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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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Editors Note: AFLAC Medicare supplements have been taken off the market and are no longer for sale until further notice.  Our independent insurance agency is now offering Medicare supplement insurance from AFLAC direct to seniors.  We provide enrollment for those who are new to Medicare as well as those who would like to lower rates on …

November 13, 2012

Category: 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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Our independent agency now offers United American Medicare supplement insurance direct to consumer in several states. There are no markups or additional costs to request quotes and/or purchase Medigap policies while using our services. That is one of the primary advantages of working with an insurance agency like ours; you can view the direct rates from several …

July 13, 2012

Category: Medicare Supplements

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We offer Central States Indemnity Medicare supplement insurance direct to consumer. As an independent insurance agency offering Medigap plans, we are always looking for new companies with the lowest rates for our clients. We like Central States Indemnity as they are a highly rated carrier with strong financial backing. As a consumer, it can be difficult …

June 19, 2012

Category: 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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It’s almost a new year which means changes to the Medicare Part A and B deductible amounts for 2012 are here.  The Part A deductible is increasing by a nominal amount, but the Part B deductible is decreasing. You read that correctly, the Part B deductible is going down which means that some Medicare supplement insurance plans …

November 22, 2011

Category: Medicare Supplements, Retirement Planning

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The 2011 Medicare open enrollment window is almost upon us. Otherwise known as the Annual Election Period or AEP for short, this period of time can be used by Medicare beneficiaries to switch insurance plans. The dates are a little different this year as the window starts and ends early. AEP will run from October 15, …

September 16, 2011

Category: Medicare Advantage, Medicare Supplements

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Upon retirement, you may lose the group health insurance coverage offered from your employer.  In some cases, the insurance can be extended for a short period of time, but in most others it may discontinue altogether or become too expensive to maintain. The dividing line for most retirees is age 65.  If you are younger …

June 8, 2011

Category: Medicare Supplements, Retirement Planning

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High Deductible Plan F Medicare supplement insurance can be a policy choice.  It offers low monthly premiums in exchange for higher out-of-pocket expenses. In fact, HD Plan F offers some of the lowest rates of any supplement on the market. Traditional Plan F can be a better choice for those who would rather have no deductible.  …

April 19, 2011

Category: Medicare Supplements

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Seniors eligible for government Medicare are sometimes in search of combination insurance policies that will cover both the gaps in Medicare and final expenses associated with a funeral. Fortunately, there are a few companies that offer both coverages on one application making it easier to insure both needs. Insurance providers such as Mutual of Omaha, Forethought …

April 8, 2011

Category: Life Insurance, Medicare Supplements

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As you approach Medicare eligibility, you’ll be faced with the decision of how to best supplement your government provided Part A and Part B Medicare insurance coverage. You want to know which options and which plan(s) provide the most benefits at the lowest price. There are Medicare supplements and Medicare Advantage plans to choose from, …

March 28, 2011

Category: Medicare Advantage, Medicare Supplements

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If you are soon to be age 65, you might be wondering how to enroll in Medicare Part A and B with the federal government. Enrollment is done through the Social Security Administration and can be accomplished in three different ways. You do not need to be retired or losing group insurance to enroll, but …

March 17, 2011

Category: Medicare Advantage, Medicare Supplements

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