Benefit Options 4 U

65 Benefit Options 4 U

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What We Do

We provide personalized guidance to help you choose Medicare Advantage, Medicare Supplement, ACA/Individual or ancillary coverage options based on eligibility or gaps identified in your coverage.

Because we work with all of the major health carriers, we can offer impartial, client-focus guidance, tailored to meet your unique health insurance needs.

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Medicare Coverage

New to Medicare?

Are you turning age 65, older and delayed enrolling in Part B until Retirement, or Disabled? Get Started

Participating in Medicare Advantage?

Currently Enrolled, participating in a Medicare plan, and experiencing issues utilizing you plan?

More about Medicare SEP’s

Medicare Supplement/Medigap?

Enrolled in Traditional Medicare, considering Medigap as an option?

More about Medicare Supplement

Navigating Medicare can be challenging!

Got questions? — For immediate assistance, call us or click the button below, complete the intake form, to request a Medicare Agent contact you……

Request a Medicare Agent Call You

Affordable Care Act (ACA)

Income and Subsidy Considerations

Example: For 2026 – for a family of four: (Note: these amounts change each year)
- 100% FPL: $31,200 (Minimum to qualify for subsidy)
- 400% FPL: $124,800 (Maximum to qualify for subsidy)

Enrollment (Open Enrollment and Special Enrollment Periods)

Open Enrollment Period (OEP): Begins each year on November 1st and ends on January 15
During this period, you can enroll in, renew, or change health insurance plans
- Changes made during this period will be effective the January 1st of the following year. Example: Changes made between 11/1/2026 and 1/15/2027 will be effective 1/1/2027.

Special Enrollment Period: Allows you to enroll in or change Marketplace health coverage outside the Open Enrollment period if you experience a qualifying life event
Qualified Life Event that may qualify you to make a change to your current year ACA Healthcare coverages:
- Marriage, divorce, legal separation, death of a family member, birth adoption or foster care, dependent child turning age 26.
- Loss of coverage, due to loss of job, Medicaid, CHIP, other qualifying health insurance or newly eligible for Marketplace subsidies.
- Change of residence, due to moving to a new zip code, moving in or out of the country
- There other Special circumstances, such as Natural disasters, errors in plan information, or other administrative errors.

Are you or a family member searching for affordable health coverage — Call us or click on the Self-Service button below to check your eligibility………………….

Ancillary Coverages

Ancillary healthcare coverages are supplemental insurance benefits that go beyond your primary health plan. They’re recommended when there are gaps in your coverage or when you want added protection and value.

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We are a full-service Health insurance agency. If you have identified a gap in your healthcare coverage or need extra protection…. Call us today!

Let’s Connect

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_{Disclaimer: 65 Benefit Options 4 U is an independent entity and is not associated with the Federal Medicare or Medicaid Program. We provide Medicare Advantage, Medicare Supplement, and other healthcare plans designed for senior citizens and, in certain circumstances, individuals with disabilities. References to (**Original Medicare—including its components Part A, Part B, and Part D—, PACE as well as Medicaid) on this site are provided solely for informational purposes or as a major qualifying criteria for participation or enrollment in select products, such as Medicare Advantage or Medicare Supplement plans that may require prior approval under Federal Medicare and/or Medicaid Programs. Please note that 65 Benefit Options 4 U does not administer or process applications for Federal Medicare or Medicaid Programs. Due to the complexities involved in obtaining Medicare benefits, we strive to offer general guidance regarding the application process. However official applications for Federal Medicare or State Medicaid Programs must be completed and submitted directly to the respective offices.}
_{TPMO Statement: We do not offer every plan that may be available in your area. We represent all the major healthcare organizations which depending upon your zip code may offer several products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.}

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