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Annuities are unique investments popular for income, tax-deferral, growth and safety. Most policies have no exposure to market downturns. They are designed to provide certainty. Conservative investors enjoy having a portion of their portfolio safe and protected from losses. While these accounts do come with guarantees, many want to know how they're insured and by [...]
March 19, 2021

Category: Annuities

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If you're on Medicare, you're likely hearing about the Medicare Part B Give Back benefit. This new feature is only offered by a select few Medicare Advantage plans and only in some areas of the country. If you qualify, this unique benefit can reduce your monthly premiums owed to the government each month. How Does [...]
February 24, 2021

Category: Medicare Advantage

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If you're in need of short term health insurance, Anthem Blue Cross & Blue Shield now offers these policies in many areas of the country. Our clients prefer shorter duration health plans for many reasons. Cost, network availability, benefits and flexibility are a few of the main factors. We discuss what you can expect from [...]
February 3, 2021

Category: Anthem Short Term Health Insurance

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If you need a one year fixed annuity, we can help. Hyers and Associates is an independent brokerage specializing in annuities of all types. We'll help you compare the highest rates available. Many of our clients are looking for short-term policies with fair rates of return. You might be surprised to know that many of [...]
January 20, 2021

Category: Annuities

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In the midst of these unprecedented times, there is a lot of concern about money – not just everyday stimulus/disaster relief money, but retirement funds and accounts. Conservative investors what know about their best options for growth and safety. Our clients are concerned about reliability, security and a fair rate of return on their deposits. [...]
January 15, 2021

Category: Annuities, Ohio Annuity

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The Centers for Medicare & Medicaid services has announced the new Medicare cost sharing amounts for 2021. The changes are incremental - and lower in some areas than in 2020. We discuss the numbers below and how they affect your premiums, deductibles, coinsurance and out-of-pocket exposure. These changes affect all insurance plans - both new [...]
November 8, 2020

Category: Medicare Supplements

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It's Open Enrollment, so expect to see endless advertisements about the free extra Medicare benefits you might be missing. Things like prescriptions, dental, vision, hearing aids, meals, gym memberships & transportation. But are the benefits actually free? The answer is complicated. Like most things, there's a trade-off. What these commercials are referring to are the [...]
November 5, 2020

Category: Medicare Advantage

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If you're on Medicare and live in California, you  might be aware of the Birthday Rule. This law allows you to change your Medicare Supplement policy each year to a "like or lesser" plan. You have 60 days to make this change from your birthday, but most insurance companies will accept an application up to [...]
November 3, 2020

Category: Medicare Supplements

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Annuities are unique investment tools that are used for growth - and to provide guaranteed income. They offer predictable returns, tax deferral, and are commonly used to create steady streams of income in retirement. There are different types, however, which carry different levels of risk and reward. Some are more designed for growth and accumulation, [...]
October 7, 2020

Category: Annuities, Ohio Annuity

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Need Part D Insurance? We've Got You Covered!Quote & Enroll Now Request Broker Assistance If you're on Medicare, you may be interested in an Aetna SilverScript Part D prescription drug plan. For 2021, their SmartRx plan offers some of the lowest premiums in the country. This will be a great option for those on a [...]
October 2, 2020

Category: Medicare Part D

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Every year there are changes to provider networks for many Medicare insurance plans. The biggest change for 2021 is Ohio State University will no longer be in network for Medical Mutual Medicare Advantage plans. This does not affect all of their insurance plans, however. It's not uncommon to see large providers move in and out [...]
September 18, 2020

Category: Medicare Advantage

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Annuities are unique investment tools that are sold by insurance companies and provide guaranteed returns and/or income streams as you get older. They are a great way to supplement retirement accounts or life insurance policies while providing a way of deferring taxes in the short or long-term. How do I know the difference between an [...]
September 10, 2020

Category: Annuities

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Let's face it, Medicare insurance can be expensive. Original Medicare Part A is free due to earned work credits, but Part B costs nearly $150 a month for most. And Medicare Parts A & B only cover so much. There are still gaps like deductibles, coinsurance, prescriptions, dental, vision, hearing and so on. So how [...]
August 19, 2020

Category: Medicare Advantage, Medicare Supplements, Retirement Planning

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The 2020 Medicare open enrollment period is fast approaching.  It runs from October 15th through December 7th - plan changes will not be effective until January 2021. Our agents are busy training so we can discuss important new plan benefits, costs and features. In insurance speak, this period of time is also referred to as [...]
August 1, 2020

Category: Medicare Advantage, Medicare Supplements

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Annuities serve many purposes, but you might want one to safely and efficiently transfer assets to your heirs. One popular annuity feature offers an increasing death benefit in order to guarantee growth each year. This rider might be appropriate for someone who does not anticipate needing their funds. Perhaps they have ample liquidity and investments [...]
July 17, 2020

Category: Annuities, Retirement Planning

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