Having the right Medicare plan can mean peace of mind when it matters most. We're here to help you and your family.
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The world of health insurance keeps changing. You have more choices to consider... more questions to ask... and more reasons to turn to the resource you know and trust. The North Carolina State Firefighters' Association has endorsed this service to help members better understand Medicare, explore plan options, and choose the right solution for your need.
Medicare is a federal health insurance program for people age 65 and older, people under 65 with certain disabilities, and people of all ages with end-stage renal disease ("ESRD").
Inpatient hospital and skilled-nursing care
Doctor visits, outpatient care
(Only available through private health plans)
(Only available through private health plans)
If I get Original Medicare from the government, why do I need to buy a private health plan?
Original Medicare does not cover:
Deductible, coinsurance and copays for covered services
Most dental care
Most prescription medicines
Routine eye care
Routine hearing exams
Services outside the U.S.
Certain private health plans may cover some or all of these services
When can I enroll?
The Initial Enrollment Period (IEP)
3 months before you turn 65
The month you turn 65
3 months after you turn 65
Sign up for Medicare Parts A, B, D
The Annual Election Period (AEP)
Oct 15 to Dec 7
Sign up for new medical and prescription medicine coverage
All enrollment options are available
Changes effective Jan. 1 of the next year
The Special Enrollment Period (SEP)
This is for special life events, like moving to a new state or retiring. Visit medicare.gov for more info.
A team you can trust
The North Carolina State Firefighters' Association is committed to promoting and protecting the interests and well-being of professionals like you. Through our partnership with Ignitist, we're working on your behalf to help you make informed decisions about Medicare and choose coverage that's right for you.
This notice provides you with information about our privacy practices.
In the course of our business relationship with you, we collect information about you that is necessary to provide you with our products and services. We treat this information as confidential and recognize the importance of protecting it.
This notice describes our privacy practices regarding information about our customers and former customers that obtain financial products or services from us for personal, family, or household purposes. When state law is more protective of individuals than federal privacy law, we will protect information in accordance with state law consistent with the requirements of federal preemption.
Information We Collect
We collect and maintain information about you to provide you with the coverage, product or service you request and to service your account.
We collect certain information ("nonpublic personal information") about you and the members of your household ("you") from the following sources:
Information we receive from you on applications or other forms, such as your social security number, assets, income, and property information;
Information about your transactions with us, our affiliates or others, such as your policy coverage, premiums, and payment history;
Information we receive from a consumer reporting agency or insurance support organization, such as motor vehicle records, credit report information and claims history; and
Information from your visits to Ignitist or other websites we operate, use of our mobile sites and applications, use of our social media sites, and interactions with our online advertisements.
How We Protect Your Information
At Ignitist, our customers are our most valued assets. Protecting your privacy is important to us. We restrict access to personal information about you to those individuals, such as our employees and agents, who provide you with our products and services. We require those individuals to whom we permit access to your customer information to protect it and keep it confidential. We maintain physical, electronic, and procedural safeguards that comply with applicable regulatory standards to guard your nonpublic personal information.
We do not disclose any nonpublic personal information about you, as our customer or former customer, except as described in this notice.
Information We Disclose
We may disclose the nonpublic personal information we collect about you, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements and to other third parties, all as permitted by law.
Many employers, benefit plans or plan sponsors restrict the information that can be shared about their employees or members by companies that provide them with products or services. If you have a relationship with Ignitist or one of its affiliates as a result of products or services provided through an employer, benefit plan or plan sponsor, we will abide by the privacy restrictions imposed by that organization.
We are permitted to disclose personal health information (1) to process your transaction with us, for instance, to determine eligibility for coverage, to process claims or to prevent fraud; (2) with your written authorization, and (3) otherwise as permitted by law.
Sharing Information with Affiliates
Ignitist encompasses various affiliates that offer a variety of financial products and services in addition to insurance. Sharing information enables our affiliates to offer you a more complete range of products and services.
We may disclose nonpublic personal information, as described above in Information We Collect, to our affiliates, which include:
Financial service providers such as insurance companies and reciprocals, investment companies, underwriters and brokers/dealers; and
Non-financial service providers, such as management companies, attorneys-in-fact and billing companies.
We are permitted by law to share with our affiliates our transaction and experience information with you.
In addition, we may share with our affiliates consumer report information, such as information from credit reports and certain application information that we have received from you and from third parties, such as consumer reporting agencies and insurance support organizations.
