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Your representative is an insurance expert with the understanding to guide you with the insurance policy procedure and assist you find the very best insurance security for you and the people and things you respect most. This write-up is for educational and pointer functions only. If the policy protection summaries in this article problem with the language in the policy, the language in the plan uses.


Policyholder's deaths can also be contingencies, particularly when they are taken into consideration to be a wrongful death, along with residential or commercial property damages and/or damage. Because of the unpredictability of said losses, they are labeled as contingencies. The guaranteed person or life pays a premium in order to obtain the benefits promised by the insurance firm.


Your home insurance can aid you cover the problems to your home and manage the expense of restoring or repairs. Sometimes, you can additionally have insurance coverage for products or prized possessions in your residence, which you can then purchase replacements for with the money the insurance provider provides you. In the event of an unfortunate or wrongful fatality of a sole income earner, a family members's financial loss can potentially be covered by particular insurance policy strategies.

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There are different insurance policy prepares that consist of financial savings and/or financial investment schemes along with routine insurance coverage. These can assist with building financial savings and wealth for future generations through routine or persisting investments. Insurance coverage can aid your family keep their standard of life in case you are not there in the future.


The most fundamental form for this sort of insurance, life insurance, is term insurance. Life insurance policy in basic assists your household end up being protected monetarily with a payment quantity that is given in the occasion of your, or the policy owner's, death during a certain policy period. Child Plans This type of insurance is essentially a savings tool that assists with generating funds when youngsters get to certain ages for seeking greater education and learning.

Auto Insurance policy This kind of insurance is for automobiles, which includes bikes, motorcycles, and cars and trucks. This kind of insurance policy provides defense against problems to other individuals that have actually sustained losses or have actually been injured in a crash with the insured individual's automobile, as well as automobile problems that accompanied the mishaps and injuries.


Home Insurance coverage This sort of insurance coverage covers home problems in the events of mishaps, all-natural catastrophes, and mishaps, together with various other comparable events. international health insurance. If you are looking to look for settlement for mishaps that have occurred and you are struggling to identify the appropriate path for you, connect to us at Duffy & Duffy Law Office

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At our law office, we recognize that you are experiencing a lot, and we understand that if you are coming to us that you have been through a whole lot. https://pacificpr1me-2.creator-spring.com. Due to the fact that of that, we provide you a free assessment to look at your concerns and see how we can best aid you


Because of the COVID pandemic, court systems have been shut, which adversely affects vehicle crash situations in a significant means. Once again, we are here to assist you! We happily offer the people of Suffolk County and Nassau County.


An insurance plan is a legal agreement in between the insurance provider (the insurer) and the person(s), business, or entity being insured (the insured). Reading your plan assists you confirm that the plan satisfies your needs which you recognize your and the insurer's responsibilities if a loss takes place. Lots of insureds buy a policy without recognizing you could try this out what is covered, the exemptions that remove insurance coverage, and the problems that need to be fulfilled in order for insurance coverage to apply when a loss takes place.


It identifies who is the guaranteed, what risks or residential property are covered, the policy limitations, and the policy duration (i.e. time the policy is in force). For example, the Statements Page of an automobile policy will certainly consist of the description of the car covered (e.g. make/model, VIN number), the name of the person covered, the costs quantity, and the insurance deductible (the amount you will need to spend for an insurance claim before an insurance firm pays its section of a protected case). In a similar way, the Statements Page of a life insurance policy plan will certainly consist of the name of the person insured and the face amount of the life insurance coverage plan (e.g.

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This is a summary of the significant guarantees of the insurance provider and states what is covered. In the Insuring Agreement, the insurer concurs to do particular points such as paying losses for covered hazards, giving certain solutions, or accepting defend the insured in a responsibility suit. There are 2 fundamental types of a guaranteeing arrangement: Namedperils insurance coverage, under which only those risks specifically noted in the policy are covered.

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Allrisk protection, under which all losses are covered except those losses particularly excluded. If the loss is not left out, then it is covered. Life insurance policy plans are usually all-risk policies. Exclusions take coverage away from the Insuring Agreement. The 3 major kinds of Exemptions are: Excluded dangers or sources of lossExcluded lossesExcluded propertyTypical examples of omitted hazards under a property owners plan are.

Examples of excluded residential property under a home owners plan are individual home such as a car, a family pet, or a plane. Problems are stipulations placed in the plan that qualify or put limitations on the insurance company's debenture or do. If the plan conditions are not satisfied, the insurance provider can deny the insurance claim.

 

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Some individual contracts that you have with clients may call for insurance coverage in case something goes incorrect. Without insurance policy, your small business (and also, honestly, you) are going to be paying for that staff member's Employees' Compensation out of pocket.


