Questions
Things people ask me most
Straight answers to the questions I hear every week. If yours isn't here, just ask — there's no such thing as a silly question about insurance.
- NO COST TO YOU
- INDEPENDENT ADVICE
- NO PRESSURE
- LOCAL TO NORTH AND SOUTH CAROLINA
(704) 293-0303 — By calling the number above, you will be connected to a licensed insurance agent.
Working together
Getting started
Does it cost anything to work with you?
No. I'm paid by the insurance companies when you enroll, so my guidance costs you nothing, and the plan price is the same whether you use a broker or not.
Do you only help with Medicare?
No. I also help with dental, vision, hospital indemnity, accident, critical illness and life insurance, and ACA plans for people under 65.
Do I have to decide right away?
Never. Take the time you need, talk it over with family, and call me back with more questions whenever you're ready.
Medicare
Medicare basics
When should I start thinking about Medicare?
About three to six months before you turn 65. That gives us time to look at your situation and avoid gaps or late-enrollment penalties.
I’m still working. Do I need to sign up?
It depends on your employer's size and coverage. Sometimes delaying Part B makes sense; sometimes it doesn't. We'll look at your specifics together.
Can I keep my doctors?
Often, yes. Before recommending anything, I check whether your doctors and hospitals work with the plans we're considering.
Can I change my plan later?
Yes. Most people can make changes during the Annual Enrollment Period, October 15 to December 7, and certain life events open other windows.
Families
Helping someone you love
Can I call on behalf of a parent?
Yes. Many families start that way. With your parent's permission, we can talk together so everyone understands the options.
What should I have ready for our conversation?
Your Medicare card if you have one, a list of your doctors and prescriptions, and any letters you've received that you'd like explained.
Contact
Pull up a chair
Tell me a little about what you need and I'll get back to you personally. Or simply give me a call.
Phone: (704) 293-0303
By calling the number above, you will be connected to a licensed insurance agent.
Email: DeniceHarris55@gmail.com
Service area: North and South Carolina