(502) 742-4979 | info@ImagineInsAdv.com

Update – Our AEP Progress During Week One

Week one of the Annual Enrollment Period is underway and we are so excited to say that Medicare has corrected the biggest issue in the Plan Finder Tool (what we use to compare drug costs) to now calculate Premium + Drug Costs.  This means that the most concerning setback to reviewing plans has been eliminated and all of the plan costs’ are being calculated properly.

The Plan Finder Tool still will not allow you to set the quantity of a drug to once per year. This is an issue for those of you that use expensive creams/etc that you rarely fill. This means that your total cost is being grossly inflated because the calculator must assume that you fill it every month. We are using our years of professional experience and knowledge to work around this issue.


How are we doing and how can you help?

We have hit the ground running since Tuesday and are completing reviews and returning calls as quickly as we can.  Although, what we are realizing is that it takes us much longer to do a review than in the past because of the numerous additional steps. Please be patient as we work as accurately and quickly as possible. We still want to be sensitive to your questions and give you the time that you may need while we discuss plans.  We cannot work on a first-come-first-serve basis or alphabetically and choose clients at random as we go along.  If you call for an update on your status in our process, we may not be able to return your call for these reasons.

While we are here to answer your questions, we also need to manage our time wisely so that we can help as many of you as possible during this time. If you have questions regarding your current plan, consider calling the Member Services number on your card or sending us an email.  Also, as a reminder, our administrators (Gina & Meagan) cannot answer benefit related questions.

If you would like to request a review, please check out our Resources page for the forms that you need to complete.   You need to create your personal www.Medicare.gov account and return our forms to us in order to join our review process.   Following our instructions ensures that everyone has a fair opportunity for a review and allows us more time to be efficient.
If you can edit your drug list in your Medicare.gov account, it helps us help you by completing one of the steps we have to take.   If you find it difficult to edit your drug list, it’s okay.

If you would like to review your own plan, please contact Gina (extension 5) or Meagan (ext 6) to request our Plan Finder Tool Guide.  We have almost completed our Guide and it should be ready next week. If you review your own plan and decide you would like to change plans, if you want us to be the agent (so that we can provide assistance/answer questions next year), just let us know which plan you want and we will send you the application paperwork and complete the enrollment like we always have.


Thank you so much for your business and friendship. We treasure chatting with you during this time and care for you and your wellbeing.
Again, we are working as quickly and accurately as possible while being mindful of our own health and limitations.

How to create your Medicare.gov account

The Medicare website’s Plan Finder Tool is what we use to compare prescription drug plans and the drug component of Medicare Advantage plans.  It is the easiest and most efficient way to compare your plan to other plans and determine if it would be beneficial to change.  In order to view drug costs specific to your medications, you need to have a personal www.Medicare.gov account.  Here, we will provide step-by-step instructions.

1. Go to www.Medicare.gov.    Only go to “.gov”, NOT “.com”
2. Click “MyMedicare.gov Login” in the top-right.
3. Scroll down and select “Create Account”
4. You will enter the following as it appears on your Medicare card:
4a. Medicare Number.  Do not include the dashes or spaces. Enter it as one unbroken sequence.
4b. Name exactly as it appears on your card.  If you go by another name or suffix, such as Jr, but it is not on your card, do not enter it that way. It must match your card.
4c. Email address, if you have one. You do not have to have an email or include it. Just select the “I don’t have an email address” box.
4d. Birthdate.
4e. Resident zip code.  This is the zip code for the address that Social Security has for you.
4f. Part A effective date.   If you do not have Part A, select “I don’t have Part A” and it will prompt you to enter your Part B effective date.
4g. Click both boxes to agree to the Terms & Conditions.
5. A security warning will appear. It states that you cannot use the Medicare site for fraud. Select “OK”
6. The next page asks you to create a User ID.  This can be whatever you want it to be. You can use your email address.
7. Then create a password.  The guidelines for password creation are on the right side of the screen.
8. Finally, you will choose a security question and answer. This is used to reset your account if you forget your User ID or password.

Make sure to write your User ID and password down and secure it safely!!

9. Select Done.  It will redirect you to the log-in screen and tell you that your account was successfully created.   Log in with your credentials to make sure it works.

AEP is peeking around the corner!

The Annual Enrollment Period is the timeframe during the year that your Part D drug plan or Part C advantage plan’s benefits may change and the only time that you can change your plan. This period goes from October 15th to December 7th. No changes may be made to Part D drug plans after December 7th.

