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Every year, 4 million Americans turn 65, and many of them are looking forward to retirement. But not many of these retirees planned for their Medicare costs. Planning for Medicare costs in retirement starts early, so you feel confident about health care expenses after retiring. The cost of health care becomes increasingly costly as we …

March 21, 2018

Category: Medicare Advantage, Medicare Part D, Medicare Supplements

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If you're on Medicare or nearing eligibility, you know this insurance does not cover all of your out of pocket expenses. You can shore-up some gaps with a Medicare Supplement or Advantage plan, but they may not be enough either. This is especially true if you're on a Medicare Advantage policy. These policies have much [...]
March 13, 2018

Category: Medicare Advantage, Medicare Supplements

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For many Americans, Medicare is their primary insurance coverage provider. Nearly 58.4 people received Medicare benefits in 2017. Most of these people are retired, and some are disabled. And when they need health care services, they just pull out their familiar Medicare card. Now the face of Medicare is changing. And soon a new Medicare …

March 6, 2018

Category: Medicare Supplements

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This year marks an increase in the cost of medical care. As such, it is wise to understand what you are paying for when you have Medicare. More importantly, there is a need to know why getting supplemental coverage is a necessity when you consider the costs of Medicare and what will be covered. Government …

March 1, 2018

Category: Medicare Supplements

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Understanding the world of health insurance can definitely become challenging. If you feel overwhelmed by the policies offered to you and the coverage you need, you are not alone. Medicare and supplemental insurance policies are filled with jargon and fine print that make many of our heads spin. We would like to help clear up …

January 18, 2018

Category: Medicare Supplements

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Navigating the Medicare insurance game proves tricky and complex. With so many options and varying deadlines for each policy, confusion often sets in and overwhelms the average applicant. And with changing regulations, you need quality medical coverage more than ever. What are your options when you miss the Medicare supplemental insurance deadline? Medigap helps. This …

December 18, 2017

Category: 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 2018 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 17, 2017

Category: Medicare Advantage, Medicare Supplements

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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

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The Medicare Open Enrollment window for January 2018 effective dates has begun.  This window runs from October 15th through December 7th.  All changes to your Medicare Advantage and/or Prescription Drug Part D coverage will take affect January 1, 2018. Should you miss the Annual Election Period (AEP) open enrollment window, it may be difficult or [...]
October 26, 2017

Category: Medicare Advantage, Medicare Supplements

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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

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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

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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

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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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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

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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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