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With the rise of medical costs, getting sick can be a huge expense. And the problem is if you are unemployed and are currently in school, you have no employer who will shoulder the cost of a medical insurance policy. As a student, you are not immune to the same accidents, illnesses and injuries that …

April 23, 2018

Category: Health Insurance

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Medicare provides us an optional program called Part D. This is a type of insurance that will help the insured pay for prescription drugs. A person who chooses to enroll must pay a monthly premium on top of the regular Part B premium. Read on to learn six facts about Medicare Part D drug plans …

April 5, 2018

Category: Medicare Part D

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Every year, 4 million Americans turn 65, and many of them are looking forward to retirement. But not many of these retirees planned for their Medicare costs. Planning for Medicare costs in retirement starts early, so you feel confident about health care expenses after retiring. The cost of health care becomes increasingly costly as we …

March 21, 2018

Category: Medicare Advantage, Medicare Part D, Medicare Supplements

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Many people do not want to talk about death because they think it is morbid. And many believe that they should not even worry about the expenses because they are already gone. The truth is, if you care about loved ones, you need to plan for them financially no matter what happens to you. Also …

March 18, 2018

Category: Life Insurance

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If you're on Medicare or nearing eligibility, you know this insurance does not cover all of your out of pocket expenses. You can shore-up some gaps with a Medicare Supplement or Advantage plan, but they may not be enough either. This is especially true if you're on a Medicare Advantage policy. These policies have much [...]
March 13, 2018

Category: Medicare Advantage, Medicare Supplements

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For many Americans, Medicare is their primary insurance coverage provider. Nearly 58.4 people received Medicare benefits in 2017. Most of these people are retired, and some are disabled. And when they need health care services, they just pull out their familiar Medicare card. Now the face of Medicare is changing. And soon a new Medicare …

March 6, 2018

Category: Medicare Supplements

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This year marks an increase in the cost of medical care. As such, it is wise to understand what you are paying for when you have Medicare. More importantly, there is a need to know why getting supplemental coverage is a necessity when you consider the costs of Medicare and what will be covered. Government …

March 1, 2018

Category: Medicare Supplements

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None of us want to think about it, but we have to: we are mortal, and someday, we’re going to pass on. It is prudent to start planning now for that inevitable time in the future. If you have a family, then you have people who have to take care of your financial obligations after …

February 26, 2018

Category: Life Insurance

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Short-term health insurance is a kind of medical insurance with coverage that is applicable for a specified period only. Also, it covers fewer illnesses compared to what long-term insurance policies do. However, it has a much lesser monthly premium cost compared to ACA (Obamacare) or any employer-based insurance plans. Short-term health insurance is a kind …

February 22, 2018

Category: Health Insurance

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With the rising costs of insurance premiums, you may be tempted to believe that you can skate for a while without medical insurance. Perhaps you are between policies or between jobs. Why not take a breather from an insurance payment? Just a month or a year saves you dollars. After all, the premiums for both …

February 1, 2018

Category: Health Insurance

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What images do talks of retirement bring to mind? Ones of freedom? Extended vacations in your favorite spots? Time for that long-put-off hobby? Often, thoughts on retirement center around the pleasurable expenses. Long-term health costs and their related less-than-ideal circumstances fail to factor into the conversation. Long-term care insurance falls off the radar. Furthermore, current …

January 29, 2018

Category: Long Term Care Insurance

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As a senior, you may think life insurance is unnecessary. After all, your age and health conditions raise premiums. And, honestly, why now? Life insurance replaces income should you pass away, and you are retired. The mortgage is paid off. And, your kids are holding their own. Is a life insurance policy accessible and necessary …

January 23, 2018

Category: Life Insurance

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Understanding the world of health insurance can definitely become challenging. If you feel overwhelmed by the policies offered to you and the coverage you need, you are not alone. Medicare and supplemental insurance policies are filled with jargon and fine print that make many of our heads spin. We would like to help clear up …

January 18, 2018

Category: Medicare Supplements

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Short vs. long. Medical vs. life. Temporary vs. full. Term vs. whole. Health insurance vs. disability. Home, auto, and travel. The insurance options can become overwhelming. While we cannot clear up all the confusion in one article, let us explain the difference between short-term or term policies and long-term or whole options. Short-term health insurance …

January 2, 2018

Category: Health Insurance

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The New Year rings in with celebration and hope for a brighter year. Promises and resolutions fly like confetti after the infamous Times Square ball drop. But, as the sweeping of the streets commences the next day, so does the usual routine of our lives. And resolutions tend to get lost. What if we told …

December 29, 2017

Category: Life Insurance

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