Help & FAQs

Yes. Consultations are always free and carry no obligation. If we end up enrolling you in a plan, the insurance carrier pays us a commission, and that commission does not change your premium. You never pay us directly.

No. West Penn Legacy Group is independent. We compare plans across more than twenty top-rated carriers, including Aetna, UnitedHealthcare, Humana, Cigna, Highmark, UPMC and Mutual of Omaha, and recommend what fits your situation, not a quota.

If you have credible employer coverage through your job or your spouse's current job, you can often delay Part B and Part D without penalties. When that coverage ends, a Special Enrollment Period lets you sign up. We help you time it so nothing lapses and nothing overlaps.

Absolutely, and it is one of the most useful things we do. Plans change every year, and so do your needs. We review what you have, explain it in plain English, and tell you honestly whether staying put or switching serves you better.

Nothing changes, and that is the point. You keep the same advisor and the same direct phone number. We handle renewals, plan reviews during the Annual Enrollment Period, claims questions, and every life change that affects your coverage.

It depends on what you want to protect. Final expense coverage keeps end-of-life costs off your family's shoulders, and some permanent policies build value your heirs receive tax-free. We will tell you plainly if you do not need it.

Call (800) 366.8011 or use the contact form. A first conversation usually takes about twenty minutes, and you will leave it knowing your options, whatever you decide to do next.