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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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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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