We reserve the right to change our privacy practices in the future, which may include sharing nonpublic personal information about you with non-affiliated third parties. Before we do that, we will provide you with a revised privacy notice and give you the opportunity to opt out of that type of information sharing.
Our website privacy notices, such as the one located at Ignitist, contain additional information particular to web site use. Please pay careful attention to those notices if you transmit personal information to Ignitist over the Internet.
Ignitist's policy is to protect the confidentiality of the individually identifiable information that you provide, and to limit access to that information only to those with a need to know. Ignitist may collect your name, address, phone number and e-mail address at this site. We will use this information to provide you information you request, to refer you to a Ignitist agent, to refer you to a third party service provider or to comply with a legal requirement. When you encounter a screen in this site that asks for information you do not want us to have or use, you should not proceed further with that screen.
We have agreements with third parties that allow you to go to their web site from our Web Site. If you go to these sites from our site, you may be asked to give non-public personal information for access to their services or products. You may become a part of that business' customer base and be subject to their policies regarding the handling of customer data.
Our policy is to restrict access to nonpublic personal information about you only to those employees who need to know that information to provide products or services to you or to provide necessary technical support. We require the employees with access to your nonpublic personal information, including your social security numbers, to use safeguards against unauthorized access, use and unlawful disclosure. We require our employees to adhere to high standards of ethics and integrity in performing their jobs and conducting business. We also require the same standards of confidentiality from the service vendors that assist us. Ignitist uses no encryption (data scrambling) on public portions of the Site and up to 2048-bit encryption on other portions-typically, where you can enter personally identifiable information. When you are on any web site that asks you for confidential information, you should check to see if the information being transmitted is encrypted in order to increase the security of your information.
In addition to the information you provide us, we collect information about your activities while you are at our site. While you are logged in our site, we log IP addresses (a number assigned to your computer when you use the Internet), browser and platform types, domain names, access times, referral data (the last site or URL you visited before logging into our site and the first site or URL you visit after leaving our site), and your activity while using or reviewing our site. We obtain the information by using cookies.
Right to Preserve and Disclose
Ignitist may preserve for any period of time it deems appropriate all information you provide. Ignitist may also disclose information you provide if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) complete your transaction; (b) comply with legal process; (c) enforce this Agreement; (d) respond to claims that any materials on this site violate your rights or the rights of third parties; (e) protect the rights, property, or personal safety of Ignitist, its users and/or the public; or (f) in the event that all or substantially all of Ignitists' assets are acquired by a third party.
We reserve the right, at any time, to change or modify our policies on the use of information you provide us, and will post the revised policy on our website. We, therefore, recommend you review this policy statement each time you may be asked to give us personal information after accessing this site.
Children and Minors
Ignitist makes no active effort to collect personal information from children and does not wish to receive any such information.
Effective June 9th, 2021
Please carefully read this notice before you use this website. This website is provided by Ignitist and may be used for informational purposes only.
We created this website for the convenience of its internet visitors. The information is presented without express or implied warranties and is provided "AS IS." Due to the nature of the internet, we cannot guarantee the accuracy of the information contained in this website or its suitability for any purpose. We do not guarantee the completeness or authenticity of the information contained on this website, or the information, text, graphics, links, website functionality and other items contained on this server.
We do not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available is free of viruses or other harmful components as such information is received by you because we cannot control the transmissions of information over the internet.
Information provided on this website is believed to be generally reliable when posted. However, we cannot guarantee that the information will be accurate, complete and current at all times. This website could include technical inaccuracies or typographical errors. We will from time to time revise the information, products, or services described in this website, and reserves the right to make such changes without notice.
The use of this website is entirely at your risk. We will in no event be liable for damages, including without limitation direct or indirect, special, incidental, punitive, or consequential damages, losses or expenses arising in connection with using this website or using hypertext links contained herein. We cannot vouch for the accuracy and takes no responsibility for the content of any websites connected by hyperlink to the Ignitist internet site. We will also not be responsible for computer virus contamination of your system. It is your responsibility to scan any downloadable materials received from the Internet.
Consent to Contact
By submitting your telephone number on Ignitist you provide your signature expressly consenting to contact from tele-sales representatives, insurance agents, brokers or other agencies at the number provided regarding products or services via live, automated or prerecorded telephone call. You understand that you are not required to enter into this agreement as a condition of purchasing property, goods, or services. You understand that you can revoke this consent at any time.