Insurance FAQ | Golden Hands Insurance Philadelphia

Question 1

What is the Medicare Annual Enrollment Period (AEP)?

Accepted Answer

The Medicare Annual Enrollment Period runs October 15 – December 7 each year. During this window you can switch Medicare Advantage plans, change from Original Medicare to a Medicare Advantage plan, or change your Part D prescription drug plan. Changes take effect January 1. If you miss AEP, you may have to wait until the next year unless you qualify for a Special Enrollment Period.

Question 2

What is the difference between Medicare Supplement (Medigap) and Medicare Advantage?

Accepted Answer

Medicare Supplement (Medigap) plans work alongside Original Medicare (Parts A & B) to cover the gaps — like copays, coinsurance, and deductibles. You can see any doctor who accepts Medicare. Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare offered by private insurers; it often includes drug coverage and extras like dental and vision, but uses a network of providers. The right choice depends on your health needs, budget, and preferred doctors. We can walk you through both options in your language.

Question 3

What is Pennie and how is it different from Medicare?

Accepted Answer

Pennie is Pennsylvania's official health insurance marketplace for ACA (Affordable Care Act) plans. It is for people under 65 who do not have employer coverage or Medicaid. Medicare is a federal program for people 65 and older (or those with certain disabilities). If you are under 65 and need health insurance, Pennie is where we help you enroll. If you are turning 65, we help you transition to Medicare.

Question 4

Do you accept walk-ins?

Accepted Answer

Yes — walk-ins are welcome at our office at 643 Washington Ave, Philadelphia, PA 19147. Our hours are Monday through Friday, 9:00 AM to 5:00 PM. Appointments are preferred so we can give you our full attention, but we will always do our best to help walk-in visitors. Call 215-377-9560 to schedule.

Question 5

Which languages do you speak?

Accepted Answer

We serve clients in English, Tiếng Việt (Vietnamese), ភាសាខ្មែរ (Khmer/Cambodian), 粵語 (Cantonese), and 普通話 (Mandarin). You never have to struggle through insurance paperwork in a language that is not your own.

Question 6

Which states are you licensed in?

Accepted Answer

Golden Hands Insurance LLC is a licensed insurance producer in Pennsylvania, New Jersey, and Delaware. We can help clients across the greater Philadelphia area, South Jersey, and Delaware with most personal and commercial lines of insurance.

Question 7

What does 'independent broker' mean?

Accepted Answer

An independent broker is not tied to any single insurance company. We work with multiple carriers and compare their rates and coverage options to find the best fit for you. A captive agent, by contrast, can only sell one company's products. Because we are independent, our loyalty is to you — not to any insurer.

Question 8

Can you help with business insurance for a nail salon or restaurant?

Accepted Answer

Absolutely. We specialize in small business insurance for the types of businesses common in our community — nail salons, hair salons, restaurants, retail shops, and contractors. We can help with general liability, a Business Owner's Policy (BOP), workers' compensation, and commercial auto. Call or visit us to discuss your specific business.

Question 9

Do you serve clients in New Jersey and Delaware?

Accepted Answer

Yes. We are licensed in Pennsylvania, New Jersey, and Delaware. Many of our clients live in South Jersey (Camden, Burlington, Gloucester counties) or Delaware and work in Philadelphia. We can help you with coverage across all three states.

Question 10

Does the website bind coverage?

Accepted Answer

No. This website is for informational purposes only. Coverage is not bound until you speak with a licensed producer and complete the application process with the chosen carrier. Please call 215-377-9560 or visit our office to start the process.

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