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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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Medicare currently has approximately 45 million Americans enrolled, with that number climbing by the day. This is a government-backed health insurance program that helps those 65 and older afford health care. However, it does not cover all of your expenses. You'll want to supplement your coverage. Unless you have group or retirement coverage, this means [...]
July 7, 2020

Category: Medicare Advantage, Medicare Supplements

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When researching Medigap policies, you may want more information on Medicare Supplement Plans K & L. These two unique options are less popular than traditional policies like G & N, but they do offer value. They might be right for some, but not all consumers. It's important to understand what you can expect from these [...]
June 26, 2020

Category: Medicare Supplements

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United Healthcare offers affordable short term health insurance rates across the country. Individual and family policies are offered through their subsidiaries Golden Rule and Pacificare. Group coverage is offered through United Healthcare and collectively they are all now known as United HealthOne.  UHC is well known for their large network of doctors & hospitals as [...]
June 23, 2020

Category: Health Insurance, Illinois Insurance, Missouri Insurance Products

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Cigna offers three dental insurance plans to choose from. One is geared toward preventive care and the other two are more comprehensive with larger yearly maximums. All three are PPO policies that allow you to use any of their 93,000 network providers. Additionally, those who previously had 12 months of consecutive coverage can avoid waiting [...]
June 22, 2020

Category: Dental & Vision Insurance

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If you are looking for affordable health care options, short-term health insurance may be right for you. At Hyers and Associates, we educate our clients about all of their options. Here is what you need to know about this type of insurance. Short Term Health Insurance Has Changed Major changes have occurred regarding the availability [...]
June 16, 2020

Category: Health Insurance

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You may want to know how your business entity works with an annuity account. In most cases corporations, partnerships, trusts, and other entities can own an annuity much like an individual would. That's the good news, but there are some subtle differences to how these accounts operate on a tax and operational basis. You'll want [...]
June 8, 2020

Category: Annuities, Retirement Planning

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Now that you are ready to retire, it means more free time - and sometimes, less income. And with a reduced income, there are thoughts of ways to save money. After all, you also want more discretionary income to enjoy your free time. Is ending your life insurance policy - or never investing in one [...]
May 20, 2020

Category: Life Insurance

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If you are approaching your Medicare eligibility, you should be aware of the Medicare Income-Related Monthly Adjustment Amount - IRMAA for short. It applies to higher income earners and results in increased Part B and Part D premiums. These increases might affect your decision to stay on your employer policy. If that's not an option, [...]
May 14, 2020

Category: Medicare Advantage, Medicare Part D, Medicare Supplements, Retirement Planning

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A commonly misunderstood and/or overlooked annuity feature is the Market Value Adjustment. This provision will influence the value of your account during its term. It can have a noticeable effect on the account should you surrender your annuity early. And in some cases, it can help you exit an underperforming annuity with gains that wouldn't [...]
April 27, 2020

Category: Annuities

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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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