Privacy Policy
This provides notice of the privacy practices and policies of PTI Consulting Services LLC. The protection herein set forth that the information we obtain and maintain for our clients and customers is protected. This may also include information about you and your dependents (“Protected Parties”). Note, this privacy policy applies solely to information collected by this web site.
We reserve the right to change the terms of this notice and to adopt any new provisions regarding the protected information that we maintain. If we revise this notice, we will post the revisions on this page. By accessing or using the PTI Consulting Services LLC website, you hereby agree to the terms of this Privacy Policy.
Information We Collect About You
Like most websites, we use cookies and web beacons to enhance your experience, gather general visitor information, and track visits to our website. Please refer to the ‘do we use cookies?’ section below for information about cookies and how we use them.
There are questions on our site that are geared to help us match our customers with the very best carrier(s) and product(s) to meet their needs, though each insurance company bases its final prices on its own criteria. We will ask for your name, e-mail address, mailing address, and phone number. We may also gather some general health, lifestyle, and family history on our site. Some of our resource tools require you to list your financial status, including debt and savings information. In order to obtain insurance product quotes, you will be required to provide us with additional personal information which includes, but is not limited to, your date of birth, your gender, your smoking status, your height and weight, and social security number. A licensed representative may call or email you to clarify your information and respond to your inquiry.
What do we use your information for?
We are the sole owners of the information collected on this site. Accordingly, we only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.
When you contact us, we may use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request. This includes using your information to provide you with accurate insurance premium quotes, help process and underwrite and your application for life insurance, and to keep you updated on the status of your purchases. This involves sharing your information with insurance carriers offering insurance products that fit your needs.
From time to time, we may contact you with information concerning various insurance products that we believe might be of interest to you, based on the information you submitted via our website.
We may also use your information to improve our website and enhance your personal experience with our website.
Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential.
We may share your Information with any of our parent companies, subsidiaries, joint ventures, or other companies under common control with us.
As we develop our businesses, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, sale of assets, dissolution, or similar event, some or all of the Information may be part of the transferred assets.
We may also release your information when we believe release is appropriate. This may be to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety.
The Security of Your Information
At PTI Consulting Services LLC we strive to protect the personal information you provide via our website. To accomplish this, we use commercially known security measures such as encryption, password protection and firewalls. We also have internal restrictions on who may access data collected on our site.
Please understand, however, the Internet is never 100% secure and that no security system is impenetrable. We cannot guarantee the security of our databases, nor can we guarantee that the information you supply will not be intercepted while being transmitted to and from us over the Internet.
Further, we do not guarantee or warrant that any part of our Sites, including files available for download, are free of viruses or other harmful code. It is your responsibility to take appropriate precautions, such as the use of anti-virus software, to protect your computer hardware and software while using the Internet.
Please also note that regular Internet e-mail is not secure. To protect your privacy, you should not use e-mail to communicate information that you want to remain confidential. For your extra protection, we suggest using an alternative method of secure transmission such as telephone, fax, or regular mail.
Do we use cookies?
We use “cookies” on this site. Cookies are data about the websites you visit. Cookies will help improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. A cookie does not contain any personally identifiable information.
External Links
This web site contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site. And, we encourage them to read the privacy statements of other site that collect personally identifiable information.
Visitors from outside the U.S.
We may get visitors from outside the US on our web page. Visitors from outside the US will be connected through servers located in the U.S. If visitors provide information, it will be maintained on web servers and internal systems located within the US.
Changes to our Privacy Policy
Our Privacy Policy may change from time to time. When a change in our privacy policy happens, we will post it on this page.
If you feel that we are not abiding by this privacy policy, you should contact us. Use the email address below:
Legal Terms and Conditions
General Disclaimer
This website is provided “as is” without any representations or warranties. This includes express or implied. PTI Consulting Services LLC makes no representations or warranties in relation to this website or the information and materials provided on this website. In no event shall PTI Consulting Services LLC and its related, affiliated and subsidiary companies be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.
