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The purpose of health insurance is to make sure that you are covered in case of an emergency, if your health suddenly worsens or if you need to deal with a chronic condition that you would otherwise never be able to afford to treat. However, no matter how diligently we plan out our insurance coverage …

December 1, 2017

Category: Health Insurance

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With Medicare Open Enrollment now underway until December 7, you may be starting to reconsider your coverage and decide whether you want to switch to a different policy. Or maybe you’re a first-time enrollee and are looking for some more information on which plan you should sign up for and what benefits are worth considering. …

November 26, 2017

Category: Medicare Part D

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Group health insurance is mandated for every company that has over 50 full-time employees. This mandate helps each person working for that company be insured under current health care law. These group insurance plans, which can be purchased from different carriers in Ohio, can be fully-funded, self-funded, limited benefit or minimum essential coverage. All of …

November 18, 2017

Category: Group 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 2018 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 17, 2017

Category: Medicare Advantage, Medicare Supplements

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Medicare open enrollment is currently underway from Oct. 15 to Dec. 7 of this year. This means that if you want to change your coverage or add a supplemental insurance plan, this is the time to do it. All new insurance policies take effect on Jan. 1, 2018. But, before they do, you have some …

November 12, 2017

Category: Medicare Advantage, Medicare Supplements

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No matter how old you are, thinking about retirement is essential. Not only is employment changing — with more people being self-employed, it’s less likely that you’ll have a cushy pension to fall back on after you retire — but the very existence of retirement benefits like Social Security may not be as stable as …

October 26, 2017

Category: Annuities

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The Medicare Open Enrollment window for January 2018 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 affect January 1, 2018. Should you miss the Annual Election Period (AEP) open enrollment window, it may be difficult or [...]
October 26, 2017

Category: Medicare Advantage, Medicare Supplements

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If you’re getting older, you’ve probably thought about what kind of insurance you’ll need to cover health issues and medical expenses, from medications to specific procedures. But in some cases, for chronic conditions, disabilities or illnesses, long-term care will be necessary — whether this means staying in a nursing home, hiring a live-in caretaker or …

October 25, 2017

Category: Long Term Care

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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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