Non-government entity · Powered by NativeReps FMO, LLC, a health insurance agency Licensed insurance agents serving VA · TN · WV · KY · NC · SC
Annual Enrollment Period: October 15 – December 7

Medicare help from a neighbor who knows these hills.

Our licensed agents live in the same Appalachian communities they serve. We’ll explain your options in plain English, compare plans from the companies we represent, and help you enroll. There’s no charge for our help.

Talk to a local agent

Tell us how to reach you and a licensed agent near you will call.

Please don’t include health details here. Your agent will go over your doctors and prescriptions with you on the call.

Local, licensed agents

Your agent lives in the region and understands the doctors, hospitals, and pharmacies near you.

8 insurance companies

We compare plans from the companies we represent, so you can see your options side by side.

Help all year long

Questions about a bill or a coverage change? Call us any time, not just during enrollment.

Plans we help with

Every part of Medicare, explained plainly.

PART C

Medicare Advantage

All-in-one plans from private insurance companies that cover hospital and medical care, and often prescriptions. Many use a network of local doctors, so we’ll check yours.

MEDIGAP

Medicare Supplement

Works alongside Original Medicare to help pay costs like deductibles and coinsurance. You can see any doctor nationwide who accepts Medicare.

PART D

Prescription Drug Plans

Stand-alone drug coverage for people with Original Medicare. We’ll look up your medications and preferred pharmacy to compare costs.

MORE COVERAGE

Dental, vision & other health plans

Extra protection for the things Medicare doesn’t fully cover. Ask your agent which options make sense for you.

How it works

Four simple steps, at your pace.

1

Reach out

Call us or request a call. We’ll connect you with a licensed agent in your area.

2

Talk about your needs

Your doctors, prescriptions, budget, and what matters most to you.

3

Compare and decide

We walk through the plans side by side. You choose, with no pressure.

4

We stay in touch

Each year we’ll review your plan with you before enrollment season.

Key Medicare dates

Know when you can make changes.

Missing a window can mean waiting a year. We’ll help you keep track.

Oct 15 – Dec 7

Annual Enrollment Period

Join, switch, or drop a Medicare Advantage or Part D plan. Changes start January 1.

Jan 1 – Mar 31

Medicare Advantage Open Enrollment

If you’re in a Medicare Advantage plan, you can make one switch or return to Original Medicare.

Around your 65th birthday

Initial Enrollment Period

A 7-month window: the 3 months before your birthday month, that month, and the 3 months after.

When life changes

Special Enrollment Periods

Moving, losing other coverage, or qualifying for extra help can open a window to change plans.

Where we serve

Local agents across six Appalachian states.

VirginiaTennesseeWest VirginiaKentuckyNorth CarolinaSouth Carolina

We meet by phone, by video, or in person, whichever is easiest for you.

Common questions

Good questions deserve straight answers.

Does it cost anything to work with you?

No. There’s no charge for our help. Agents are paid by the insurance companies, and the price of a plan is the same whether you enroll with us or on your own.

Do you offer every plan in my area?

No. We represent 8 insurance companies. For information on all of your options, you can contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Program (SHIP).

Will someone come to my home?

Only if you’d like that. Most people start with a phone call. Before any appointment, we’ll confirm which types of plans you want to discuss.

Can I keep my doctors?

It depends on the plan. We’ll check whether your doctors and pharmacy are in network before you decide.

Ready to talk it through?

Call Monday–Friday, 9:00 am – 5:00 pm ET, or request a call any time.

We do not offer every plan available in your area. Currently we represent 8 organizations which offer 90 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Appalachian.Health is a non-government entity powered by NativeReps FMO, LLC, a health insurance agency. Licensed in Virginia, Tennessee, West Virginia, Kentucky, North Carolina, and South Carolina.

Contact(276) 600-0064[email protected]Mon–Fri, 9:00 am – 5:00 pm ET
Mailing address448 Cummings St #254Abingdon, VA 24210Mail only; no walk-in office