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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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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 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

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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 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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