Clear Answers to Important Questions
Frequently Asked Questions
Medicare rules and private insurance options can feel overwhelming. Here are clear answers to the questions we hear most often from Oregon seniors and families.
How does Secure Medical Insurance Services help me with Medicare?+
We consult with you one-on-one to understand your health needs, doctors, and medications. With 10 plus years in business, we compare Medicare Part D, Medicare Advantage, and Medicare Supplement plans to find the most suitable coverage for your specific situation — at no cost to you.
When can I enroll in Medicare Part D or Medicare Advantage?+
You can first enroll during your Initial Enrollment Period (the 7-month window around your 65th birthday). Current Medicare beneficiaries can review and change plans during the Annual Enrollment Period (AEP) from October 15 to December 7 each year.
What is the difference between Medicare Advantage and a Medicare Supplement?+
Medicare Advantage (Part C) replaces Original Medicare with a private plan network (HMO/PPO) bundling hospital, medical, and usually drug coverage. Medicare Supplement (Medigap) works alongside Original Medicare to pay out-of-pocket deductibles and copays, allowing you to visit any doctor nationwide who accepts Medicare.
Do I have to pay for your insurance consultation services?+
No. Our consultation and enrollment assistance are completely free to you. We are licensed independent advisors compensated directly by insurance carriers, meaning our guidance is always unbiased and focused entirely on your best interest.
What areas do you serve?+
Our primary office is located in Clackamas, OR on SE Saint Helens St. We actively serve Clackamas, Happy Valley, Milwaukie, Gladstone, Oregon City, West Linn, Lake Oswego, Portland, Damascus, Gresham, Tigard, and Beaverton.
What types of life insurance do you offer?+
We offer Term Life Insurance for income replacement and mortgage protection, Permanent/Whole Life plans, and Final Expense insurance to ensure end-of-life costs and burials are handled smoothly without financial stress for your loved ones.
What are your business hours?+
We are open from 9 AM to 6 PM, Sunday through Thursday. You can call us directly at (503) 347-9216 or send an email to pahinm07@gmail.com.
Have a Specific Question?
Every person's health history, medications, and doctors are unique. We are happy to review your situation one-on-one at no cost.