FAQs
❓ Frequently Asked Questions
Q: I’m turning 65 — when can I apply for Medicare?
A: You can apply for Medicare starting 3 months before the month you turn 65, and your Initial Enrollment Period lasts a total of 7 months:
- 3 months before your 65th birthday month
- Your birthday month
- 3 months after
➡️ Enrolling early ensures your coverage begins on time. If you apply during or after your birthday month, your start date may be delayed.
If you’re still working and have employer coverage, you may qualify to delay Medicare Part B without penalty — but it’s important to review your options.
💬 ACIS is here to help you understand what to enroll in, when to apply, and how to avoid late penalties or coverage gaps.
Q: What types of insurance does ACIS offer?
A: We specialize in Medicare, Life Insurance, Final Expense, Annuities, and ACA alternative health plans. We also offer ancillary products, including vision, dental, critical illness, cancer protection, and long-term care.
Q: What states are you licensed in?
A: We are currently licensed in Virginia and over 20 other states — including Virginia, Colorado, Florida, Texas, Georgia, New Jersey, and New York- and we’re actively expanding! If your state isn’t listed yet, we may still be able to help or let you know when coverage becomes available. Just reach out. Virtual appointments are available in all licensed areas.
Do you have a walk-in office?
ACIS operates as a modern, virtual insurance agency to serve clients across multiple states.
Our business address is located at:
8401 Mayland Dr, Suite 4910
Richmond, VA 23294
All appointments — Medicare, Life, Health, Final Expense, and Annuities — are conducted by phone, virtual meeting, or in person by arrangement at our business office or at designated community locations, whichever is most convenient for our clients.
Q: Do I need a medical exam to apply?
A: Many plans — especially final expense — require no medical exam, just simple health questions.
Q: Do you offer free consultations?
A: Yes! All consultations are free, friendly, and obligation-free.
Q: Can you help if I already have coverage?
A: Absolutely. We review your current policy and help identify gaps or savings opportunities.
Q: How do I get a quote from ACIS?
A: It’s simple! Just visit coveredbyacis.com and select the type of coverage you’re interested in — whether it’s life insurance, annuities, or Medicare. Fill out a short request form, and we’ll follow up with personalized options that fit your goals.
Q: Do I need to meet in person to get help with my insurance?
A: Not at all. We offer phone consultations, virtual appointments, and seasonal in-person meetings at our designated locations (such as Walgreens in Hampton, VA, during AEP). We’ll meet you where you are — literally and figuratively.
Q: What’s the difference between term life and mortgage protection insurance?
A: Both are time-based coverage options, but mortgage protection life insurance is specifically designed to help pay off your home loan if you pass away. Term life insurance can be more flexible for broader financial needs, such as income replacement, college funding, or debt coverage.
Q: Do annuities replace my 401(k)?
A: Not necessarily. Annuities can complement your retirement plan by providing guaranteed income or tax-deferred growth. Some people even roll over part of a 401(k) into an annuity for added stability and control. It depends on your goals, risk tolerance, and timeline.
Q: What’s my Medicare timeline after I retire?
A: You have a Special Enrollment Period (SEP) that lasts 8 months after you lose employer coverage due to retirement. During that time, you can enroll in Medicare Part B and/or a supplement or Advantage plan without penalties. The sooner you enroll, the smoother your transition.
Q: What is an ANOC?
A: ANOC stands for Annual Notice of Change. It’s a letter sent by your Medicare Advantage or Part D plan every September, explaining any changes to your benefits, premiums, or network for the upcoming year. It’s important to review it so you’re not caught off guard when January comes around.
Q: I’m 65 and still working — do I need to apply for Medicare?
A: Not necessarily. If you’re actively working and covered by a creditable employer health plan, you may be able to delay Medicare without penalty. But it’s always best to check — ACIS can help you decide what makes the most financial sense based on your situation.
