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It's the time of year when Medicare announces changes that affect Medicare beneficiaries and the insurance plans they own.  Like most years, the 2017 changes are small and incremental.  We will discuss them below and how they will affect your out of pocket exposure. (It's important to note that when the officials at CMS (Centers [...]
November 15, 2016

Category: Medicare Advantage, Medicare Supplements

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The Medicare Open Enrollment window for 2017 has begun.  This window to make changes to your coverage runs from October 15th through December 7th.  All Medicare Advantage and Prescription Drug Part D plan changes made will take affect January 1, 2017. Should you miss the Annual Election Period (AEP) window, it may be difficult to [...]
October 26, 2016

Category: Medicare Advantage, Medicare Supplements

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We get the question from our clients all the time, "Do Medicare supplement insurance plans have networks?" A rare few do, but most don't. If you are asking this question, then it's important to better understand how these insurance policies work. In this post we will discuss in detail what you can expect from Medicare [...]
September 26, 2016

Category: Medicare Supplements

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If you're on Medicare and in need of a rx plan, you've likely run across the SilverScript Part D prescription drug insurance plan. It's very competitively priced in most states and offers reasonable copays on many common drugs. We help our Medicare clients enroll directly in the SilverScript Choice plan when it's a suitable option. (We also offer [...]
March 16, 2016

Category: General Insurance, Medicare Advantage, Medicare Supplements

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Reviewing and understanding your supplemental insurance options can be overwhelming when you are new to Medicare. There are several options to choose from and it’s hard to know which plans with which provider will be most suitable for the long haul. In the following article, we provide tips and advice to help you navigate this somewhat …

February 4, 2016

Category: Medicare Advantage, Medicare Supplements

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That’s right, Plan F Medicare supplement will no longer be for sale as of January 1, 2020. As part of the Medicare Access and CHIP Re-authorization Act of 2016, supplemental plans that cover the Part B deductible can no longer be purchased after that time. The legislation also phases out Plan C and it’s our understanding that it will …

January 8, 2016

Category: Medicare Supplements

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If you would like to purchase health insurance outside of the yearly Open Enrollment window, then you will need a qualifying life event (QLE) to do so. Open Enrollment begins on November 15th and lasts through February 15th each year. Without such an event, insurance companies will turn down your application. How Do Qualifying Life …

August 6, 2015

Category: Health Care Reform, Health Insurance

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If you are over 65 and leaving your group health insurance, you’ll need to plan carefully when considering COBRA as your semi-permanent insurance. If you do not enroll in Medicare Part B upon separation from employment, you can face late enrollment penalties including fines and delays. Unfortunately, the transition from group health insurance to Medicare – and the …

July 14, 2015

Category: Medicare Supplements, Retirement Planning

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If you’ve ever been declined a Medicare supplement insurance plan due to medical underwriting, then you know the frustration. Some carriers are more stringent than others and the slightest health issue can be grounds for denial. And in most states, you have only one or two chances to choose a supplement without the need for medical …

June 3, 2015

Category: Medicare Supplements

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Mutual of Omaha offers several different lines of insurance, but they may be best known for their Medicare supplement insurance plans. Their policies are competitively priced across the U.S. and rate increases with many of their supplements have been trending lower the last few years. A.M. Best rates them A+  due to their large base of policy holders, cash …

April 17, 2015

Category: Medicare Supplements

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When you’re new to Medicare, there are decisions to make. Most of our clients compare traditional supplements (Plans, F, G, N, etc.) to Advantage plans, but inevitably the questions arises, ‘What is a Medicare Advantage (MA) plan?’ Through the years, we have found there’s a lot confusion about Advantage plans. They are different from supplements – and …

March 19, 2015

Category: Medicare Advantage

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Welcome to Part II of our two-part series regarding the most frequently asked questions our agency encounters about Medicare Supplement insurance policies. In this installment, we discuss the nuances of these plans including: rates, underwriting, making changes and the agent's role. Click Here To Read Part I Med Supp FAQs  → Learning About Medicare Supplement Rates & [...]
February 3, 2015

Category: Medicare Advantage, Medicare Supplements

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You may have questions about Medicare supplement insurance plans. We have been working with these policies for several years and answer the most common questions below to further your understanding of this insurance. First: A Little About Medicare What And When Is Open Enrollment For Medicare? For most, open enrollment occurs when they turn age 65. For others, [...]
February 3, 2015

Category: Medicare Advantage, Medicare Supplements

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Our independent agency represents several companies, but we are seeing a lot of interest lately in the Transamerica Life Medicare supplement insurance plans. In our view, there are several reasons for this including: cost, ratings, renewals and name recognition. First, a little about the company: Transamerica (that big pyramid building in San Francisco) is a subsidiary of …

September 11, 2014

Category: Medicare Supplements

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If you are looking for Ohio health insurance plans in Columbus, Cleveland or Cincinnati -then you are in the right place. Our Ohio based independent insurance agency offers coverage from several carriers both on and off the federal exchange. In our opinion, it is important to work with an Ohio based insurance agency if that’s …

August 5, 2014

Category: Health Care Reform, Health Insurance

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