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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 2020 changes are incremental, but larger than what we saw for 2019.  We will discuss them below and how they will affect your out of pocket exposure. (It's important to note that [...]
November 10, 2019

Category: Medicare Advantage, Medicare Supplements

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Medicare Open Enrollment for 2020 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 effect January 1, 2020. Should you miss the Annual Election Period (AEP) open enrollment window, it may not be possible to make changes [...]
October 12, 2019

Category: Medicare Advantage, Medicare Supplements

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When you're Medicare eligible, you're likely deciding how to best supplement your coverage. Should you choose a Medicare Supplement or a Medicare Advantage plan? A good argument can be made for both, but for the purposes of this article we'll explain why many of our clients choose a traditional Medicare supplement plan. Also referred to [...]
August 7, 2019

Category: Medicare Advantage, Medicare Supplements

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Insurance companies are now offering a new Medigap policy and it’s High Deductible Plan G. This new Medicare supplement will be available for sale starting January 1, 2020. As part of the recently passed MACRA legislation, all plans that cover the Part B deductible will be discontinued for those who are newly eligible for Medicare …

July 12, 2019

Category: Medicare Supplements

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At our independent agency, Medicare supplement Plans F, G and N are the most requested plans by our clients. Their popularity can be explained by the fact that these three plans cover the most important gaps left behind by Medicare. But there are some key differences. Almost all carriers offer all three plans, but there [...]
March 7, 2019

Category: Medicare Supplements

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If you are nearing (or already) eligible for Medicare, you are probably wondering “should I buy Medicare F or G. You should consider Medicare Supplement Plan G as your choice for supplemental insurance. It's one of the most comprehensive plans available, but it also offers good value when compared to other Medigap plans like F [...]
January 31, 2019

Category: Medicare Supplements

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Many of our clients ask about the free Silver Sneakers gym membership and how to qualify 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 [...]
January 11, 2019

Category: Medicare Advantage, Medicare Supplements

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Today we are going to look at the differences between the most commonly used Medicare Supplemental Insurance Plans F, G and N. There is a lot of confusion about Medicare Supplemental Insurance F, G and N options, also called Medigap Insurance. The Hyers and Associates team members work with these plans every day. Some policies …

December 19, 2018

Category: Medicare Supplements, Uncategorized

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 If you are applying for Medicare, you’ll have premiums that need to be paid. There are several different payment options to consider. However, the these options vary depending on what type of Medicare premium you’re covering. The team at Hyers & Associates is available to help you sort through any questions you might have regarding …

November 6, 2018

Category: Medicare Advantage, Medicare Part D, Medicare Supplements

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Here at Hyers and Associates, we are offering a guaranteed issue Medicare supplement insurance policy for our Ohio clients in 2019. So long as you have an existing supplemental policy, you can apply for this one with no medical underwriting. This is a limited time offer, so contact us today. There is only one insurance …

October 21, 2018

Category: Medicare Supplements

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If you are not sure whether you need to enroll in Medicare every year when the enrollment period is opened, the team at Hyers & Associates is here to help. We’ve detailed information below, however, we also welcome your call anytime. In most cases, you do not need to enroll in Medicare each year. You …

October 18, 2018

Category: Medicare Advantage, Medicare Supplements

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A, B, C & D. Sounds pretty basic, doesn’t it? Well, when it comes to Medicare parts A, B, C, & D it’s not always as obvious as you might expect. Each letter covers an entirely different part of your healthcare, so let’s break it down and take a look at what each letter covers, how …

October 13, 2018

Category: Medicare Advantage, Medicare Part D, Medicare Supplements

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It’s that time of the year again. The holidays will be here soon, and with that time period also comes your annual open enrollment period for Medicare. So many decisions, so little time. Let’s take a quick look at this opportunity and why you should take advantage of it. Here are 5 Tips For Medicare …

September 26, 2018

Category: Medicare Supplements

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Medicare isn’t always that simple, but with a little guidance you can make educated decisions from the beginning. Making good choices is the key to avoiding lifetime monetary penalties, enrollment delays and unnecessary medical underwriting. You can feel confident in your Medicare future by learning a few important items now. Posted below are five critical …

August 5, 2018

Category: Medicare Advantage, Medicare Part D, Medicare Supplements

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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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