Steps To Take When Open Enrollment for Medicare Begins
Blog
Medicare open enrollment is currently underway from Oct. 15 to Dec. 7 of this year. This means that if you want to change your coverage or add a supplemental insurance plan, this is the time to do it. All new insurance policies take effect on Jan. 1, 2018. But, before they do, you have some […]
November 12, 2017
Category: Medicare Advantage, Medicare Supplements
Quick Comparison Guide to the Best Annuity Options
Blog
No matter how old you are, thinking about retirement is essential. Not only is employment changing — with more people being self-employed, it’s less likely that you’ll have a cushy pension to fall back on after you retire — but the very existence of retirement benefits like Social Security may not be as stable as […]
October 26, 2017
Category: Annuities
Understanding the Potential Long-Term Care Cost for Seniors
Blog
If you’re getting older, you’ve probably thought about what kind of insurance you’ll need to cover health issues and medical expenses, from medications to specific procedures. But in some cases, for chronic conditions, disabilities or illnesses, long-term care will be necessary — whether this means staying in a nursing home, hiring a live-in caretaker or […]
October 25, 2017
Category: Long Term Care
Why to Get Affordable Medicare Supplement Insurance Plans
Blog
If you’re currently on Medicare, you are probably keenly aware of everything that it covers. From surgery to physical therapy, this government entitlement benefit provides health insurance for Americans 65 and older who have worked into the system and are now retired. But although Medicare is relatively comprehensive, it doesn’t cover everything — which is […]
October 11, 2017
Category: Medicare Supplements
Are Fixed Annuities a Good Investment For Me to Make?
Blog
If you’re considering taking out an insurance policy, it’s important to understand the components that go into it. And review the options that you have, starting with one of the most crucial concepts – the annuity. Are fixed annuities a good investment for you to make? Consider how they work to make an educated decision. […]
September 28, 2017
Category: Annuities
Why Should I Buy Life Insurance – The Advantages of Youth
Blog
For many younger people, the thought of buying life insurance is probably about as far from your mind as it can be. You’re young, and life insurance is something only old people have to think about, right? Unfortunately, nothing could be further from the truth. While you seem to have a long, happy life ahead […]
September 20, 2017
Category: Life Insurance
7 Considerations When Choosing Ohio Insurance Agents
Blog
When you’re shopping around for an insurance policy, one thing is probably on your mind: price. Most people are looking for the cheapest option possible. But choosing an insurance agent is more than just a cost-conscious decision. This choice can impact your life for years to come. Make it wisely, by reviewing all possible options. […]
September 2, 2017
Category: Health Insurance
Medicare Planning Step By Step
Blog
If you're nearing age 65 (or retiring and losing group insurance) you may need help with Medicare planning. It's always best to get started early so that you fully understand all of your options. Choices you make now will affect your options in the future. We help our clients through this progression. There is a [...]
July 12, 2017
Category: Medicare Supplements, Retirement Planning
Medicare & Health Savings Accounts
Blog
If you own a Health Savings Account and you're approaching Medicare eligibility, you likely want to know what you can and can't do with your unused funds. The good news is you can keep your HSA once on Medicare. This is helpful for those who have accumulated significant assets in their accounts. Furthermore, there are [...]
May 2, 2017
Category: Medicare Supplements, Retirement Planning
Top 5 Medicare Insurance Mistakes
Blog
We see quite a few mistakes people make with their Medicare insurance plans. Many of these are avoidable by knowing the most important rules, regulations and timelines while having a good team around you. If you're researching your options as you near Medicare eligibility, you know there is a lot of information to sort through. [...]
February 4, 2017
Category: Medicare Supplements
2016 Fixed Index Annuity Performance
Blog
If you are shopping for (or own) a fixed index annuity, you likely have your eyes on a few different indices. Fortunately, 2016 was a good year for most markets and many annuity accounts showed positive returns. Posted below, we have summed up the returns of the major indexes (like the Dow, S&P 500, NASDAQ, [...]
January 4, 2017
Category: Annuities
Do Medicare Supplements Have Networks?
Blog
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 your [...]
September 26, 2016
Category: Medicare Supplements
Tips For Purchasing Medicare Supplement Insurance Plans
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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
Medicare Supplement Discounts
Blog
When shopping for Medicare supplement plans, it’s important to know many providers offer spousal and/or household discounts for married applicants – or those who share a residence. These discounts usually range from 5-12% depending on the insurance company guidelines. There are several providers offering supplemental premium discounts to those who qualify. AARP United Healthcare, Aetna, Anthem Blue […]
January 26, 2016
Category: Articles, Medicare Supplements
Should I Buy An Annuity?
Blog
It depends who you ask. For those selling annuities, the answer is usually yes. For those who only sell competing accounts like stocks, bonds and mutual funds – the answer is almost always no. Most everyone has some skin in the game and they’ll work hard to make the case for their products over others. […]
January 18, 2016
Category: Annuities, Articles, Retirement Planning