Independent Insurance Broker | Diane Wyland

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DIANE WYLAND

INDEPENDENT INSURANCE ADVISOR & BROKER

Medicare Supplement/Medigap
Medicare Advantage Plans
Prescription Drug Plans
Medicare Planning
ACA/Marketplace Plans
Short Term Medical Insurance

Indemnity Plans
Dental & Vision Plans
Annuities
Life Insurance/Final Expense
Accident, Cancer, Critical Illness
Small Group Medical & Ancillary Plans

ABOUT ME

Hi! My name is Diane Wyland and I have been a licensed health insurance agent since 2016. At that time I was a “captive” agent…that means I worked for a call center and could only educate and enroll a consumer into the plan I was contracted with. For four years I took calls and time after time members asked if they could reach out to me personally to continue to help them but, unfortunately, that was not allowed. I want to help people, I want to be there for my clients, and now that I am an Independent Insurance Broker I am able to do just that. I am contracted with many insurance carriers and plans and have the ability to help my clients even more. What this means for you is that when we determine what you are looking for in an insurance plan then we will find the one that is right for YOU.

You’ll find that I am quite transparent and genuine. My parents were both Army and I was raised that trust is the number one value. I am also committed and passionate in what I do. I am now an Independent Broker for Medicare plans, Marketplace (ACA or Obamacare) plans, as well as Ancillary plans like Dental, Vision, Indemnity, Accident, Critical Illness/Cancer, Long Term Planning and Life Insurance/Final Expense.

I am proud to say that I am now affiliated with Senior Solutions Insurance Agency (https://seniorsolutionsinsuranceagency.com/) as one of their agents. They are a multi-generational family owned agency on the Treasure Coast. John and Matthew Clark treat their agents and clients as if they're family and I am happy to be a part of their Agency.

And, thank you in advance for trusting me with your insurance needs. I greatly appreciate it!

About

Medicare Annual Enrollment Period

October 15 - December 7

This is a timeframe open to everyone who has Medicare

We can begin talking about next year's plans on October 1st.

We can begin enrolling into those plans on October 15th but they will not be effective until January 1st.

Medicare Tips & Info

Medicare Part D

(that's the Prescription portion of Medicare)

Due to the Inflation Reduction Act (IRA) Medicare is removing the Part D subsidies. This directly affects the insurance company not the member. However it may indirectly affect the member regarding premiums and/or changes to the cost sharing structure. Therefore, please do not be complacent.

REVIEW YOUR PART D COVERAGE on Medicare.gov

Veterans Benefits & Medicare Part B

Currently Veterans Benefits are not viewed by Medicare as "Creditable Coverage". Therefore, if you receive VA Benefits and you opt out of Medicare Part B (which is your right), if and when you decide later to get Medicare Part B you will be assessed a Part B Penalty which is 10% per 12 month period you were without. In my humble opinion, go ahead and get your Part B now even though you receive your VA Benefits. You never know when you may want or need to use civilian services (and I'm not meaning in an emergency).

Medicare Beneficiary and have Employer Coverage?

Make sure you receive a letter from your employer stating whether or not your prescription coverage is "Creditable Coverage" or not. They are REQUIRED to give you this letter EVERY YEAR.

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Also, if you are have Medicare Part A and/or B then you and your employer can no longer make contributions to an HSA plan, otherwise you can be penalized. You may still use the HSA plan, but no contributions can be made.

Medicare Beneficiaries with Partial Medicaid and Extra Help

If you are SLMB or QI - make sure you are in a Dual plan that says it is for Cost-Sharing. This means, make sure that it does not have a copay associated with most of the medical benefits.

Please, talk with a local broker during the Annual Enrollment Period to make sure you are in the right plan for 2025.

If you are QMB, SLMB, or QI you can no longer change plans quarterly. If you want to change plans you need to use a different Special Election Period.

Scope of Appointment, Information, and Schedule an Appointment

Medicare requires Agents to have a Scope of Appointment (SOA). This document does not obligate you to enroll into a plan nor to do business with the agent/broker. It simply states what type of plan you want to discuss.

Turning 65 in January or February?

Then your Initial Election Period coincides with the Annual Enrollment Period but you are not bound by the AEP dates. It's actually better to speak with your agent outside of the AEP dates (before October 15 or after Dec 8) depending upon your birth month, of course.

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Did you know that if your birthday is on the 1st of the month that your Medicare will be effective the month prior to your birth month? (Assuming you are getting Medicare due to turning 65)

HEALTH INSURANCE

With so many options out there, why choose me to be your Licensed Health Insurance Agent?

Health insurance in general can be confusing and with all the commercials, mailings and even phone calls who can you turn to? You need someone who has your best interest in mind and that person is me!

I understand the plans and how important it is to have your providers in network and prescription covered at an affordable cost. I enjoy spending time with my clients and listening to their needs. Frankly, that is the only way to know what plan is the right fit.

I offer no-cost, no-obligation consultations in person, by phone, or even virtual. I hope you will allow me the opportunity to help you navigate the maze that is Medicare. It’s really not so scary when you have the right agent.

Specialties

MEDICARE,
INDIVIDUAL / FAMILY,
OTHER MAJOR HEALTH INSURANCE

Are you turning 65? Call me.

Is your child turning 26 and no longer under your insurance yet doesn’t have their own? Call me.

Are you unemployed and getting unemployment but don’t have health insurance? Call me.

Did you move and need new insurance? Call me.

Do you have a qualifying event (marriage, divorce, birth/adoption, etc.)? Call me.

Don’t have health insurance? Call me.

Let me see what I can do to help you get covered before something happens.

ANCILLARY

Dental & Vision – Let me give you a reason to smile! I have a variety of Dental plans to offer, some even include Vision, though I have that separately as well. With so many plans to choose from, let me help you find the right one that fits your needs!

Accident, Sickness, Hospital – Are you scared of the high deductible on your health insurance plan? Will one trip to the ER or hospital do you in? Then contact me and let me help you find a plan that can cover that deductible if you do have an Accident, Sickness, or Hospital Stay. Life is full of the unexpected…so let’s be prepared.

Cancer & Critical Illness – These plans give a lump sum directly to you. No one wants to deal with these situations, but if it does happen then the monies you receive can help ease the burden of medical bills and/or household expenses, etc.

Indemnity – Get paid when something unexpected happens. Broken arm? Twisted ankle? Why not have a plan in place that will pay you when you go to the ER or get an x-ray? Call me, let’s talk.