Frequently Asked Questions (FAQs)
Your Medicare & Insurance Questions — Answered
At Arcuri & Associates Assurance Agency, we believe the best decisions come from clear, straightforward answers. Below are some of the most common questions our clients in Columbiana County, Mahoning County, and across Northeastern Ohio ask about Medicare enrollment and coverage.
Do I Have to Pay for Your Help?
No — our services are always free of charge. We’re here to educate, guide, and support you before, during, and after enrollment.
What is the Annual Enrollment Period (AEP)?
The Annual Enrollment Period runs from October 15 to December 7 each year. During this time, you can:
- Switch from Original Medicare to a Medicare Advantage Plan (Part C)
- Change from one Medicare Advantage Plan to another
- Add, drop, or change a Part D Prescription Drug Plan
What is the Open Enrollment Period (OEP)?
The Open Enrollment Period is from January 1 to March 31 each year. During this time, if you’re already enrolled in a Medicare Advantage Plan, you can:
- Switch to another Medicare Advantage Plan
- Drop your Advantage Plan and return to Original Medicare (with or without Part D drug coverage)
What is the Special Enrollment Period (SEP)?
Special Enrollment Periods allow you to make changes outside of AEP or OEP if you qualify due to life events such as:
- Moving out of your plan’s service area
- Losing employer or union coverage
- Qualifying for Medicaid or Extra Help
Retirement Planning FAQs
When should I start planning for retirement?
It’s never too early — but most people start seriously planning in their 50s and 60s. The sooner you start, the more options you’ll have.
What happens to my 401(k) when I retire or change jobs?
You can roll it over into an IRA or annuity to keep your savings growing tax-deferred. We’ll guide you step by step.
Do I need an annuity?
Not everyone does, but annuities are a good fit if you want guaranteed income for life or protection from market risk.
Health, Dental & Vision FAQs
Do small businesses have to provide health insurance?
Businesses with fewer than 50 full-time employees are not required to, but offering coverage can boost retention and recruiting.
What does dental and vision insurance usually cover?
Dental plans often cover cleanings, exams, fillings, and sometimes major work. Vision plans cover eye exams, glasses, and contact lenses.
Can employees add their families to group health plans?
Yes, most group plans allow dependents to be added at an additional cost.
Life Insurance FAQs
What type of life insurance is best for me — term or whole?
Term life covers you for a set number of years, while whole life builds cash value and lasts a lifetime. The right choice depends on your budget and goals.
How much life insurance coverage do I need?
It depends on your family’s needs, debts, and long-term financial goals. A common rule of thumb is 7–10 times your annual income.
Can I get life insurance if I’m older or have health issues?
Yes — options may be more limited, but final expense or guaranteed-issue policies are designed for seniors and those with preexisting conditions.
Working with an Advisor FAQs
Why should I work with an independent advisor instead of going directly to a carrier?
As independent agents, we represent multiple carriers — so we help you compare plans side by side and find what fits you best.
Does it cost anything to work with Arcuri & Associates?
No — our services are always free. We’re paid by the carriers, not by our clients.
What makes Arcuri & Associates different?
We emphasize face-to-face meetings, clear education, and ongoing support before, during, and after enrollment. Plus, you’ll always get a live voice — no call trees.
