FAQs – AskCarolB

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Frequently Asked Questions

Below are links to frequently asked questions about health insurance and supplement plans for individuals, families and small business.

Click on a topic below to view a list of related questions.

MEDICARE

What is Original Medicare?

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What is Part C - Medicare Advantage?

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What is a Medicare Supplement Plan?

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What is Part D - Prescription Drug Plan?

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What is IRMAA and why does it affect Part B and Part D?

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UNDER 65

What does Marketplace and On-Exchange mean?

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Can I buy private health insurance through Ask Carol B and not buy Obamacare?

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For a Small Business Plan, how many employees am I required to have?

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Why would I need a Short-Term Medical Plan?

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How is Medi-Share Healthcare Sharing Ministry different from insurance?

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SUPPLEMENTAL INSURANCE

What is the difference between a Dental Insurance Plan and a Dental Discount Savings Plan?

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What is covered in a typical Vision Plan?

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When do I need a Hearing Plan?

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What is a Critical Illness Plan?

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How does a Critical Illness Plan work?

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What can the lump sum benefit help pay?

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What does an Accident Plan offer?

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How does this Plan help?

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What is a Hospital Indemnity Insurance Plan?

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What does a Hospital Indemnity Plan cover?

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Are there waiting periods for benefits?

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What is Short-Term Recovery Care insurance?

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How does Short-Term Recovery Care insurance work?

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What is Short-Term Recovery Care insurance used for?

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What is Long-Term Care Insurance?

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What does Long-Term Care Insurance cover?

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Who needs Long-Term Care Insurance?

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Are there different types of insurance policies to pay funeral costs?

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When should I buy a Final Expense Insurance policy?

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What are the advantages and disadvantages of funeral expense insurance?

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Does Travel Health Insurance cover me internationally?

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Does Travel Health Insurance include non-emergency conditions?

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AskCarolB puts you at the center of everything we do. As licensed agents, we will guide you through the Medicare maze at no cost. We work with the top carriers in the nation to tailor a plan that meets your needs at the lowest price available.

AskCarolB truly cares that you are protected as you age. We provide clarity and security in the choices made.

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AskCarolB.com is owned and operated by Ask a Friend, Inc., and is a privately-owned website. This Website serves as an invitation for you, the customer, to inquire about further information regarding Medicare Supplement Insurance, Medicare Advantage and Prescription Drug Plans, as well as Marketplace and Ancillary Health Insurance plans and submission of your contact information constitutes permission for a licensed sales agent to contact you with further information, including complete details on cost and coverage of this insurance. Individual products and features are subject to availability and may vary by state according to the carrier’s plan options. Premiums are based on ZIP code, age, household discounts and tobacco use and are not a guarantee of cost reduction.

This is a solicitation for insurance. Although we are contracted with many carriers, this is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. AskCarolB.com markets a portfolio of a wide variety of health insurance and supplemental insurance products such as on and off-exchange health, dental, vision, hearing, indemnity plans, long term care, final expenses, etc. AskCarolB.com’s quoting platforms do not include all health insurance companies or all available insurance products.

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