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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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With the various health insurance options available today, it’s easy to see why people are confused. Basic options include group health, individual health plans and short term coverage. Get the facts about all of your options so you make an educated choice about your health insurance coverage. What is Group Health Insurance? Companies purchase group …

January 23, 2020

Category: Group Health Insurance, 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 2020 changes are incremental, but larger than what we saw for 2019.  We will discuss them below and how they will affect your out of pocket exposure. (It's important to note that [...]
November 10, 2019

Category: Medicare Advantage, Medicare Supplements

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At Hyers and Associates, we work with Medicare prescription Part D drug plans every day. Whether it's Medicare Open Enrollment or your new to Medicare and need a Part D plan to compliment your supplemental insurance, we can help. Our team works with several different insurance companies and we can help you find a Part [...]
October 16, 2019

Category: Medicare Part D

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Medicare Open Enrollment for 2020 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 effect January 1, 2020. Should you miss the Annual Election Period (AEP) open enrollment window, it may not be possible to make changes [...]
October 12, 2019

Category: Medicare Advantage, Medicare Supplements

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There are several policies designed to close your Medicare gaps and Medical Savings Accounts are gaining traction with consumers. These innovative insurance plans offer a great way to plan and save toward future health care expenses. You must be enrolled in both Medicare Parts A and B to qualify. You must also live in the [...]
September 23, 2019

Category: Medicare Advantage

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