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If you’re currently on Medicare, you are probably keenly aware of everything that it covers. From surgery to physical therapy, this government entitlement benefit provides health insurance for Americans 65 and older who have worked into the system and are now retired. But although Medicare is relatively comprehensive, it doesn’t cover everything — which is …

October 11, 2017

Category: Medicare Supplements

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If you’re considering taking out an insurance policy, it’s important to understand the components that go into it. And review the options that you have, starting with one of the most crucial concepts – the annuity. Are fixed annuities a good investment for you to make? Consider how they work to make an educated decision. …

September 28, 2017

Category: Annuities

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For many younger people, the thought of buying life insurance is probably about as far from your mind as it can be. You’re young, and life insurance is something only old people have to think about, right? Unfortunately, nothing could be further from the truth. While you seem to have a long, happy life ahead …

September 20, 2017

Category: Life Insurance

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When you’re shopping around for an insurance policy, one thing is probably on your mind: price. Most people are looking for the cheapest option possible. But choosing an insurance agent is more than just a cost-conscious decision. This choice can impact your life for years to come. Make it wisely, by reviewing all possible options. …

September 2, 2017

Category: Health Insurance

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If you're nearing age 65 (or retiring and losing group insurance) you may need help with Medicare planning. It's always best to get started early so that you fully understand all of your options. Choices you make now will affect your options in the future. We help our clients through this progression. There is a [...]
July 12, 2017

Category: Medicare Supplements, Retirement Planning

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If you own a Health Savings Account and you're approaching Medicare eligibility, you likely want to know what you can and can't do with your unused funds. The good news is you can keep your HSA once on Medicare. This is helpful for those who have accumulated significant assets in their accounts. Furthermore, there are [...]
May 2, 2017

Category: Medicare Supplements, Retirement Planning

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A lot of our clients ask about a free Silver Sneakers gym membership 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 Medicare insurance policies [...]
March 28, 2017

Category: Medicare Advantage, Medicare Supplements

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We see quite a few mistakes people make with their Medicare insurance plans. Many of these are avoidable by knowing the most important rules, regulations and timelines while having a good team around you. If you're researching your options as you near Medicare eligibility, you know there is a lot of information to sort through. [...]
February 4, 2017

Category: Medicare Supplements

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If you are shopping for (or own) a fixed index annuity, you likely have your eyes on a few different indices. Fortunately, 2016 was a good year  for most markets and many annuity accounts showed positive returns. Posted below, we have summed up the returns of the major indexes (like the Dow, S&P 500, NASDAQ, [...]
January 4, 2017

Category: Annuities

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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 2017 changes are small and incremental.  We will discuss them below and how they will affect your out of pocket exposure. (It's important to note that when the officials at CMS (Centers [...]
November 15, 2016

Category: Medicare Advantage, Medicare Supplements

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The Medicare Open Enrollment window for 2017 has begun.  This window to make changes to your coverage runs from October 15th through December 7th.  All Medicare Advantage and Prescription Drug Part D plan changes made will take affect January 1, 2017. Should you miss the Annual Election Period (AEP) window, it may be difficult to [...]
October 26, 2016

Category: Medicare Advantage, Medicare Supplements

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We get the question from our clients all the time, "Do Medicare supplement insurance plans have networks?" A rare few do, but most don't. If you are asking this question, then it's important to better understand how these insurance policies work. In this post we will discuss in detail what you can expect from Medicare [...]
September 26, 2016

Category: Medicare Supplements

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If you're on Medicare and in need of a rx plan, you've likely run across the SilverScript Part D prescription drug insurance plan. It's very competitively priced in most states and offers reasonable copays on many common drugs. We help our Medicare clients enroll directly in the SilverScript Choice plan when it's a suitable option. (We also offer [...]
March 16, 2016

Category: General Insurance, Medicare Advantage, Medicare Supplements

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Reviewing and understanding your supplemental insurance options can be overwhelming when you are new to Medicare. There are several options to choose from and it’s hard to know which plans with which provider will be most suitable for the long haul. In the following article, we provide tips and advice to help you navigate this somewhat …

February 4, 2016

Category: Medicare Advantage, Medicare Supplements

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That’s right, Plan F Medicare supplement will no longer be for sale as of January 1, 2020. As part of the Medicare Access and CHIP Re-authorization Act of 2016, supplemental plans that cover the Part B deductible can no longer be purchased after that time. The legislation also phases out Plan C and it’s our understanding that it will …

January 8, 2016

Category: Medicare Supplements

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