Insurance Plans, Charlotte, NC

I am approaching 65yo and trying figuring transition from MatketPlace to Medicare. Discussed with a few broker about impact on PTAC if signing last month of Medicare Initial Enrollement Period because I reached Max Out Of Pocket and pay next to nothing . They all gave me a false sense of urgency and tried to scare me like, I am going to loose health coverage or will have to refund PTC bla bla bla. Then I had the pleasure to meet Heather from Alpine Advantage, I asked her to look at IRS publication 974 and read p9 exemple 1 of Ellen. She took the effort to read it and we agreed that as long as I enroll in Medicare during IEP I won’t loose PTC until covered by Medicare (rather than when eligible in birth’s month). She is the only broker that I met to understand the rule. Also she was not pushy on any specific coverage. Although I don’t take much drugs she warns me that if I went with Medicare Original I should sign for part D to avoid late enrollment penalties later which I was unaware and I am thankful for that.

Richard Smith and Howard Williams of Alpine Advantage Health Insurance did an excellent job explaining the Medicare process! They were honest and very knowledgeable. If there was something that I did not need, they were quick to say so. I felt very comfortable asking questions!

Very informative and helpful to me when I lost my coverage and had to find other options. Would highly recommend.

He's very knowledgeable about the insurance and he answers any questions I have and it's a breeze working with him on policy renewals

Very friendly and professional

Highly recommend

Best insurance company I have ever dealt with they took care of everything and made it easy

Richard Smith was my agent. He did a great job supplying me with all the information I needed for the drugs that I used every day.If I would leave him a message, he would call me back within 10 minutes.I really would recommend him to anybody that needed helpThank youDale Hinson

We have been with Richard Smith getting insurance for a few years now. Richard is amazing!! He is very knowledgeable and helpful as far as providing the type of plan that we need. If you need any help at all with any type of insurance, I would highly recommend that you contact Richard Smith.

I was very pleased with the assistance I received from Mr. Thrailkill when I found myself needing to find a new health plan. It was important to me to have a plan that would allow me to continue using my current providers as well as to cover all my prescriptions. Mr. Thrailkill researched available plans and came up with just what I needed with no monthly premium. He was professional and attentive to my needs. I am very happy with his services!Sincerely,Lysbeth Hart