If your business is not guaranteed and an all-natural disaster happens, your organization may be physically damaged with no economic backup for fixings or substitutes. Regardless of what type of natural disaster it may be, residential property insurance is what you require. This is a really vital type of insurance coverage for any business to have, yet particularly small companies that do not have the capital to completely replace things if they obtain unexpectedly destroyed.

 

 

 

Without liability insurance, you might go out of organization rapidly if you are sued or have a suit on your hands. This is real also if you win the situation due to the fact that lawful fees can be exceptionally expensive. Whether you are taken legal action against by an ex-employee or as a result of an agreement failed, being sued can cost you a great deal of money and it's all mosting likely to come straight from your company.

 

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With all of the sorts of insurance options available, how can you choose the ones that are mosting likely to be valuable? The majority of tiny companies need at least a couple of insurance plans. These will include: As long as you have the standard insurance coverage needs to cover most elements of what may take place, you should rest ensured that your business is risk-free.


Since you comprehend the significance of insurance policy, you might really feel inspired to select a strategy and purchase it for your organization. At Plan, Sweet, we are happy to be able to use an easier means to acquire business insurance coverage. You can have choices in your protection as well as exactly how you get or preserve it.


Once you're all set, you can start to obtain a quote online and begin the course toward a protected tomorrow!.

 

 

 

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The feature of insurance coverage is to guard versus monetary loss by having the "losses of the few" paid by "payments of the many" that are revealed to the same risk. Insurance policy business invest premium bucks accumulated every year in a broad array of financial investments. Consequently, it is very easy to see how the insurance industry plays a vital function in our nation's economic situation.


We'll look at the really fundamental duty insurance coverage plays in our lives and in the lives of our loved ones. The true value of insurance policy lies in its capacity to safeguard human life worths.


Annuities, on the other hand, can be made to supply a stream of revenue for the annuitant's lifetime or for a given time period, depending upon the sort of annuity bought (Paul B Insurance).

 

 

 

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Danger Monitoring is the practice of evaluating a company's or an individual's risks and after that alleviating the prices linked with such dangers. There are two kinds of dangers in each circumstance.


The second type is the expense related to reducing or removing the chance of feasible failing. The cost of buying cover versus fire damages or the expense of not building the plant whatsoever will be included right here. For Risk Management to be trusted, these 2 types of costs have to be stabilized against the other.


Depending upon the situations and sort of Danger, one can pick the most effective method to manage Threat. 1. Playing it safe 2. Reducing Risks 3. Moving of Dangers 4. Retention of Risks The most effective method more helpful hints to avoid a possible loss from a particular operation is to prevent it completely. The decision not to begin a store due to the Threat of losses.

 

 

 

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In this case, you are moving the Threat to another person in this scenario. It is mostly appropriate to economic threats as well as instances where it is possible to write it into agreements. A simple example is insuring on your own versus the opportunity of burningthe insured bears the monetary Danger if a fire problems your storehouse.

 

 

 

You should, nevertheless, make a purposeful and enlightened decision to consider the opportunity. It would assist if you really did not choose that by default due to the fact that you haven't provided the other selections Home Page a lot thought This strategy is much better for minor dangers with a low effect or for threats that are impossible to happen, such as the opportunity of a meteor striking your headquarters.


What duty does Insurance play in danger administration, and also what is its importance? Let us have a look! Insurance policy has actually developed as a way of securing individuals's properties from loss and complication (Paul B Insurance). It can be seen as a social gadget that assists to decrease or remove the chance of death or property loss.

 

 

 

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The policy might be utilized as collateral to secure a car loan for the business. Due to the warranty of compensation at fatality, insured individuals are getting a lot more financings. Therefore, Insurance will certainly help the corporation in getting extra debt. In any type of company, specifically a relationship business, business may disappear if one companion passes away.


In basic words, insurance is a risk transfer device, where you transfer your threat to the insurer as well as check these guys out obtain the cover for monetary loss that you might face because of unexpected occasions. And also the amount that you spend for this setup is called premium. There is insurance policy available for different threats, starting from your life to cellphones that you use.


In situation you do not make a claim during the specified plan period, no benefits will certainly be paid to you. Nonetheless, there are various kinds of items supplied by insurance provider today which likewise entail savings element connected to it. Deductible describes the quantity of the case that is sustained by the policyholder.

 

 

 

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Deductibles play a vital duty in making a decision the practicality of your future claims. So, it is vital to pay utmost observe when deciding the deductibles for your insurance strategy. Insurance coverage are the much-needed assistance column one requires at the time of demand. The prominent functions of insurance policy are just one of the functions of an insurance coverage is its simplicity of purchase.




