as a specific individual, such as your name, phone number, email address, Social Security number, or credit card number, as “personal information”.

Further, personal information includes any information about your health or medical history that you may provide us in a health insurance application or any financial or other sensitive personal information that you may provide us in an application to obtain an advanced premium tax credit (or “subsidy”) determination from the government. If you provide information directly to one of our partners or any other third party, then your information would be governed by such other party’s privacy policy.

If you have questions or concerns regarding our privacy policy or practices, please contact us at TEAMedicare@Outlook.com

  1. We do not disclose your personal information to third parties, unless one of the following limited exceptions applies.

Insurance Companies, Licensed Agents, and Business Partners

If you submit an application for an insurance product offered by us, then we will disclose your personal information to your chosen insurance company to process your application. If you submit a request for information or an application for an insurance product offered through an insurance agent, agency or other business partner with whom we associate or contract, then we may disclose your personal information to that agent, agency or business partner to process your request for information or application or to otherwise provide you with information about insurance products (including contacting you by telephone, email, or otherwise to discuss insurance products in which you may be interested).
Please be assured that these partners are only allowed to use your personal information to process your requested quote, application or enrollment form and are legally obligated to maintain strict confidentiality.

Service Providers

We may disclose your personal information to other companies that help us to process or service any application you begin, process or submit through us, or to correspond with you. Please be assured that the companies we hire to process or service your insurance application or correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality.

Affinity Groups, and Benefits Administrators or Consultants

If you were referred to us by, or use our website or call center in connection with an affinity group, or other organization with which you may be affiliated (or a benefits administrator or consultant associated with such employer, group or organization), we may disclose your personal information to such group, organization, administrator and/or consultant. For example, we may inform such group, organization, administrator and/or consultant whether or not you have enrolled in a plan. Please be assured that these parties are only allowed to use your personal information as permitted by applicable law.

Legal Obligations

In certain situations, Company may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
We may also disclose your personal information as required by law, such as to comply with a subpoena, or similar legal process. We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities, to resolve consumer disputes, to protect our rights, to protect your safety or the safety of others, to investigate fraud, or to otherwise respond to a government request.

Business Transition

If Company is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

Your Consent

If you provide us an indication of your consent to disclose, share or use your personal information in connection with a third party, we may disclose, share or use your personal information in that manner. For example, if you opt in to our social media mailing lists and promotional updates, then we may disclose your relevant personal information to social media platforms where Company has a corporate account for the purpose of adding you to Company’s social media mailing and promotional update lists. Generally in such a situation, the social media platforms are not allowed to use your personal information for their own purposes unless you have a direct account on such social media platforms, in which case your personal information would be handled by the social media platforms in accordance with the social media platforms’ privacy policies.

Your Requests for Products

If you request to be contacted about any type of insurance product, request to be contacted by a licensed agent or other representative, request assistance with enrolling in any type of insurance product or make any other request for someone to contact you (such as by filling out an online request form), then our agents or representatives may contact you, or we may disclose your personal information to a third-party insurance agency, insurance agent, insurance company or other appropriate entity, so that such entity may contact you about any product in which you indicated interest or may assist you in enrolling in any such product. Any additional information that you subsequently choose to provide to any third-party entity will be governed by that entity’s privacy policy.

Outside of these exceptions, we will not sell, trade or share your personal information with third parties.

  1. We collect personal information in the normal course of business in order to process your insurance application and to serve you better.

Registering With Us

We begin collecting personal information from you when you provide it to us on our websites.

Registering With Our Business Partners

We may obtain collecting personal information from you when you provide it to our business partners on their websites.  They may then provide it to us with the consent you provide to them on their websites when you submit the information through their submission process

Applying for Health Insurance and Other Products

If you apply for a health insurance or other product through our website, we may ask you to provide us with personal information and/or health information relating to you and any family member who will be included on your application. This information will be used by your chosen insurance company, agent, or other person or entity to process your application.

Providing you with a quote or processing your application

We may use your personal information to get in touch with you when necessary to process your application or to provide you with a quote. For example, emails may be sent to you throughout the application process to inform you of the status of your application and to seek additional information that is requested as part of the application.

We may also use phone numbers you provide to send you telephone or text messages about your application or account, and such messages may be automatically sent with an autodialer, an artificial or prerecorded voice, or other automation technology.

