Frequently Asked Questions

At Don Eric Weber Insurance, we are Independent Insurance Brokers, there WE WORK FOR YOU. We offer personalized guidance and local expertise to the Wilmington, NC community while also providing service nationwide. Unlike a single-carrier agent, we offer a wide range of plans from multiple carriers, ensuring our recommendations are always in your best interest and tailored to your unique needs.

No, we do not charge- and it costs you the same as when you do it yourself. Insurance rates are fixed, there are no special discounts! Sure, we know that you could buy many forms of Insurance online, especially Health Insurance. But only a Licensed Insurance Agent is trained to know the subtle difference between plans, and we have helped hundreds of people choose the best Insurance option for their needs. Our Clients stay with us because we help them change their coverage annually if their family’s needs have changed.

We are conveniently located in Wilmington, NC, and we also proudly serve clients in Leland, Southport, Hampstead, Wrightsville Beach, Carolina Beach, and the surrounding areas. But we are Experts in Online Sales and Service, therefore we help people with Health Insurance Nationwide, with a special focus on South Carolina, Florida, Texas, Virginia, Maryland, Pennsylvania, New Jersey and more. Reach out to learn what products and services are available in your state.

Yes. We are experts in online presentation and enrollments. For over 15 years we have we have helped people remotely purchase Health Insurance, Medicare, Life Insurance and Annuities.

Yes, absolutely. We are your full-service Broker for Health Insurance, Medicare plans, Dental and Vision Insurance, Life Insurance, and Retirement Planning. Our goal is to be your trusted partner for a wide range of coverage needs.

Affordable Care Act (ACA) plans are required by law to cover ten essential health benefits and cannot deny you coverage for a pre-existing condition. They are often the best option for individuals and families who qualify for government subsidies based on their income, but the Networks are more limited, typically HMO and EPO Networks. Private Health plans typically offer PPO Networks which are more flexible in their coverage and are often a good fit for individuals who don't qualify for ACA subsidies and are looking for specific Providers and Hospitals or more tailored coverage. Our Health Insurance advisors can help you compare ACA and Private Health Plan options.

Yes, CMS (Centers for Medicare and Medicaid Services) announced on June 20, 2025 announced that there will be strict enforcement of its requirements for Proof of Income, Citizenship or Legal Presence, and the requirement to reconcile the Advanced Premium Tax Credit (APTC) received when you file your Taxes. Contact Don Eric Weber Insurance for help staying Compliant with ACA Regulations.

Tax Premium Tax Credits (APTC) are the Subsidy Dollars applied to your Monthly Premium that lower your cost. The Subsidies increased temporarily under ARPRA (American Rescue Plan and Recovery Act) but that is over. Individuals or Households who make over 400% of the FPL (Federal Poverty Level) will no longer receive any APTC Subsidy, so their Health Insurance will be more expensive, Families who earn over 300% of the FPL may also find the ACA Health Insurance too expensive. However, there are Off-Market Plans with similar or better benefits, including Nationwide PPO Networks. Reach out to us at Don Eric Weber Insurance for Non-ACA Private Health Insurance options.

The best time for senior insurance planning is three to six months before your 65th birthday. This gives you plenty of time to explore your options and enroll without facing penalties. We offer dedicated medicare plan guidance to simplify this process for you.

This is a crucial distinction. Medicare Advantage (Part C) is an all-in-one plan that often has a lower monthly premium and typically includes PDP Prescription Drug coverage and some dental/vision coverage, but it typically has network restrictions and higher out-of-pocket costs when you use care. You Medicare is now provided through the Insurance Company that you chose. Original Medicare (parts A&B) with a Medicare Supplement (Medigap) means you have nationwide access to any doctor or hospital that accepts Medicare, but you will pay a separate monthly premium and need a separate Part D prescription drug plan. Should you choose Medicare Advantage or Original Medicare with a Supplement? We can help you determine which path is right for your unique situation.

You can decide your level of coverage by choosing between the different levels available, like Plan G, Plan F, Plan N, etc, then we will help you find a carrier with a low price available in your Zip Code. FOR EXAMPLE: All Medigap Plan G’S work the same, so the Insurance Company offering the plan makes not difference, but the SAME PLAN could be $30 to $100 less for month from a different Carrier. Don Eric Weber Insurance will help you find a god Medicare Supplement with a great low price!

Yes, we assist with all aspects of your Medicare planning, including finding a Part D Medicare Prescription Drug Plan that fits your specific medication needs. We look up your medications and estimate your annual cost.

You can wait, but after 63 days there is a Late Enrolment Penalty (LEP) that amounts to 1% for every month that you go without Part D PDP, or other creditible coverage. That means if your wait 24 months they will add 24% of the National Base Plan (currently $36.78). That mistake would add $8.83 to whatever Part D Prescription Drug Plan that you choose, as long as you have one. To avoid penalties and limitations to your Medicare choices contact Don Eric Weber Insurance.

Yes, contact Social Security to apply for a Low Income Subsidy (LIS). Once qualified, it can be automatically applied to the cost of your Medicare Part D Prescription Drug Plan. 

Our retirement advisors are experts in creating retirement income plans that focus on safe-money strategies to reduce risk and protect your savings. We provide retirement planning guidance on topics like Social Security, annuities, and tax minimization to ensure your legacy and lifestyle are protected.

An indexed annuity is a type of retirement savings vehicle that offers safety (no-loss investment), growth potential tied to the market, and the ability to convert your money into a lifetime stream of income you can never outlive. It's a key component of our safe-money strategies.

Yes. We understand that maximizing your Social Security and other retirement benefits is a critical part of a successful retirement plan. We provide expert insurance guidance to help you make informed decisions about when and how to claim your benefits.

We offer comprehensive business insurance planning to help you with commercial benefits package planning, including creating customized employee benefits packages, setting up tax-advantaged health plans like QSEHRAs, and strategizing for key-person coverage, buy-sell agreements, and business continuity.

Yes. Offering a robust and competitive benefits package is one of the best ways to attract and retain great employees. Our commercial benefits package planning services are designed to create a plan that fits your budget while providing the kind of coverage that makes your business a great place to work.

While some health plans may offer limited dental coverage, a dedicated dental insurance plan offers more comprehensive dental coverage for preventive, basic, and major services. This helps you manage the costs of routine check-ups, cleanings, and more serious procedures, ensuring peace of mind for your dental health.

Yes, for added convenience and savings, we offer the option to bundle your dental and vision insurance plans. This is a simple and cost-effective way to get the coverage you need for both your oral and vision health.