The majority of insurance coverage companies supply the alternative of both online and offline acquisitions of the plans so people can select as per their comfort. The standard purpose of an insurance plan is to give financial assistance when in requirement. Be it wellness, automobile, or any other insurance coverage, the objective is to prolong the financial help (Paul B Insurance).
 

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Numerous policies pay 40% to 70% of your earnings. The expense of handicap insurance policy is based on many variables, including age, lifestyle, and health and wellness.

Lots of plans need a three-month waiting duration before the coverage kicks in, supply a maximum of 3 years' well worth of coverage, as well as have substantial plan exclusions. Right here are your alternatives when purchasing auto insurance coverage: Responsibility coverage: Pays for home damage as well as injuries you create to others if you're at fault for a mishap as well as additionally covers litigation costs as well as judgments or negotiations if you're taken legal action against because of a cars and truck crash.

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Comprehensive insurance coverage covers burglary as well as damages to your cars and truck because of floodings, hail storm, fire, criminal damage, falling objects, as well as pet strikes. When you finance your car or lease a vehicle, this kind of insurance policy is mandatory. Uninsured/underinsured driver (UM) coverage: If a without insurance or underinsured vehicle driver strikes your car, this insurance coverage spends for you and your traveler's clinical expenses as well as might additionally account for lost revenue or compensate for discomfort and suffering.


Medical settlement insurance coverage: Med, Pay protection aids spend for clinical expenditures, typically between $1,000 as well as $5,000 for you as well as your passengers if you're injured in a crash. Similar to all insurance, your situations will certainly identify the expense. Contrast a number of price quotes and also the protection supplied, and also inspect regularly to see if you get a reduced price based upon your age, driving record, or the area where you live.

Company coverage is often the very best alternative, however if that is not available, acquire quotes from several companies as lots of provide discount rates if you buy more than one kind of insurance coverage.

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Spending for insurance month after month (when you don't require it) can be an actual drag. You could also seem like you're spending for nothingbut don't obtain tricked into believing that. Insurance may not be as fancy as something like your financial obligation snowball, yet insurance policy is just as essential when it comes to points on the protective side of your game strategy right here. Arc Insurance Cincinnati.

It really feels like a discomfort when you do not require it, but when you do need it, you're freakin' happy to have it there. It's all regarding transferring the threat below. Without insurance policy, you might be one her latest blog automobile wreck, sickness or emergency situation away from having a huge money mess on your hands.


Uncertain what the difference is in between all of these? Have no fearwe'll break down every little thing you need to understand about each of these kinds of insurance. If there's just one kind of insurance that you register for after reading this, make it label life insurance coverage. Certain, a whole lot of people understand life insurance is vital, however in some way they still do not make it a priority.

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And also given that there is a 100% opportunity of passing away somedaythose aren't excellent probabilities. Think regarding it: If you were to pass away unexpectedly, exactly how would certainly your partner pay for regular monthly costs without your income? The last thing you desire your grieving spouse to bother with is how to keep food on the table as well as make the home mortgage payment after you're gone.

Don't put this off any longer. Talk with an independent insurance policy representative concerning term life insurance policy today. AS SOON AS POSSIBLE. Today. It doesn't set you back a lot, but the tranquility of mind it provides you is valuable. (P.S. When you purchase life insurance, do not forget to choose term life insurance policy. Entire life insurance coverage is a trick over time.


If you have a lots of financial debt as well as no savings to your name, look at a tiny term life insurance coverage policy. It's rather very easy for a healthy and balanced 30-year-old to discover an inexpensive plan that this content will certainly at the very least repay your financial debt and cover interment expenses. Connect to Zander Insurance, among our Ramsey, Trusted service providers, to obtain a term life insurance policy quote now.

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No damage, no foul. Yet assume regarding this: The younger you are, the more affordable term life insurance policy is. As well as you're never mosting likely to be more youthful than you are today. All that to say, if it's something you think you could make use of in the future, it's cheaper to obtain it now than in 15 years.


The Insurance policy Info Institute states the typical loss per claim on cars is around $1,057. Imagine needing to pay that kind of cash expense! Fortunately is, you've got alternatives when it pertains to auto insurance, so there's no factor to avoid it. Right here are some various sorts of automobile insurance policy protection: If you are in charge of an accident, your responsibility coverage will certainly care for the expenses of any kind of injuries or residential or commercial property damage created in the crash.


