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DLS Insurance Services provides health insurance, life insurance, hospital indemnity, critical illness plans, dental plans, Medicare insurance, Medicare enrollment services, Medicare Advantage, PDP plans, and Medicare supplement plans to Clinton, CT, and surrounding areas.
Details
- Requires appointmentNot available
- Online appointmentsAvailable
- Onsite servicesAvailable
- Wheelchair accessible entranceAvailable
Location
Hours
Reviews
5.0
119 reviews
5 stars
117
4 stars1
3 stars0
2 stars1
1 star0
- RWRobert WashingtonMay 3, 20245.0Peter is very knowledgeable with the products he represents and will find the best fit for you.
- MRMarc RitterMar 23, 20245.0DLS, specifically Bill Brainerd, has been super to deal with. Bill is very knowledgeable, a huge help.
- ICIma ColaMar 20, 20245.0I love doing business with DLS. They explain everything in simple terms and they have prepared fact sheets and comparison sheets to help you make your decisions. I would recommend them to anyone, but especially those that are really confused about insurance and Medicare.
- BFBrian FayMar 19, 20245.0During the course of my career in private practice as a psychotherapist, I made many referrals to DLS Insurance to assist my clients with transitioning to Medicare or for those that wanted to participate in the Affordable Care Act Insurance. I had wonderful experiences with these referrals and had many clients express positive outcomes. I personally began using DLS when I was preparing to retire in 2021 and they provided sound advice to me in determining how to provide insurance to me and my family in retirement. I would highly recommend DLS Insurance Services without reservation. Wonderful, resourceful, friendly and professional organization.
Frequently Asked Questions About DLS Insurance Services
What is Medicare?
Medicare is a federal health insurance program for:
-Most individuals aged 65 and older.
-People who have received Social Security Disability(SSDI) for more than 24 months.
-People with amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig’s disease.
-People with end-stage renal disease (ESRD), also known as permanent kidney failure.
What are the different parts of Medicare?
Medicare is divided into several parts:
Part A: Hospital Insurance
Part B: Medical Insurance
Part C: Medicare Advantage Plans
Part D: Prescription Drug Coverage
What does Medicare Part A cover?
Medicare Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services.
What does Medicare Part B cover?
Medicare Part B covers outpatient medical services like doctor visits, lab work, and some preventive services.
What is Medicare Advantage?
Medicare Advantage, also known as Medicare Part C, is an alternative to Original Medicare. These plans are offered by private insurance companies approved by Medicare and typically offer additional benefits beyond Original Medicare, such as vision, dental, and prescription drug coverage.
Do I need Medicare Part D?
Medicare Part D provides prescription drug coverage, which can be beneficial for individuals who take prescription medications. If you don't have other creditable prescription drug coverage, you may want to consider enrolling in a Part D plan to avoid late enrollment penalties.
When can I enroll in Medicare?
You can enroll in Medicare during your Initial Enrollment Period (IEP), which starts three months before your 65th birthday and lasts for seven months. There are also other enrollment periods, such as the Annual Enrollment Period (AEP) and Special Enrollment Periods (SEP), which may apply depending on your circumstances.
Can I switch Medicare plans?
Yes, you can switch Medicare plans every year during certain enrollment periods, such as the Annual Enrollment Period (AEP) from October 15 to December 7 each year. You may also be eligible for a Special Enrollment Period (SEP) under certain circumstances.
How can I find the right Medicare plan for me?
Finding the right Medicare plan depends on your individual healthcare needs and preferences. Our experienced agents can help you compare plan options, understand costs and coverage, and choose the plan that best fits your needs and budget. Contact us today for personalized assistance.