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When you’re new to Medicare, there are decisions to make. Most of our clients compare traditional supplements (Plans, F, G, N, etc.) to Advantage plans, but inevitably the questions arises, ‘What is a Medicare Advantage (MA) plan?’ Through the years, we have found there’s a lot confusion about Advantage plans. They are different from supplements – and …

March 19, 2015

Category: Medicare Advantage

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Welcome to Part II of our two-part series regarding the most frequently asked questions our agency encounters about Medicare Supplement insurance policies. In this installment, we discuss the nuances of these plans including: rates, underwriting, making changes and the agent's role. Click Here To Read Part I Med Supp FAQs  → Learning About Medicare Supplement Rates & [...]
February 3, 2015

Category: Medicare Advantage, Medicare Supplements

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You may have questions about Medicare supplement insurance plans. We have been working with these policies for several years and answer the most common questions below to further your understanding of this insurance. First: A Little About Medicare What And When Is Open Enrollment For Medicare? For most, open enrollment occurs when they turn age 65. For others, [...]
February 3, 2015

Category: Medicare Advantage, Medicare Supplements

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Our independent agency represents several companies, but we are seeing a lot of interest lately in the Transamerica Life Medicare supplement insurance plans. In our view, there are several reasons for this including: cost, ratings, renewals and name recognition. First, a little about the company: Transamerica (that big pyramid building in San Francisco) is a subsidiary of …

September 11, 2014

Category: Medicare Supplements

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If you are looking for Ohio health insurance plans in Columbus, Cleveland or Cincinnati -then you are in the right place. Our Ohio based independent insurance agency offers coverage from several carriers both on and off the federal exchange. In our opinion, it is important to work with an Ohio based insurance agency if that’s …

August 5, 2014

Category: Health Care Reform, Health Insurance

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Through our independent agency, you can compare hybrid long term care insurance quotes and illustrations from One America State Life Insurance Company. They offer both single and joint annuity and life plans to fit most situations. We offer their hybrid annuity and life plans direct to consumer. Using our expertise and guidance, we can help …

July 31, 2014

Category: Long Term Care Insurance, Retirement Planning

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If you are researching hybrid long term care policies, then you may want to consider the Lincoln MoneyGuard life insurance product. In this post, we will discuss how this policy works and provide examples of the benefits it will provide now and in the future. Addressing Long Term Care Using Hybrid Insurance Plans Asset based …

June 26, 2014

Category: Long Term Care Insurance, Retirement Planning

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When purchasing Medigap insurance, you are weighing benefits versus cost. At some point, the monthly premiums for more comprehensive coverage (like Plan F) may outweigh the extra benefits. In our experience, a Plan N Medicare supplement insurance policy can offer good value when compared to supplements that fill in additional gaps. There are several reasons we’ve arrived at …

June 9, 2014

Category: Medicare Supplements

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Many of our clients are curious about what they can expect from the Medicare supplement policies that cover the Foreign Travel Emergency Benefit. There are only 6 Medicare supplements offered today that fill in this gap, but it’s important to understand this benefit has some limitations. Plans C, D, F, G, M & N all cover …

May 27, 2014

Category: Medicare Supplements

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For the purposes of this article, let's say you Medicare eligible and wish to purchase a traditional Medicare supplement plan - as oppose to enrolling in a Medicare Advantage plan. Let's further suppose that you want one of the more comprehensive supplements like Plan G, D, F, C or N. As a broker, I find [...]
May 23, 2014

Category: Medicare Supplements

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Health insurance open enrollment under Obamacare has different rules. Unless it’s Open Enrollment, you may not be able to purchase health insurance without a qualifying event. Special election periods will be available outside of open enrollment for those who meet certain criteria. If none of the life events listed below apply, then applicants will need …

April 2, 2014

Category: Health Care Reform, Health Insurance

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Recently, I was contacted by a prospective client who had been going without a Medicare supplement insurance policy for a few years. She was in good health and did not feel the urgency to purchase a plan that would help fill in the gaps of Medicare Parts A & B. In the insurance industry, it is …

March 18, 2014

Category: Medicare Supplements, Retirement Planning

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Second to die life insurance is precisely that – a policy insuring two lives that only pays out once the second insured has passed away. This coverage is typically used for estate planning and wealth transfer preparation. Permanent insurance policies like whole and universal life are the most common types used in second to die plans. There are …

February 9, 2014

Category: Life Insurance

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Each year the Centers for Medicare & Medicaid Services (CMS) make changes to Original Medicare that affect all Medicare supplement insurance polices – both old and new.  We highlight those changes below. Purchasing a Medicare supplement insurance policy can be a stressful endeavor.  Using our independent insurance brokerage and the information below, you can take …

December 11, 2013

Category: Medicare Supplements, Retirement Planning

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Our insurance agency has received several inquiries about the upcoming Obamacare penalty amounts for those who do not purchase health insurance.  It is important to understand how these penalties will be enforced and ways to avoid them. The penalties will vary for singles and for families and can, for some, end up being a portion of their …

October 9, 2013

Category: Health Care Reform, Health Insurance, Uncategorized

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