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Medicare Enrollment Everything You Need to Know

Medicare Enrollment: Everything You Need to Know

Making sense of Medicare enrollment can be a daunting task, especially for those who are new to it. With the numerous deadlines, complex rules, and confusing terminology, it’s easy to feel overwhelmed and confused. Yet, understanding the enrollment process is critical for ensuring that you have access to the health care services that you need. In this post, we’ll demystify Medicare enrollment by breaking it down into easy-to-understand steps. We’ll cover everything from eligibility requirements to enrollment periods and the different parts of Medicare. So, if you’re feeling lost and unsure about how to enroll in Medicare, keep reading. We’re here to help you navigate this complex system and make the enrollment process as smooth and stress-free as possible.

Introduction to Medicare enrollment

Enrolling in Medicare can be a complex and overwhelming process, but it is an essential step for individuals reaching the age of 65 or those who qualify due to certain disabilities. Understanding the ins and outs of Medicare enrollment is crucial to ensure you have access to the healthcare benefits you need.

Medicare is a federal health insurance program that provides coverage for individuals aged 65 and older, as well as younger individuals with specific disabilities or medical conditions. The program is divided into several parts, each serving a different purpose and covering different aspects of healthcare.

Medicare Part A, also known as Hospital Insurance, covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care services. Part B, or Medical Insurance, covers doctor visits, outpatient care, preventive services, and durable medical equipment. Both Part A and Part B are often referred to as Original Medicare.

To enroll in Medicare, you must meet certain eligibility requirements. Most individuals become eligible when they turn 65, but younger individuals with disabilities or end-stage renal disease (ESRD) may also qualify. It’s essential to understand the enrollment periods and deadlines to avoid any gaps in coverage or late enrollment penalties.

Initial Enrollment Period (IEP) is the first opportunity for most people to enroll in Medicare. It begins three months before your 65th birthday and ends three months after the month you turn 65. It’s crucial to enroll during this period to ensure your coverage starts on time.

General Enrollment Period (GEP) occurs annually from January 1st to March 31st, allowing individuals who missed their IEP to enroll. However, late enrollment penalties may apply for those who delay signing up without a qualifying reason.

Special Enrollment Periods (SEPs) are available to individuals who experience certain life events, such as retiring and losing employer-sponsored coverage or moving out of their current Medicare plan’s service area. These periods provide flexibility in enrollment outside the standard enrollment periods.

Understanding the different parts of Medicare

Medicare is divided into several parts, each providing coverage for specific healthcare services. Let’s break down these parts to help demystify the enrollment process.

Medicare Enrollment Everything You Need to Know

Part A, also known as Hospital Insurance, covers inpatient hospital care, skilled nursing facility care, hospice care, and some home healthcare services. Most people are automatically enrolled in Part A when they turn 65 or become eligible due to a disability.

Part B, or Medical Insurance, covers medical services like doctor visits, outpatient care, preventive services, and medical supplies. It’s important to note that there is a premium for Part B coverage, and you have the option to opt-out if you have other qualified coverage.

Part C, also called Medicare Advantage, is an alternative to Original Medicare (Parts A and B) offered by private insurance companies. Medicare Advantage plans often include prescription drug coverage and may offer additional benefits like dental, vision, and hearing coverage.

Part D focuses solely on prescription drug coverage. It can be added to Original Medicare or included in a Medicare Advantage plan. Part D plans are also offered by private insurance companies and have varying premiums, deductibles, and formularies.

Medicare eligibility requirements

Generally, individuals aged 65 and older are eligible for Medicare coverage. However, there are other factors that can make you eligible even if you’re not yet 65. For example, individuals with certain disabilities or those who have been diagnosed with end-stage renal disease (ESRD) may qualify for Medicare before reaching the age requirement.

To be eligible for Medicare, you or your spouse must have worked and paid Medicare taxes for at least 10 years. These taxes contribute to your Medicare Part A coverage, which primarily covers hospital stays and certain long-term care services.

It’s important to note that Medicare eligibility is not determined by income or asset limits. Unlike some other government assistance programs, Medicare is available to individuals regardless of their financial status. This means that even if you have a high income or significant assets, you can still be eligible for Medicare coverage.

Additionally, it’s crucial to understand the different parts of Medicare and their specific eligibility requirements. Medicare Part A, as mentioned earlier, is primarily based on your work history. Medicare Part B, which covers medical services and doctor visits, requires you to pay a monthly premium, and most individuals are eligible for Part B as long as they qualify for Part A.

Initial Enrollment Period (IEP) – When and how to enroll

The Initial Enrollment Period (IEP) is a crucial milestone for anyone looking to enroll in Medicare. It is the first opportunity for individuals to sign up for Medicare and secure their healthcare coverage. Understanding when and how to enroll during this period is essential to ensure a smooth transition into the Medicare system.

The IEP begins three months before an individual’s 65th birthday and continues for a total of seven months. This timeframe provides ample opportunity to gather necessary information, make informed decisions, and complete the enrollment process. It is important to note that if you miss your IEP, you may face penalties and delays in accessing Medicare coverage.