This covers the expense to fix or change your cars and truck if it's damaged or totaled in a wreckage. This level of insurance policy covers your losses that aren't brought on by the accident itself, like theft, vandalism, flood, fire and hail - Arc Insurance. Attempting More hints to identify your auto insurance policy requires can be complicated, so make it simpletalk toan insurance policy representative to aid you get the appropriate defense you require on your car.

 

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There are various insurance coverage policies, and knowing which is right for you can be difficult. This guide will certainly discuss the different types of insurance coverage and also what they cover. We will likewise offer suggestions on selecting the ideal plan for your requirements. Table Of Contents The most common kind of insurance coverage is wellness insurance coverage.


This policy can be used to cover the cost of your home mortgage, passion, and also other related expenditures.

Tenants' insurance can be pricey, so it is crucial to go shopping about and contrast rates prior to purchasing a policy. Umbrella insurance coverage is a plan that will certainly give economic defense if you are sued.

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Nevertheless, umbrella insurance can be costly, so it is important to shop around and also compare prices before acquiring. Dental insurance is a kind of policy that will certainly give you with monetary security to cover the cost of your oral treatment. This plan can cover the price of your oral treatment, shed incomes, and various other expenditures.

Many various other sorts of plans are offered, so it is necessary to study and locate one that best matches your needs. If you have any kind of inquiries concerning insurance policy, make sure to contact us as well as request a quote (Slidell commercial insurance). They will be able to help you choose the best policy for your requirements.


We can not stop the unanticipated from happening, yet sometimes we can secure ourselves and also our families from the worst of the financial results. Choosing the best type and also quantity of insurance coverage is based upon your details circumstance, such as kids, age, way of living, and employment advantages. Four sorts of insurance that the majority of financial professionals recommend consist of life, wellness, vehicle, and long-term disability.

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It includes a survivor benefit and also a cash worth element. As the value grows, you can access the cash by taking a loan or withdrawing funds as well as you can end the plan by taking the cash money value of the policy. Term life covers you for a collection amount of time like 10, 20, or three decades and your premiums remain secure.


Long-term impairment insurance policy supports those who come to visit site be not able to work. Slidell homeowners insurance. According to the Social Security Management, one in four workers going into the labor force will certainly end up being disabled before they get to the age of retired life. While medical insurance spends for hospitalization and also medical expenses, you are frequently burdened with every one of the expenses that your paycheck had covered.

This would be the most effective choice for safeguarding affordable disability insurance coverage. If your employer doesn't offer long-lasting coverage, right here are some points to consider before acquiring insurance coverage by yourself: A plan that ensures income substitute is ideal. Lots of plans pay 40% to 70% of your income. The price of impairment insurance is based upon numerous factors, including age, lifestyle, and health and wellness.

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Nearly all states need drivers to have automobile insurance as well as minority that don't still hold drivers financially in charge of any damages or injuries they trigger. Below are your choices when buying vehicle insurance coverage: Obligation insurance coverage: Spends for residential property damages and also injuries you trigger to others if you're at mistake for a mishap and likewise covers lawsuits expenses and also judgments or settlements if you're sued as a result of a cars and truck mishap.




Company coverage is often the very best alternative, however if additional resources that is not available, obtain quotes from several carriers as several provide discounts if you buy more than basics one kind of insurance coverage.


It really feels like a pain when you don't need it, but when you do require it, you're freakin' glad to have it there. It's everything about transferring the threat below. Without insurance, you can be one cars and truck wreckage, sickness or emergency situation far from having a significant cash mess on your hands.

What Does Slidell Homeowners Insurance Mean?

Not exactly sure what the distinction is between all of these? Have no fearwe'll damage down everything you require to find out about each of these types of insurance policy. If there's just one sort of insurance policy that you authorize up for after reading this, make it term life insurance policy. Sure, a lot of individuals know life insurance policy is essential, but in some way they still do not make it a priority.

 

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If you reside in an additional state part of the year, discover if the strategy will certainly still cover you. Many strategies need you to make use of normal services within the service area (other than for emergency situation care), which is usually the region in the state where you live. Figure out if the strategy consists of: Monthly premiums, Any copayments for numerous solutions, Any out-of-pocket limits, Prices to use non-network providers, If you have Medicaid or receive long-term treatment, or live in an assisted living facility, Special Requirements Strategies may be offered in your area.


In-network suppliers bill the plan properly and/or refer to Medicaid companies as needed. The service providers' office understands what Medicaid covers as well as what the plan covers. You'll have monthly premiums to pay. Medicaid will not cover MA plan costs.

