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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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Mutual of Omaha has many offerings, but they may be best known for their Medicare supplement insurance plans. Their policies are competitively priced across the U.S. and rate increases with their Medigap coverage has been trending lower the last few years. A.M. Best rates them A+  due to their large base of policy holders, cash …

April 17, 2015

Category: Medicare Supplements

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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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Our independent agency represents several companies, but we are seeing a lot of interest lately in the Transamerica Life Medicare supplement insurance plans. In our view, there are several reasons for this including: cost, ratings, renewals and name recognition. First, a little about the company: Transamerica (that big pyramid building in San Francisco) is a subsidiary of …

September 11, 2014

Category: Medicare Supplements

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When purchasing Medigap insurance, you are weighing benefits versus cost. At some point, the monthly premiums for more comprehensive coverage (like Plan F) may outweigh the extra benefits. In our experience, a Plan N Medicare supplement insurance policy can offer good value when compared to supplements that fill in more gaps. There are several reasons we’ve arrived at …

June 9, 2014

Category: Medicare Supplements

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Many of our clients are curious about what they can expect from the Medicare supplement policies that cover the Foreign Travel Emergency Benefit. There are only 6 Medicare supplements offered today that fill in this gap, but it’s important to understand this benefit has some limitations. Plans C, D, F, G, M & N all cover …

May 27, 2014

Category: Medicare Supplements

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Recently, I was contacted by a prospective client who had been going without a Medicare supplement insurance policy for a few years. She was in good health and did not feel the urgency to purchase a plan that would help fill in the gaps of Medicare Parts A & B. In the insurance industry, it is …

March 18, 2014

Category: Medicare Supplements, Retirement Planning

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Each year the Centers for Medicare & Medicaid Services (CMS) make changes to Original Medicare that affect all Medicare supplement insurance polices – both old and new.  We highlight those changes below. Purchasing a Medicare supplement insurance policy can be a stressful endeavor.  Using our independent insurance brokerage and the information below, you can take …

December 11, 2013

Category: Medicare Supplements, Retirement Planning

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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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If you’re shopping for Medicare supplement insurance, you might be considering Plan N as your policy of choice. With all Medigap coverage, you’re weighing benefits vs. premiums. It’s important to know that the gaps uncovered by Plan N are small. Rarely do they expose the insured to significant expenses. There are three gaps Plan N …

March 18, 2013

Category: 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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