To enroll during the IEP, there are a few options available. One common method is to visit the official Social Security website and complete the online application. This streamlined process allows individuals to submit their information and select the type of Medicare coverage they desire. Alternatively, individuals can also call the Social Security Administration directly or schedule an appointment at their local Social Security office for in-person assistance.

Before enrolling, it is crucial to gather all the required documents and information. This may include proof of age, citizenship or legal residency status, and information about current healthcare coverage. Having these documents readily available will expedite the enrollment process and ensure that all necessary information is provided accurately.

During the IEP, individuals have the opportunity to choose between Original Medicare (Part A and Part B) or opt for a Medicare Advantage Plan (Part C) offered by private insurance companies. It is important to carefully review the available options, consider personal healthcare needs, and assess the costs and benefits associated with each choice.

Special Enrollment Periods (SEPs) – Qualifications and eligibility criteria

Special Enrollment Periods (SEPs) are a crucial aspect of Medicare enrollment that many individuals may not be aware of. These periods allow individuals to enroll in or make changes to their Medicare coverage outside of the standard enrollment periods.

Medicare Enrollment Everything You Need to Know

Qualifications and eligibility criteria for SEPs vary depending on specific circumstances. One common qualification is when individuals have experienced a life event that triggers a special enrollment opportunity. These life events include but are not limited to:

1. Losing current health coverage:
If you lose your employer-sponsored health coverage or your Medicaid coverage, you may be eligible for a SEP to enroll in Medicare.

2. Moving to a new location:
If you move to a different state or area that is not within your current plan’s service area, you may qualify for a SEP.

3. Changes in marital status:
If you get married or divorced, you may be eligible for a SEP to make changes to your Medicare coverage.

4. Gaining eligibility for Medicaid:
If you become eligible for Medicaid, you may have a SEP to enroll in Medicare.

5. Leaving a skilled nursing facility or long-term care:
Individuals who have resided in a skilled nursing facility or long-term care facility and are now leaving may be eligible for a SEP.

It’s important to note that each SEP has specific timeframes during which individuals can make changes to their Medicare coverage. These timeframes typically range from 60 days before the qualifying event to 60 days after the event.

To take advantage of a SEP, it’s crucial to understand your eligibility and the necessary documentation required to prove your qualifying life event. Consulting with a Medicare specialist or reaching out to the Social Security Administration can provide guidance and help navigate the process.

General Enrollment Period (GEP) – What to do if you missed your IEP

The General Enrollment Period (GEP) is a critical timeframe for those who missed their Initial Enrollment Period (IEP) for Medicare. If you didn’t sign up for Medicare Part A and/or Part B during your IEP, the GEP provides another opportunity to enroll in these parts of Medicare. It occurs annually from January 1st to March 31st.

During the General Enrollment Period, you can sign up for Medicare Parts A and B, even if you missed your IEP. However, it’s important to note that coverage will not begin immediately. If you enroll during the GEP, your coverage will start on July 1st of that year.

It’s crucial to be aware of the potential consequences of missing your IEP. Delaying enrollment can lead to late enrollment penalties, which could result in higher premiums for Part B coverage. Therefore, it is recommended to take advantage of the GEP if you missed your IEP to avoid these penalties.

To enroll during the General Enrollment Period, you can visit the Social Security Administration website or contact your local Social Security office for assistance. It’s important to gather all the necessary documents and information before initiating the enrollment process.

Medigap (Supplemental) Insurance – Enrollment options and benefits

Medigap insurance, also known as supplemental insurance, is an essential component of Medicare coverage. While Original Medicare (Part A and Part B) provides valuable health benefits, it may not cover all of your medical expenses. This is where Medigap insurance steps in to fill the gaps.

Medicare Enrollment Everything You Need to Know

Enrollment in Medigap plans is a separate process from enrolling in Medicare. It’s important to understand the enrollment options and benefits associated with Medigap insurance to make informed decisions about your healthcare coverage.

When it comes to enrollment, timing is crucial. The best time to enroll in a Medigap plan is during your Medigap Open Enrollment Period. This period begins on the first day of the month in which you turn 65 and are enrolled in Medicare Part B. During this six-month window, insurance companies are required to offer you a Medigap policy, regardless of any pre-existing conditions. Missing this enrollment period may result in higher premiums or even denial of coverage based on your health status.

One of the key benefits of Medigap insurance is its ability to cover costs that Medicare doesn’t pay for, such as deductibles, copayments, and coinsurance. Depending on the plan you choose, Medigap can provide a range of additional benefits, including coverage for emergency medical care when traveling abroad.

Another advantage of Medigap insurance is the freedom to choose any healthcare provider that accepts Medicare patients. Unlike some Medicare Advantage plans, Medigap plans typically don’t have network restrictions, allowing you to receive care from the doctors and specialists you prefer.

It’s important to note that Medigap insurance doesn’t cover prescription drugs. For prescription drug coverage, you’ll need to enroll in a separate Medicare Part D plan.

Understanding the costs associated with Medicare enrollment

Let’s talk about Medicare Part A. This part of Medicare typically doesn’t require a monthly premium for most people who have paid Medicare taxes while working. However, there are deductibles and coinsurance amounts that you may be responsible for. It’s essential to review the specific details of Part A coverage to understand these potential costs.

