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Upon retirement, you may lose the group health insurance coverage offered from your employer.  In some cases, the insurance can be extended for a short period of time, but in most others it may discontinue altogether or become too expensive to maintain. The dividing line for most retirees is age 65.  If you are younger …

June 8, 2011

Category: Medicare Supplements, Retirement Planning

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High Deductible Plan F Medicare supplement insurance can be a policy choice.  It offers low monthly premiums in exchange for higher out-of-pocket expenses. In fact, HD Plan F offers some of the lowest rates of any supplement on the market. Traditional Plan F can be a better choice for those who would rather have no deductible.  …

April 19, 2011

Category: Medicare Supplements

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Seniors eligible for government Medicare are sometimes in search of combination insurance policies that will cover both the gaps in Medicare and final expenses associated with a funeral. Fortunately, there are a few companies that offer both coverages on one application making it easier to insure both needs. Insurance providers such as Mutual of Omaha, Forethought …

April 8, 2011

Category: Life Insurance, Medicare Supplements

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As the baby boomer generation ages into Medicare eligibility, many seniors are faced with the decision of how to best supplement their Part A and Part B Medicare health insurance coverage. Many want to know about their options and which plan(s) will provide the most benefits at the lowest price while also offering access to …

March 28, 2011

Category: Medicare Advantage, Medicare Supplements

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If you are soon to be age 65, you might be wondering how to enroll in Medicare Part A and B with the federal government. Enrollment is done through the Social Security Administration and can be accomplished in three different ways. You do not need to be retired or losing group insurance to enroll, but …

March 17, 2011

Category: Medicare Advantage, Medicare Supplements

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You have several choices to consider when shopping for Medicare supplement insurance coverage. Plan C is popular as it covers almost all of the gaps associated with Original Medicare Parts A and B. It can be a good alternative to Plan F if you desire slightly lower premiums and wish to maintain comprehensive overall coverage. Plan C is …

February 15, 2011

Category: Medicare Supplements

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There are several factors that will determine the cost of a Medicare supplement policy upon purchase. Each insurance company and each state has its own rules and regulations affecting policy prices. That is why it’s usually wise to shop around with an independent agency. Medicare supplement prices are controlled by law, so it  will be no more …

February 7, 2011

Category: Medicare Supplements

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If you are currently enrolled or soon to be enrolled in Medicare, you usually have just two insurance choices to close/minimize the gaps in this government insurance program: Medicare Supplements or Medicare Advantage plans. It’s a good idea to choose one or the other as Original Medicare has several benefit gaps with open ended expenses. …

January 21, 2011

Category: Medicare Advantage, Medicare Supplements

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Forethought Life Insurance Company is offering affordable Medicare supplement coverage in several states across the U.S. Forethought is well known for their diverse annuity and life portfolio, but they also offer supplemental Medicare policies through independent agencies like ours. It is not uncommon to see insurance companies enter the Medicares supplement marketplace after developing a strong …

December 14, 2010

Category: Medicare Supplements

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When shopping for Medicare supplement insurance to help cover the gaps in your Medicare Part A and Part B coverage, it is important to know what your out of pocket expenses will be each year. The Part A and B deductible amounts increase each year as determined by the Centers for Medicare and Medicaid Services. All …

November 12, 2010

Category: Medicare Supplements

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As of October 15th 2010, Anthem Blue Cross Blue Shield of Ohio is offering Medicare supplement coverage on a guaranteed issue basis in certain circumstances – along with their standard underwritten plans. This is good news for those over age 65 who have had trouble switching from costly Medicare supplements because of poor health or …

October 28, 2010

Category: Medicare Supplements

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Parts of the new  health care legislation have already taken affect, but there is quite a bit of confusion over the guaranteed issue status for children under the age of 19 years old. (Editor’s note: Some of the information below is outdated – please contact us to discuss a child-only health insurance application.) As of September …

October 14, 2010

Category: Health Care Reform, Health Insurance

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As part of the implementation of the new health care reform laws, Ohio small businesses providing group health insurance for their employees can write off a portion of their premium payments. The Affordable Care Act allows employers who pay at least half the cost of single health insurance coverage premiums for their employees to claim the credit. Employers …

September 8, 2010

Category: Group Health Insurance

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As part of the health care reform bill passed by Congress and signed into law by President Obama in March, new high risk health insurance pools will be created by several states. The pools are designed to last 40 months and bridge the gap until applicants with preexisting conditions must be underwritten for permanent coverage. …

August 5, 2010

Category: Health Care Reform, Health Insurance

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There are several insurance companies offering Medicare supplement insurance plans across the U.S. – some are more well known than others. For every Anthem Blue Cross/Blue Shield and United Healthcare there are a dozen other companies offering the same benefits and coverage. How are you to know which insurance company is best for you? Understanding Medicare …

July 23, 2010

Category: Medicare Supplements

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