Your current insurance company is required to send you (via mail) the Annual Notice of Change (ANOC) by September 30th. The ANOC informs you of any changes to the premium, deductible, copay tiers, and what the preferred pharmacies will be for the following year.  It is important that you review this information. If you are still satisfied with what the benefits will be, then there is nothing you need to do in order for your policy to keep going. You do not need to re-enroll or sign anything; it will automatically renew and your payment method will stay the same.

Changes for us at Imagine

Medicare has revamped the Plan Finder Tool, which is the program within the Medicare site that is used to view and compare plans and costs specific to your prescriptions. The look and feel is totally new, but it still does the same functions as before.   The big change for us is that we can no longer save and recall an anonymous list of your prescriptions, which is how we were able to quickly and efficiently review your options during this time. This means that in order for us to review costs specific to you, we need to access your personal Medicare.gov account to work with your saved list of prescriptions. All current clients of ours recently received our annual AEP letter which provides a little more detail on this process change and how to work with us.

Since these changes were only recently announced, we were provided limited time to create a solution that will enable us to fairly continue supporting changes to your needs. As the weeks roll on and we experience this new process we have put in place, we will see how viable and smoothly is it going. If we are not able to work around the changes that the industry has put in place, or if you would like to know how to review your own plan options using the Plan Finder Tool, we have written a fairly conprehensive guide to understanding the Tool. After all the years of hard work and support we have provided, we must respectfully inform you that we cannot guarantee a review of your plan but will certainly continue to do our best like we always have.

Welcome to the Imagine family!

Here at Imagine, we strive to treat everyone like family. While we are here to get you set up with insurance that is suitable for your unique situation, we also hope that you are happy and as healthy as can be. We have had the opportunity to meet many wonderful people like yourself over the years and are thankful for your business and friendship. Since you are in our Imagine family, we would never recommend a company or product for you that we wouldn’t want for our own close family and loved ones.

Imagine Insurance Advisors was originally AM Warner Insurance, founded and run single-handedly by Allison Harris (then Warner) in 2002.  Allison was previously in the computer industry and when the winds of change blew, she built a windwill and made the decision to put her hard work into the insurance industry. She began selling Long-Term Care Insurance because it was such a specialized product and complicated to understand, but is such an important piece to maintaining your independence. LTC insurance is important to those that choose to purchase it, she wanted to be sure that clients that came to her for a policy would fully understand the value and cost so that they could select the best option for their long-term needs.

When Part D drug plans and Part C Advantage plans came out in 2006, she found that she was able to help more people make more important choices by becoming a Medicare options specialist as well. While not everyone will need LTC Insurance, most everyone will need Medicare and she was excited to expand her expertise and give more people a peace of mind.

During these years of the entrance of Part D and Part C, Allison’s daughter, Madeline, was in high school and began doing more extensive back-office work and was involved in the application process for plan enrollments. Madeline was so elated to do more than mailings and busy work that midway through college, she decided to forego a Psychology degree and instead changed to Business Management in conjunction with the state insurance license.  In 2011, Madeline Warner obtained her insurance license and followed in her mother’s footsteps of being a trusted resource to turn to when your Medicare options aren’t so clear. She was able to hit the ground running because she had spent countless hours listening to Allison transact and support clients over the phone which translated to lots of third-hand experience.

In 2014, Madeline worked heavily in the under 65 health insurance market to help numerous individuals and families understand all the changes that the Affordable Care Act made to obtaining health insurance. During that time, Medicare options remained her primary focus and in 2018 she left the under 65 individual market to focus solely on Medicare options. There is a plethora of information regarding Medicare coverage options and it can be difficult for you to decide which one is right for you, especially when your eligibility is sometimes limited by the myriad of enrollment rules. Madeline’s knowledge base and teaching style enables her to take that giant net of generic information and turn it into an easy-to-understand package that is tailored to you and your unique situation.

Imagine Insurance Advisors is family owned and operated and has been that way since the beginning. Allison and Madeline are the sole agents and work as a team. We don’t involve any third-parties in the conduct of our business and are humbled by the gratitude and respect that our local Louisville community has bestowed on us through the referrals of your loved friends and family. Every piece of mail or every internet post you see from us was thoughtfully folded and written by one of personally.

Welcome to the Imagine family, we able happy to have been there for you to help make the best decisions in regards to your coverage choices.