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A lot of our clients ask about a free Silver Sneakers gym membership when shopping for supplemental insurance plans. It can save members a lot of money. Some insurance companies offer this valuable benefit, but many do not. And availability will depend on where you live. We help our clients compare the Medicare insurance policies [...]
March 28, 2017

Category: Medicare Advantage, Medicare Supplements

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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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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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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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The 2013 Medicare open enrollment period is nearly here.  It runs from October 15th through December 7th – plan changes will not be effective until January 2014. In insurance speak, this period of time is also referred to as the Annual Election Period and it is the one time during the year when certain insurance …

September 3, 2013

Category: Medicare Advantage, Medicare Supplements

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Our independent insurance agency offers Aetna Medicare supplement insurance quotes and direct enrollment – at no additional cost. You can compare the lowest rates available on all Aetna Medigap plans. When purchasing a supplemental plan it is important to shop around. We do the shopping for you so that it is easy to compare the …

May 23, 2013

Category: Medicare Advantage, Medicare Supplements

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Our independent insurance agency (Hyers and Associates) has offered Medicare supplement insurance from Standard Life and Accident Insurance Company for years. We offer this coverage direct to our clients – at no additional cost. Our clients appreciate that they can shop for new or replacement coverage with us direct. And we appreciate their loyalty and …

January 9, 2013

Category: Medicare Advantage, Medicare Supplements

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Every year The Centers for Medicare and Medicaid Services (CMS) make changes to the Medicare program.  CMS has posted the numbers for 2013 and there are no alarming changes, but it is important to know what out of pocket expenses to expect going forward. Deductible and coinsurance amounts will increase January 1 and that will …

November 29, 2012

Category: Medicare Advantage, Medicare Supplements

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If you are in the workforce beyond age 65 and covered by your employer’s group health insurance coverage, it is important to be aware of your Medicare insurance options.  There are a few common penalties (both monetary and temporal) that you might face should you miss your enrollment deadlines. Penalties and Medicare enrollment delays can easily be …

September 12, 2012

Category: Medicare Advantage, Medicare Supplements, Retirement Planning

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The 2012 Medicare Annual Election Period begins on October 15th and ends on December 7th.  Medicare beneficiaries who wish to make changes to their 2013 insurance coverage will need to do so during this open enrollment period. To be clear, this period of time should be referred to as AEP (which is short for the …

August 22, 2012

Category: Medicare Advantage, Medicare Supplements

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What are Medicare Select insurance policies? They are traditional Medicare supplement policies (like Plans F, C and N for instance) that require the use of a preferred network of doctors and hospitals for routine care. Medicare Select Plans are sometimes popular as they are less expensive than traditional non-network driven supplemental plans. They are appropriate for …

January 24, 2012

Category: Medicare Advantage, Medicare Supplements

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