Frequently Asked Questions
- Where can I find answers to my Medicare questions?
- I lost my Medicare Card, what should I do?
- What should I do if I call my Hoyek Agent and I don't hear from them?
- Why do I need Long Term Care? I'm covered by Medicare.
- What are the differences in Annuities?
- Why should people with insurance pay to cover those who don't have it?
- What do I need to do if I want to cancel my contract?
- How good is the company I am with?
1. Where can I find answers to my Medicare questions?
Medicare.gov has been redesigned to make it easier and faster for you to answer your Medicare Questions.
- Medicare.gov Frequently Asked Questions
2. I lost my Medicare Card, what should I do?
Medicare.gov allows you to order a replacement card. It may take around 4 weeks to receive your new one.
- How do I order a replacement Medicare Card?
3. What should I do if I call my Hoyek Agent and I don't hear from them?
Usually our agents will return calls within 24 hours from the time you called. If you don't receive a call back you should call the company directly that you have a policy with.
If it is an EMERGENCY and you need care immediately you should DIAL 911.
4. Why do I need Long Term Care? I'm covered by Medicare.
Medicare only covers medically necessary care and focuses on medical acute care such as a visit to the doctor and/or hospital stays. Medicare does not pay for the largest part of Long Term Care services or personal care such as help with bathing and/or supervision often called custodial care. You should consult with a professional to get the latest updates.
5. What are the differences in Annuities?
There are two types of Annuities: Variable Annuity and Fixed Annuity
- Variable Annuities – Operate a lot like Mutual Funds. All risks are passed to the Investor.
- Fixed Annuities – Operate like an account at a bank paying a state rate of interest. A Fixed Indexed Annuity pays a minimum rate and the potential for more interest depending on the performance of independent equity or the bond index.
Always consult with a professional for details and updates about interest rates.
6. Why should people with insurance pay to cover those who don't have it?
American families with insurance pay a hidden tax of roughly $1,000 for the cost for people without insurance. As more Americans become insured, that hidden tax will disappear by spreading the risk.
7. What do I need to do if I want to cancel my contract?
You must call the company directly that you are insured with. Some may handle it over the phone or they may request a cancellation in writing.
8. How good is the company I am with?
Evaluation of your company financial strength is very important. Most companies provide a financial statement and how they have been rated. We recommend dealing with A Rated Companies.