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As of the writing of this post, there are a lot of disruptions in the economy due to the Coronavirus. Many consumers are losing jobs and some are having disruptions in their health insurance coverage. If you're losing your health insurance, you'll want to know your options. We list the most common strategies below for [...]
April 3, 2020

Category: Health Insurance, Medicare Supplements

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As we all adjust to lifestyle changes due to the coronavirus, our brokerage is getting questions about what to expect from health insurance policies. We aim to answer those questions below. This information applies to those on individual and group plans as well as Medicare recipients. We'll also discuss ancillary policies that are designed to [...]
March 20, 2020

Category: Health Insurance

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We offer AARP United Healthcare Medicare supplement insurance to our clients nationwide. These two companies have partnered together to offer members additional services and benefits. It is required that you (or someone in your household) be an AARP member in order to enroll in a United Healthcare Medicare Supplement. We can help you understand how …

March 15, 2020

Category: Medicare Supplements

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Our brokers at Hyers and Associates specialize in health insurance and can help you sort through what’s best when it comes to traditional long term care policies. If we only knew what was in our future, decisions would be so much easier. You don’t want to spend money on something you don’t need. And you [...]
March 2, 2020

Category: Long Term Care Insurance, Retirement Planning

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With the various health insurance options available today, it’s easy to see why people are confused. Basic options include group health, individual health plans and short term coverage. Get the facts about all of your options so you make an educated choice about your health insurance coverage. What is Group Health Insurance? Companies purchase group …

January 23, 2020

Category: Group Health Insurance, Health Insurance

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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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