 

 

 

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When you are enlisted in the NALC Wellness Benefit Plan High Alternative and also Medicare Component B, your Medicare Part B plan will certainly pay benefits as the primary payor (pays initially). Your Medicare Component B claims are sent online to the NALC Health Benefit Plan High Option where we will pay the Medicare Component B deductible and also coinsurance on covered services.


(Medicare Benefit Plans) are Medicare health insurance plan choices that are part of the Medicare program. If you determine to sign up with one of the several Medicare Advantage strategies, you normally need to get every one of your Medicare covered health and wellness treatment with that Strategy. Medicare Benefit plans can likewise consist of prescription medication insurance coverage.

 

 

 

About Paul B Insurance Medicare Part D

When you are enrolled in a Medicare Part D Plan and Medicare Component D pays initially, the NALC Wellness Benefit Plan High Choice will certainly forgo your retail fill limitation as well as retail day's supply limitations. We will work with benefits as the secondary payor as well as pay the equilibrium after Medicare's drug payment or our prescription medication benefit; whichever is the minimal quantity.


Recap: Medicare Advantage, additionally called Medicare Component C, makes it feasible for individuals with Medicare Part A (hospital insurance policy) and also Component B (clinical insurance) to receive their Medicare benefits in an alternative way (paul b insurance medicare part d). Medicare Advantage plans are offered by private insurance provider got with Medicare and provide at least the very same degree of insurance coverage that Original Medicare offers.

 

 

 

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Several likewise coordinate the distribution of included advantages, such as vision, oral, and hearing treatment. You may prefer the benefit of functioning with one plan administrator. With the federally carried out Medicare program, enrollees can normally go to any kind of medical professional or center that accepts Medicare and also get the very same level of Medicare benefits for protected services.


The following kind of Medicare Benefit strategy is Preferred Provider Company (PPO) plan, a knockout post you are clinically covered with a personal Medicare-approved insurance policy business. Among the advantages of PPO is that you can conserve cash by seeing the plans in-network service providers. The 3rd Medicare Advantage strategy is Private Fee-for-Service (PFFS) Plan.

 

 

 

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To enroll, you should live in the Medicare Benefit strategy's solution area a minimum of 6 months of the year. If you separate your time in between residences located in various locations, this requirement may be challenging to satisfy. The bottom line is that Medicare Advantage plans may supply even more cost effective insurance coverage than you would certainly get otherwise.


Call us as well as talk with a qualified insurance policy representative regarding finding Medicare Benefit intends in your location and your Medicare coverage alternatives. Discover an economical Medicare plan with added benefits.

 

 

 

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Moving your health protection to Medicare can visit their website feel overwhelming and complex however we can aid make it much easier. The first action in selecting the right insurance coverage is understanding the 4 components of Medicare. Listed below, find out the essentials of exactly how each part works and also what it covers, so you'll know what you require to do at every step of the Medicare procedure.

 

 

 

(Individuals with certain specials needs or wellness conditions might be qualified prior to they turn 65.) It's developed to shield the health as well as health of those that use it. The 4 parts of Medicare With Medicare, it's crucial to understand Parts A, B, C, and D each part covers certain solutions, from medical care to prescription medications.

 

 

 

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Original Medicare covers only around 80% of health center and also clinical costs as well as does not consist of prescription medication protection. You need to have Part A, Component B, or both prior to you can get Part C. Component C recognized as Medicare Benefit is an additional means to obtain Part An and Component B protection.


If you're currently getting Social Security advantages, you'll instantly be signed up partially An as quickly as you're qualified. Discover about when to sign up in Medicare. paul b insurance medicare part d. You can get Part A at no expense if you or your spouse paid right into Medicare for at the very least one decade (or 40 quarters).

 

 

 

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Medicare Advantage is an all-in-one strategy that bundles Original Medicare (Part An as well as Component B) with added benefits. Kaiser Permanente Medicare health insurance are examples of Medicare Advantage strategies. Keep in mind that you need to be registered in Component B and eligible for Part A prior to you can enroll in a Medicare Advantage plan.


They support for you with these programs and also aid you get the services you require. Medicare Conserving Programs aids pay for all or some of the Medicare regular monthly settlements, co-pays and deductibles (money owed to the doctor if Medicare doesn't cover the entire costs). Have to be entitled to Medicare Part A $ 1,133 Individual restriction $ 1,526 Pair limit Should be entitled to Medicare Part A $1,133.

 

 

 

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It is an excellent try this site idea to evaluate your current Medicare plan every year to see to it it still satisfies your needs - paul b insurance medicare part d. To find out more concerning the Medicare Benefit open enrollment period, or assistance with your testimonial and also strategy comparison, contact the Michigan Medicare/Medicaid Support Program (MMAP) at 800-803-7174 or visit their website at .