Cindy Harris

2023 Marketplace Circle of Champions!

Harris Insurance Agency
Achieves Marketplace
Circle of Champions Recognition

December 7, 2022

Centerville, Ohio — Harris Insurance Agency has been recognized by the Health Insurance Marketplace® as a member of the 2023 Marketplace Circle of Champions for helping consumers gain qualified health coverage.

This Centers for Medicare & Medicaid Services (CMS) award highlights Harris Insurance Agency’s success in actively enrolling 20 or more consumers during this Open Enrollment Period and demonstrates its expertise and experience in helping consumers find health coverage.

“Agents and brokers are key partners to CMS in our shared goals of helping expand access to coverage for Americans,” said Ellen Montz, Director of the Center for Consumer Information & Insurance Oversight within CMS, which oversees the Marketplace. “We thank Harris Insurance Agency for its dedication to providing exceptional service and helping access coverage.”

This year’s Open Enrollment Period for applying for Marketplace coverage runs from Nov. 1, 2022, to Jan. 15, 2023. Consumers with questions about their coverage or who would like help enrolling can contact Cindy Harris at admin@harrisinsuranceagency.org.

If you would like a January 1, 2023 start date, you must contact Cindy Harris and enroll by December 15, 2022! Call Cindy today at 937-387-6672!

What is the Marketplace Circle of Champions?

CMS created the Marketplace Circle of Champions program to commemorate the hard work and commitment of Marketplace-registered agents and brokers throughout America. This award recognizes agents and brokers who have actively enrolled 20 or more consumers. Each year, thousands of agents and brokers reach the Marketplace Circle of Champions, highlighting their hard work, expertise, and service.

3 Factors to Consider When Selecting a Health Insurance Plan

Health insurance helps individuals manage their healthcare costs throughout the year. With so many providers and plans to choose from, getting the right coverage can seem overwhelming. Here are a few basics to keep in mind as you search for the right options.

How to Choose the Right Health Insurance for Your Needs

1. Your Health Needs

Different providers and plans offer various levels of coverage. Many providers use terms like platinum, gold, silver, and bronze to describe their options. Generally, platinum and gold plans offer more coverage, while silver and bronze may offer slightly less.

Those who visit doctors or have serious health issues may feel more comfortable with higher levels of coverage, while lower options may be sufficient for healthy individuals. You should also check to make sure any prescriptions you take or may need are covered under your chosen plan.

2. Premiums vs. Out-of-Pocket Expenses

A premium is the amount you pay for an insurance plan each month. Out-of-pocket expenses include copays and other costs that you pay for each doctor visit, hospital stay, or prescription. Generally, higher premiums come with lower out-of-pocket expenses, and vice versa. Those who prefer predictable payments may prefer higher premiums, while those hoping to save money and limit doctor visits through the year may prefer lower premiums.

3. Networks

If you have a doctor you like, make sure they’re included in the network for any insurance plan you consider. Providers must approve hospitals and doctors’ offices to provide coverage at those locations, so if yours is not included in the network of the plan you choose, you’ll either have to switch or pay more out of pocket. Many providers let you search for doctors within their network, or you can work with an agent who can ensure your doctor is included.

If you’re looking for an insurance agent to help you find the right plan for your needs, contact Harris Insurance Agency in Centerville, OH. The family-owned, independent insurance agency focuses only on Medicare, Medicaid, and health insurance, so they fully understand the options and providers available to individuals throughout the Miami Valley. To request a quote, call (937) 387-6672.

3 Tips for Enrolling in Medicare

More than 62 million Americans currently use Medicare to help cover their medical expenses. This government-funded program offers a reliable and affordable way for seniors and those with permanent disabilities to obtain health insurance. However, between all the different plan choices, strict eligibility requirements, and confusing lingo, signing up can be a challenging experience. The following tips will make the enrollment process easier and help ensure you’re getting the most from your benefits.

How to Successfully Sign Up for Medicare

1. Learn When Your Enrollment Period Is

When enrolling in Medicare for the first time, there’s a certain timeframe within which you can sign up. It’s important to be aware of this timeline to avoid a gap in coverage, as well as a late enrollment penalty fee. Most people are eligible to enroll three months before turning 65 years old, during their birthday month, and three months after.

You can also sign up during the Medicare General Enrollment Period, which runs from January 1 – March 31 every year, or during a Special Enrollment Period if you qualify, such as after your employer coverage ends.

2. Research Coverage Options

There are two main ways to get Medicare coverage. You can enroll in Original Medicare (Part A and Part B), which covers doctor and hospital visits, or join a Medicare Advantage plan (Part C). These plans are available through private health insurance companies, and they provide the same coverage as Parts A and B but may also cover vision, dental, hearing, and prescription medications.

Medicare Supplement insurance and standalone prescription drug plans (Part D) are available, as well, to help enhance Original Medicare coverage. You should explore all these options before enrolling to make sure you choose the best coverage for your situation.

3. Don’t Hesitate to Ask Questions

There are trained and experienced insurance agents who know the ins and outs of Medicare and can walk you through the enrollment process. Consider working with a professional, and be certain to ask questions about anything you might need clarification on. With such stringent rules on signing up for coverage, you want to ensure every step is done correctly. They can explain the various types of plans, help fill out your paperwork, and keep you familiar with any new policies that are put into place.

If you’re ready to enroll in Medicare, turn to Harris Insurance Agency in Centerville, OH, for guidance. Their knowledgeable agents give each client the personalized attention they deserve and will help ensure you’re set up with the right plan for your specific needs. This family-owned company has been entrusted to provide countless residents throughout Montgomery County with high-quality health insurance solutions. Call (937) 387-6672 to schedule an appointment, or visit their Facebook page for more information on the services they offer.

2022 Marketplace Circle of Champions!

Harris Insurance Agency nationally recognized for helping consumers with qualified health coverage

January 27, 2022

Centerville, Ohio — Harris Insurance Agency has been recognized as a member of the 2022 Marketplace Circle of Champions, a Centers for Medicare & Medicaid Services (CMS) program that celebrates the hard work of agents and brokers in helping consumers enroll in qualified health coverage through the Health Insurance Marketplace®.

This award highlights Harris Insurance Agengy’s success in actively enrolling 20 or more consumers during this Open Enrollment Period.

“We thank Harris Insurance Agengy for their dedication to providing exceptional service and helping consumers get the coverage they need,” said Ellen Montz, Director of the Center for Consumer Information & Insurance Oversight within CMS, which oversees the Marketplace. “Agents and brokers play a key role in educating consumers about their health insurance options and helping expand access to coverage for Americans.”

This year’s Open Enrollment Period for applying for Marketplace coverage runs Nov. 1–Jan. 15, 2022. Consumers with questions about their coverage or who would like help enrolling can contact Cindy Harris at admin@harrisinsuranceagency.org.

What is the Marketplace Circle of Champions?

To commemorate the hard work and commitment of agents and brokers, CMS created the Marketplace Circle of Champions program which provides special recognition to agents and brokers who have actively enrolled 20 or more consumers to demonstrate their expertise and experience in helping consumers find health coverage.

Each year, the Marketplace Circle of Champions program recognizes thousands of agents and brokers across America—highlighting their hard work, expertise, and service. Whether they’re helping individuals complete an application, select a plan, or manage coverage, agents and brokers play a critical role in the success of the Health Insurance Marketplace®.

2023 Marketplace Circle of Champions!

Harris Insurance Agency
Achieves Marketplace
Circle of Champions Recognition

What is the Marketplace Circle of Champions?