FAQs
General
Q: What services does True Shield Life & Health offer?
A: We provide Medicare plans (including MAPDs), life insurance, and health coverage for individuals and families in Iowa, Nebraska, Missouri, and Kansas.
Q: Are you part of the government or Medicare?
A: No. We are an independent insurance agency, not affiliated with or endorsed by the U.S. government or the Medicare program.
Medicare
Q: What is the difference between Medicare Advantage and Medicare Supplement?
A: Medicare Advantage (Part C) is an all-in-one plan offered by private insurers that may include drug coverage. Medicare Supplement (Medigap) helps pay costs Original Medicare doesn’t cover. We can help you decide which fits your needs.
Q: When can I enroll in a Medicare Advantage plan?
A: You can enroll during the Annual Enrollment Period (Oct 15–Dec 7) or a Special Enrollment Period if you qualify.
Q: What happens if I miss open enrollment?
A: You may qualify for a Special Enrollment Period due to life changes such as moving or losing coverage. Contact us to check your eligibility.
Life Insurance
Q: What types of life insurance do you offer?
A: We offer term life, whole life, and guaranteed issue policies, including final expense plans. Each has different features based on your goals and health.
Q: Do I need a medical exam?
A: Not always. Some policies require a medical exam, but we also offer no-exam and guaranteed-acceptance options.
Health Insurance
Q: Can I get health insurance outside of Open Enrollment?
A: Yes, if you qualify for a Special Enrollment Period. We also offer short-term and supplemental health plans that are available year-round.
Q: What’s the difference between ACA and short-term plans?
A: ACA plans cover all essential health benefits and pre-existing conditions. Short-term plans are typically more affordable but limited in coverage. We'll help you compare.
Appointments & Process
Q: How do I schedule an appointment?
A: You can use our Schedule Appointment button on the site, or call (515) 207-0129 to book a time that works for you.
Q: What should I bring to my appointment?
A: For Medicare: your red, white & blue Medicare card, list of prescriptions, and doctors. For life or health insurance: basic health info, ID, and budget goals.
Q: Is there a cost for your services?
A: No. Our consultations are always free. We are compensated by the insurance carriers — not by you.
📬 Still Have Questions?
Contact us at:
📧 dmueller@trueshieldlife.com
📞 (515) 207-0129