Third Party Data

We may receive information about you from other sources, including publicly available databases or third parties from whom we have obtained data, and combine this data with information we already have about you. This helps us to update, expand and analyze our records, identify new customers, and provide products and services that may be of interest to you. Examples of the types of personal information that may be obtained from public sources or third parties and combined with information we already have about you, may include: (a) address information from third party sources to verify your address so we can properly communicate with you and to prevent fraud and/or (b) data about our customers from third parties that is combined with information we already have about you, to create more tailored advertising and products.

Customer satisfaction, referrals and other products

We, our wholly-owned subsidiaries, or other third party entity may contact you to survey your satisfaction of our service, refer our products and services to other people, and/or to inform you of additional products and services. You may opt out of receiving these additional communications from us by following the opt-out procedures below.

Collection and Use of 3rd party Personal Information:

You may also provide personal information about other people, such as their name, date of birth and gender. This information is only used for the sole purpose of completing your request or for whatever reason it may have been provided. 

  1. We gather non-directly identifying information about you for our internal purposes, and we may share this non-directly identifying information with third parties.
  • As is true of most web sites, we may gather certain information automatically or systematically and store it in log files. This information may include aggregate demographic information such as the number of visitors to our website from a particular state or browser information such as browser type, device type, geographic region, IP address, and other non-directly identifying information. We may combine this automatically or systematically collected data with other information we collect about you. We may do this to improve or optimize our services, marketing, analytics, site functionality, service offerings, or for other business needs.
  • The strict restrictions we have in place for personal information do not necessarily apply to non-directly identifying information. Because non-directly identifying information is designed to not directly identify individuals, if we change the way we use such information after we have collected it, we may be unable to contact you to notify you of such change.
  • We use non-directly identifying information primarily for marketing purposes and to improve our websites and the services we offer you, and we may disclose this information to third parties.
  • We may use cookies, clear gifs, Internet Protocol or IP addresses, tracking pixels, page tags and other similar monitoring technologies to gather non-directly identifying information. For a more detailed discussion on cookies and clear gifs, please see below. Because such technologies develop quickly, we are not limited to using only the technologies described in this policy for collecting or handling this type of information.
  1. We protect the confidentiality and security of your personal information.
  • We maintain generally accepted standards for physical, electronic and procedural safeguards to protect your personal information.
  • For a more detailed discussion of the electronic safeguards on our website, please see below.
  1. We continue to evaluate our efforts to protect your personal information and make every effort to keep your personal information accurate and up to date.
  • Upon request Company will provide you with information about whether we hold any of your personal information. If your personal information changes, or if you otherwise want to correct, update or delete your personal information held by us, you may contact us by email at TEAMedicare@Outlook.com or by mail at:

TEAMedicare, LLC
Privacy Officer
2608 S. 47th Street #C
Tacoma, WA 98409

  • We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
  • Please note that once your application has been submitted to your chosen health insurance company or any other relevant party (such as the federal government in the case of an application involving advanced premium tax credits) you may have to contact the insurance company or such other party directly to update your application.
  1. We will provide notice of changes in our personal information privacy practices.
  • If we are going to use your personal information in a manner materially different from that stated at the time of collection, we will notify you via email (sent to the email address specified in your account) or by means of a notice on the website prior to the change becoming effective. You will have a choice as to whether or not we use your personal information in this different manner.
  • If we make any material changes to our personal information privacy practices that do not affect the personal information already stored in our database, we will notify users of the change in the privacy portion of our website.
  1. You may opt out of receiving satisfaction surveys and/or information on additional products and services from us.
  • We may contact you to survey your satisfaction of our service and/or to inform you of additional products and services.
  • If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or you can contact us at



  • If you want to opt out of these surveys and/or notices, you may contact us by email at


     or by mail at:

