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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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At Hyers and Associates, we work with Medicare prescription Part D drug plans every day. Whether it's Medicare Open Enrollment or your new to Medicare and need a Part D plan to compliment your supplemental insurance, we can help. Our team works with several different insurance companies and we can help you find a Part [...]
October 16, 2019

Category: Medicare Part D

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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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There are several policies designed to close your Medicare gaps and Medical Savings Accounts are gaining traction with consumers. These innovative insurance plans offer a great way to plan and save toward future health care expenses. You must be enrolled in both Medicare Parts A and B to qualify. You must also live in the [...]
September 23, 2019

Category: Medicare Advantage

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Medicare doesn't cover everything so it's wise to enroll in additional coverage. In our second part series, we discuss three reasons why you may want to choose a Medicare Advantage plan over a Supplement. (View Part One Here.) There's not always a right or wrong way to fill in the gaps, but in this post [...]
September 11, 2019

Category: Medicare Advantage

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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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Investors like annuity policies for a lot of reasons, but a new feature is adding even more certainty to these guaranteed products. Some companies are now offering a death benefit rider on their contracts to assure policy growth every year. This optional feature allows your death benefit to grow each year by a guaranteed rate [...]
June 5, 2019

Category: Annuities, Retirement Planning

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We are all working toward a comfortable, financially stable retirement. We want to enjoy more time with our loved ones while immersing ourselves in the activities that bring us peace and joy. The Hyers & Associates team is here to help you achieve your retirement goals. The fact is you need a plan to create [...]
April 23, 2019

Category: Annuities, Retirement Planning

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As an independent agent, I see a lot of misinformation on annuity policies. One of the primary concerns with investors is liquidity. Some critics say annuities offer no liquidity. This is simply not true. There are several way you can withdraw money from your annuity account. Many have several different liquidity options so you can [...]
March 13, 2019

Category: Annuities

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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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The Hyers & Associates team works with annuities of all kinds and can help you understand how they are used in conjunction with your retirement - or as an investment opportunity. Many people search for safe and reliable ways to manage their money while retired, and an annuity is an option you should consider. Understanding [...]
February 14, 2019

Category: Annuities

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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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We get older every day and as we do, we have our eye on retirement. However, along with retirement, there is also a concern over the possibility of getting sick and needing long-term care. To rest assured you’ll be taken care of when that time comes, the team at Hyers & Associates can help you [...]
January 9, 2019

Category: Long Term Care Insurance, Retirement Planning

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