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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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The 2011 Medicare open enrollment window is almost upon us. Otherwise known as the Annual Election Period or AEP for short, this period of time can be used by Medicare beneficiaries to switch insurance plans. The dates are a little different this year as the window starts and ends early. AEP will run from October 15, …

September 16, 2011

Category: Medicare Advantage, Medicare Supplements

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Rising group health insurance rates are one of the most significant expenses facing businesses and groups of all sizes.  Premiums can increase year over year by 10% or more as insurance carriers struggle with rising medical costs and new benefit  requirements. Companies and groups who wish to offer low deductible, high benefit plans are experiencing …

September 12, 2011

Category: Group Health Insurance

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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 you approach Medicare eligibility, you’ll be faced with the decision of how to best supplement your government provided Part A and Part B Medicare insurance coverage. You want to know which options and which plan(s) provide the most benefits at the lowest price. There are Medicare supplements and Medicare Advantage plans to choose from, …

March 28, 2011

Category: Medicare Advantage, Medicare Supplements

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