TEAMedicare , LLC
2608 S. 47th Street #C
Tacoma, WA 98409

  • Please note that you will still receive communications from us regarding your insurance quote, application, or policy even if you opt out of receiving our surveys and/or notices of additional products and services.
  • We are available to answer any questions you may have about our privacy policy or our information privacy practices. If you have any questions, please email us at Teamedicare@outlook.com. We will respond to your questions within 30 days.
  1. This privacy policy applies to the websites listed above, and may not apply to other websites that are owned and/or operated by Company.
  • The information privacy practices described in this privacy policy apply only to information provided to us through this website and those websites listed above as well as information provided to us from you when we directly communicate with you. Accordingly, all of the personal information you submit to us shall be governed by this privacy policy. Additionally, all of the non-directly identifying information collected from this website shall be governed by this privacy policy.
  • If you are returning to complete an application that you initiated on another website that is owned or operated by Company (e.g., a partner co-branded website), this privacy policy may not apply. Please review the privacy policy of the website on which you initiated your application to learn about the information privacy practices that apply to the personal information you submit to us.
  • If you want your personal information to be subject to the information privacy practices described in this website’s privacy policy, you may initiate a new application on this website.

Additional Information About Privacy and Security at Company

Tracking technologies

Cookies or similar technologies are used by us and our business and marketing partners, affiliates, and/or analytics or service providers. These technologies are used in analyzing trends, administering this and other sites, tracking users’ movements around this site and other sites, customizing content on this and other sites, and gathering information about our user base. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

We use cookies on our site for various purposes such as user authentication, user preferences, our shopping experience, and customizing user experiences. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.

We use Local Storage, such as HTML5, to store content information and preferences. Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use Local Storage Objects (LSOs) such as HTML 5 or Flash to collect and store information. Various browsers may offer their own management tools for removing HTML5 LSOs.

Behavioral Targeting / Re-Targeting / Do-Not-Track

We partner with one or more third party ad networks to manage and display advertising to visitors on our website and to manage and display advertising viewed by visitors on other sites. Our ad network partner(s) may use cookies or similar technologies to collect information about your activities on this and other websites to provide you targeted advertising based upon your interests and browsing patterns.

Such activity is often called behavioral targeting or re-targeting, and this may change the ads or other features you see on our website or other websites that you visit. If you wish to not have this information used for the purpose of serving you targeted ads, you may opt-out of specific re-targeting programs by contacting us at Teamedicare@outlook.com.

These opt-out programs may not be designed to work for all advertising networks or methods. Your browser may also have settings to reduce re-targeting, such as switching to (In)private or incognito browsing mode or a mode that does not accept cookies.

Currently, our site does not change its behavior based on receiving your browser’s “do-not-track” setting or signal. Please note that opting out of re-targeting does not opt you out of being served advertising. You will continue to receive generic ads instead of tailored ads.

Browsers and Internet Security

Any time you enter or provide personal information and sensitive information (such as credit card number and social security number) in our website, we encrypt it using Secure Socket Layer (“SSL”) technology. SSL protects information as it crosses the Internet. To support this technology, you need an SSL-capable browser. Company recommends using encryption at least as strong as the 128-bit encryption available in browsers such as recent versions of Microsoft’s Internet Explorer or Google’s Chrome browser. These browsers will activate SSL automatically whenever you begin shopping for a plan on our website and when you return to our website to complete an application.

In most browsers, you will see either a locked padlock or a key icon to indicate your session connection is taking place via a secure server. This icon indicates you are visiting a secure area within a website.

If you need a strong encryption browser, you can go to the Microsoft website or the Google website to download the latest Internet Explorer or Chrome browser. We do not recommend the use of beta browser versions.

No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us at Teamedicare@outlook.com

Security Risk of Using Non-Approved Automated Software Applications

For security reasons to guard the safety of your data, access to this website is limited to SSL-capable browsers such as recent versions of Microsoft’s Internet Explorer or Google’s Chrome. Under no circumstance should you use any software, program, application or any other device to access or log-in to the Company website, or to automate the process of obtaining, downloading, transferring or transmitting any content to or from our computer systems, website or proprietary software.

Links to Other Websites

Our website contains links to other websites. Please note that when you click on one of these links you are “clicking” to another website. Company is not responsible for the information privacy practices or the content of such websites. We encourage you to read the privacy policies of these linked websites as their information privacy practices may differ from ours.


We display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at Teamedicare@outlook.com.

Social Media Features and Widgets

Our website includes social media features, such as the Facebook Like button and Widgets, such as the Share this button or interactive mini-programs that run on our site. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our website. Your interactions with these features and widgets are governed by the privacy policy of the company providing it.

Contact Us

TEAMedicare Office:

2608 S. 47th Street #C
Tacoma, WA 98409