Moving on to Medicare Part B, this part does require a monthly premium. The premium amount is determined based on your income, and it can change annually. It’s worth noting that if you receive Social Security benefits, the premium for Part B is usually deducted from your benefits automatically.

Additionally, there is an annual deductible for Part B, which you must meet before Medicare starts covering your healthcare costs. After meeting the deductible, you will typically be responsible for paying 20% of the Medicare-approved amount for most services.

For prescription drug coverage, you have the option to enroll in a Medicare Part D plan. Part D plans are offered by private insurance companies approved by Medicare. These plans come with their own premiums, deductibles, copayments, and coinsurance amounts. It’s important to compare different Part D plans to find one that suits your medication needs and budget.

It’s worth mentioning that for individuals who want additional coverage beyond what Medicare Parts A and B offer, there are Medicare Advantage (Part C) plans available. These plans often include prescription drug coverage and may offer additional benefits like dental, vision, or hearing coverage. However, it’s important to carefully review the costs and coverage details of each Medicare Advantage plan before enrolling.

Navigating Medicare enrollment for individuals with disabilities

One important aspect to note is that individuals with disabilities may qualify for Medicare at a younger age than the standard eligibility of 65 years old. If you have been receiving Social Security Disability Insurance (SSDI) benefits for at least 24 months, you will automatically be enrolled in Medicare Parts A and B. This enrollment typically occurs in the 25th month of receiving SSDI benefits.

However, it is crucial to be aware of the initial enrollment period (IEP) and the general enrollment period (GEP) to make informed decisions about your coverage. The IEP is a seven-month period that begins three months before your 25th month of receiving SSDI benefits and ends three months after. During this time, you can choose to enroll in additional coverage, such as Medicare Advantage (Part C) or prescription drug coverage (Part D).

If you miss the IEP, the GEP occurs annually from January 1st to March 31st. During this period, you can enroll in Medicare Parts A and B or make changes to your existing coverage. However, it is important to note that late enrollment may result in penalties and gaps in coverage, so it is advisable to enroll during the IEP if possible.

Individuals with disabilities may also have access to other assistance programs, such as Medicaid or Medicare Savings Programs, which can help with Medicare premiums, deductibles, and other out-of-pocket costs. These programs vary by state, so it is crucial to research and understand the options available in your specific area.

Tips for a smooth Medicare enrollment experience

Here are some valuable tips to help you navigate through the Medicare enrollment process with ease.

Medicare Enrollment Everything You Need to Know

1. Start early:
It’s important to start the enrollment process early, especially if you’re nearing the age of eligibility. By giving yourself ample time, you can gather all the necessary information and documentation required for enrollment.

2. Understand the different parts of Medicare:
Medicare is divided into various parts, including Part A, Part B, Part C (Medicare Advantage), and Part D (prescription drug coverage). Take the time to understand the coverage and benefits provided by each part to make informed decisions during enrollment.

3. Research Medicare plans:
Medicare offers a range of plans from different providers. It’s essential to research and compare these plans to find the one that best suits your healthcare needs and budget. Consider factors such as coverage, network of doctors and hospitals, prescription drug coverage, and costs associated with each plan.

4. Seek professional assistance:
If you find the enrollment process overwhelming or confusing, don’t hesitate to seek help from professionals. Medicare counselors, insurance agents, or representatives from your State Health Insurance Assistance Program (SHIP) can provide guidance and answer any questions you may have.

5. Stay organized:
Keep all your important documents, such as your Social Security card, birth certificate, and proof of income, in a safe and easily accessible place. This will help streamline the enrollment process and ensure you have everything you need when completing the necessary paperwork.

6. Understand enrollment periods:
Medicare has specific enrollment periods, including the Initial Enrollment Period (IEP), Annual Enrollment Period (AEP), and Special Enrollment Periods (SEPs). Familiarize yourself with these periods and their respective deadlines to avoid any late enrollment penalties or gaps in coverage.

7. Review your coverage annually:
Medicare plans and options can change from year to year. It’s crucial to review your coverage annually during the AEP to ensure it still meets your healthcare needs. This is an opportunity to make changes or switch plans if necessary.


Navigating the world of Medicare can be confusing, but with the information provided in this article, we aimed to simplify the process for you. Whether you’re a soon-to-be retiree or someone who is helping a loved one with their Medicare enrollment, understanding the ins and outs of the process is crucial. Remember, knowledge is power, and now you have all the tools you need to confidently enroll in Medicare and make the best decisions for your healthcare needs. Stay healthy and happy, and remember to share this valuable information with others who may benefit from it.

Read more:
Medicare Benefits: Everything You Need to Learn
Medicare Coverage: Everything You Need To Know
Medigap: What 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.

Existing Insurance Coverage



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.

State License No.

StateLicense No.
Minnesota 40040992
New Hampshire2001232
New Jersey1067556
New Mexico1800005445
New YorkLA-1024797
North Carolina1000001822
North Dakota20295112
Rhode Island2044085
South Carolina1905753648
South Dakota10003612
West Virginia100109397

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