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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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Our independent insurance agency offers Aetna Medicare insurance policies direct – at no additional cost. You can compare the lowest rates available on all Aetna plans in your state. This includes Medicare Supplements, Advantage plans, Part D Drug coverage, as well as dental, vision and hearing insurance. When purchasing supplemental insurance, it’s important to shop …

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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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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