There is no advice of any kind on our website. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services, or other information provided herein.
Without prejudice to the generality of the foregoing paragraph, PTI Consulting Services LLC does not warrant that this website will be constantly available or available at all.
Copyright Notices
The graphics and data in this website are the property of PTI Consulting Services LLC. You may not copy or distribute these graphics and data unless you have written consent of PTI Consulting Services LLC. We grant permission to print this page. And, we grant permission to display and use this document with a computer solely for personal or internal use. We have permission to use our partner carrier logos on this site.
Becoming Eligible for Medicare
To sign up for original Medicare Parts A & B, along with Part D, most people will have an Initial Enrollment Period which is a 7 month period around the time they turn age 65. This period begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.
Once your Initial Enrollment Period is over, if you wish to change or purchase Advantage or Part D Plans, you must act during the open enrollment period.
NOTICE: Once you are eligible for Medicare, do not wait to enroll in a Medicare Part D Plan or you could end up paying a penalty every month.
SPECIAL ENROLLMENT – OTHER TIMES YOU MAY ENROLL
Once enrolled in Medicare, if you wish to change or purchase Medicare plans you must act during the open enrollment period.
When open enrollment is closed, there are special circumstances in which one may qualify to enroll outside of the enrollment period. Listed below are the qualifying events:
- You are turning 65
- You move to a new area that is not in your current plan’s service area
- Recently moved back to the US
- You lose your current coverage (either Group or Medicaid)
- You now need a SNP (Special Needs Plan) or you no longer need a SNP
Medicare
Open Enrollment
October 15th through December 7th every year.
A Helpful Checklist for New Medicare Recipients
Turning 65? Navigating healthcare through Medicare is not as simple as receiving it through your employer. Here’s a checklist to help make the daunting transition a little easier.
- Review your health insurance needs, taking in consideration medications and regular doctor visits, and any procedures you know you will need.
- See if your current providers accept Medicare.
- Learn the basics of Medicare to find out what Medicare covers. Visit our Medicare Premiums page, or our Medicare & You page to help you get a better understanding of Medicare.
- Talk to a Medicare Professional to help you research the cost of Medicare Advantage, Part D and Medigap Plans in your area and help you decide which is better for your needs.
- Ask your advisor if you qualify for additional benefits or getting help with Medicare costs.
Enrolling in Medicare
You need to enroll in original Medicare (Parts A & B) before you can sign up for a Medicare Advantage or Supplement plan.
To enroll, you will be required to provide proof of your eligibility. Some acceptable documents are birth certificate, proof citizenship if not born in the US, W-2 or tax forms, and or military records.
Follow this link to apply online or call your local Social Security office. Here you can enroll, create your Medicare account, track your Medicare information such as bills, claims, health information and more, as well as print your Medicare card.
Medicare Works For You and Your Health Through the ACA
Reduced prescription drug costs:
In the past when Medicare recipients entered the coverage gap known as the “Donut Hole,” they were responsible for 100% of their prescription costs. The ACA provided discounts and subsidies that reduced those costs by half, and currently, in 2021, the donut hole officially closed for all drugs. In other words, when Medicare recipients enter the coverage gap, they are now responsible for only 25% of the cost of their drugs.
Adds wellness and preventative benefits into Medicare Part B with no additional costs.
Get over a dozen FREE preventative screenings and other wellness benefits that include mammograms, colorectal screenings, heart health, free vaccines and flu shots, addiction programs, mental health services, nutrition assistance and more.
Improves Medicare Advantage
The restructuring of payments to Medicare Advantage, along with bonuses given to plans with higher quality ratings, has forced the plans to be more efficient, which lowers costs for Medicare recipients, while improving quality of care, which probably explains why currently more than a third of Medicare recipients opt for Medicare Advantage vs. original Medicare.