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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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Under current rules and regulations, you buy health insurance either on the the Federal (or in some states local) exchange or off.  Here in Ohio, we are on the Federal exchange. Understanding your options will help you know whether you qualify for subsides, Medicaid and what your penalty might be. We help our clients sort …

September 26, 2013

Category: Health Care Reform, Health Insurance

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The 2013 Medicare open enrollment period is nearly here.  It runs from October 15th through December 7th – plan changes will not be effective until January 2014. In insurance speak, this period of time is also referred to as the Annual Election Period and it is the one time during the year when certain insurance …

September 3, 2013

Category: Medicare Advantage, Medicare Supplements

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Our independent insurance agency offers Aetna Medicare supplement insurance quotes and direct enrollment – at no additional cost. You can compare the lowest rates available on all Aetna Medigap plans. When purchasing a supplemental plan it is important to shop around. We do the shopping for you so that it is easy to compare the …

May 23, 2013

Category: Medicare Advantage, Medicare Supplements

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One goal of the Affordable Care Act was to offer small group health insurance plans (typically 20 employees or less) on the upcoming health insurance exchanges.  This difficult task has proved unobtainable and has been pushed back to 2015 at the earliest. While it appears that most of the state and federal exchanges will be up and …

May 20, 2013

Category: Group Health Insurance

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Like all insurance plans, it is important to understand the gaps in any policy you might choose. The gaps in Plan N are reasonable for most and usually do not expose the insured to significant yearly expenses. There are three gaps with Plan N (when compared to Plan F that fills all gaps) and we will explain …

March 18, 2013

Category: Medicare Supplements

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Our independent insurance agency (Hyers and Associates) has offered Medicare supplement insurance from Standard Life and Accident Insurance Company for years. We offer this coverage direct to our clients – at no additional cost. Our clients appreciate that they can shop for new or replacement coverage with us direct. And we appreciate their loyalty and …

January 9, 2013

Category: Medicare Advantage, Medicare Supplements

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Every year The Centers for Medicare and Medicaid Services (CMS) make changes to the Medicare program.  CMS has posted the numbers for 2013 and there are no alarming changes, but it is important to know what out of pocket expenses to expect going forward. Deductible and coinsurance amounts will increase January 1 and that will …

November 29, 2012

Category: Medicare Advantage, Medicare Supplements

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