Angelique Solomon, Medicare Insurance Broker

About Me

Angelique Solomon, Senior Medicare Specialist, is dedicated to helping individuals turning 65 or already on Medicare navigate their options with confidence. With expertise in Original Medicare, Medicare Advantage, and Supplement plans, Angelique ensures clients find the best coverage for their health and budget. Trusted, knowledgeable, and here to serve your Medicare needs.

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I acknowledge that a licensed insurance agent may contact me by phone, email, or mail, to discuss Medicare health plan options, including Medicare Advantage, Medicare Part D and Medicare Supplement plans. I accept the terms of service and privacy policy. This is a solicitation for insurance. Your information will ONLY be sent to Angelique Solomon. No other insurance agents or agencies will receive this inquiry.

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Q&A with Angelique Solomon

What if I missed my window to sign up?

Answer: If you missed your Medicare Initial Enrollment Period (IEP), here are your options:

Special Enrollment Period (SEP)

You may qualify for a Special Enrollment Period if:

   •   You had health coverage through your or your spouse’s current employment.

   •   You lost Medicaid coverage.

   •   You were impacted by a natural disaster or emergency.

   •   You received incorrect information from your employer or health plan.

Enrolling during an SEP can help you avoid late penalties.

General Enrollment Period (GEP)

If you don’t qualify for an SEP, you can enroll during the GEP, which runs from January 1 to March 31 each year. Coverage begins the month after you sign up. Be aware that enrolling during this period may result in a late enrollment penalty.

Late Enrollment Penalties

   •   Part B: Your premium may increase by 10% for each full 12-month period you were eligible but didn’t enroll.

   •   Part D: A 1% penalty for each month you were without creditable prescription drug coverage.

For personalized assistance, feel free to reach out!

Do I need a Hospital Indemnity Plan if I have Medicare Advantage? What if I am hospitalized twice in the same year?

Answer: Great question!

Do You Need a Hospital Indemnity Plan with Medicare Advantage?

Yes—it can be a smart add-on.

Medicare Advantage (MA) plans often have daily hospital copays, sometimes up to $300+ per day for the first few days of each stay. A hospital indemnity plan pays cash directly to you for each hospital day, helping cover:

   •   Copays

   •   Deductibles

   •   Lost income

   •   Travel or caregiver expenses

What If You’re Hospitalized Twice in One Year?

A good indemnity plan:

   •   Pays per hospital stay, not just once per year

   •   Resets after a 60-day no-hospital period (varies by plan)

   •   Can cover multiple admissions, even for the same condition

Bottom line: If your Medicare Advantage plan has high inpatient copays or if you’re concerned about unexpected hospital costs, a hospital indemnity plan adds a layer of financial protection.

Want me to review your current plan and show options?

Angelique Solomon, Medicare Insurance Broker