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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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Editors Note: AFLAC Medicare supplements have been taken off the market and are no longer for sale until further notice.  Our independent insurance agency is now offering Medicare supplement insurance from AFLAC direct to seniors.  We provide enrollment for those who are new to Medicare as well as those who would like to lower rates on …

November 13, 2012

Category: Medicare Supplements

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If you are in the workforce beyond age 65 and covered by your employer’s group health insurance coverage, it is important to be aware of your Medicare insurance options.  There are a few common penalties (both monetary and temporal) that you might face should you miss your enrollment deadlines. Penalties and Medicare enrollment delays can easily be …

September 12, 2012

Category: Medicare Advantage, Medicare Supplements, Retirement Planning

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The 2012 Medicare Annual Election Period begins on October 15th and ends on December 7th.  Medicare beneficiaries who wish to make changes to their 2013 insurance coverage will need to do so during this open enrollment period. To be clear, this period of time should be referred to as AEP (which is short for the …

August 22, 2012

Category: Medicare Advantage, Medicare Supplements

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Our independent agency now offers United American Medicare supplement insurance direct to consumer in several states. There are no markups or additional costs to request quotes and/or purchase Medigap policies while using our services. That is one of the primary advantages of working with an insurance agency like ours; you can view the direct rates from several …

July 13, 2012

Category: Medicare Supplements

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Now that the Supreme Court has upheld the Affordable Care Act (otherwise known as Obamacare) there are many questions about the individual mandate as it relates to new taxes and/or penalties for those who have not purchased health insurance. It is important to understand that these new taxes (or penalties) will be phased in over …

July 2, 2012

Category: Health Care Reform, Health Insurance

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We offer Central States Indemnity Medicare supplement insurance direct to consumer. As an independent insurance agency offering Medigap plans, we are always looking for new companies with the lowest rates for our clients. We like Central States Indemnity as they are a highly rated carrier with strong financial backing. As a consumer, it can be difficult …

June 19, 2012

Category: Medicare Supplements

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Vanishing deductible benefits are not for car insurance policies only.  Health insurance providers are also offering policies with a deductible that decreases over time when the chosen limit has not been reached by the insured(s). This is being done in an effort to make older health insurance polices more attractive and to retain healthy customers …

February 14, 2012

Category: Health Insurance, Health Savings Accounts

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What are Medicare Select insurance policies? They are traditional Medicare supplement policies (like Plans F, C and N for instance) that require the use of a preferred network of doctors and hospitals for routine care. Medicare Select Plans are sometimes popular as they are less expensive than traditional non-network driven supplemental plans. They are appropriate for …

January 24, 2012

Category: Medicare Advantage, Medicare Supplements

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It’s almost a new year which means changes to the Medicare Part A and B deductible amounts for 2012 are here.  The Part A deductible is increasing by a nominal amount, but the Part B deductible is decreasing. You read that correctly, the Part B deductible is going down which means that some Medicare supplement insurance plans …

November 22, 2011

Category: Medicare Supplements, Retirement Planning

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