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New state and federal laws allow Ohio residents to keep children insured on a parent’s health insurance policy past age 23. Federal law only requires that coverage is offered to age 26, but state law allows for dependents to be insured up to age 28. Those who are insured through an employer based group health insurance plan and …

June 23, 2010

Category: Health Care Reform, Health Insurance

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AARP and United Healthcare Insurance Company joined together to offer Medicare supplement insurance to seniors nationwide. This partnership was formed to offer additional products for current and future AARP members. Medicare eligible consumers can purchase Medigap coverage as well as prescription Part D drug insurance plans through these combined organizations and a licensed insurance agent. You must be …

June 21, 2010

Category: Medicare Supplements

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You might purchase a health insurance policy that can be coupled with a health savings account simply to obtain lower monthly premiums. In exchange for covering more of the incidental expenses out of pocket with a HSA qualified plan, you can keep your individual or family health insurance more affordable. Perhaps of more importance are …

June 17, 2010

Category: Health Insurance, Health Savings Accounts

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Medicare supplement Plan G was updated in 2010 and should now be considered by most beneficiaries as a smart purchase when supplementing original Medicare Parts A and B. After Plan F, Plan G is one of the most comprehensive plans available. It is an affordable choice if you are willing to cover the small, one-time Part B deductible in …

June 14, 2010

Category: Medicare Supplements

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Plan F Medicare supplement insurance policies are the most comprehensive supplemental plans available for purchase today. They cover all gaps in Medicare and have no out-of-pocket costs to the insured for Medicare approved expenses. With Plan F, there are no deductibles, coinsurance or copays to meet. So long as your expenses are Medicare approved, Plan F …

April 30, 2010

Category: Medicare Supplements

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Medicare supplement premiums are usually locked in during the first year of the policy. After 12 months and on your policy anniversary, you may find that the insurance company has increased your monthly rates substantially from the base rate. Many carriers are enacting price increases of ten percent or more year over year and some are raising prices …

April 23, 2010

Category: Medicare Supplements

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Medicare supplement insurance Plans M and N will be available for purchase with effective dates of June 1, 2010 and beyond.  These two new plans offer attractive coverage for those willing to exchange lower monthly premiums for higher out of pocket expenses. Both M and N are cost sharing plans. The insured will be responsible for additional …

April 8, 2010

Category: Medicare Supplements

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One of the first components of the health care bill to take effect is the requirement that insurance companies provide coverage for children under age 19 who have preexisting conditions. The change is slated to take place in September of 2010 and is designed to prevent children from being excluded from their parent’s policy or a …

March 31, 2010

Category: Health Care Reform

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If you are interested in non-med term life insurance without the hassle of medical underwriting, a physical, blood-work and/or delays – there are policies available for you. Many companies now offer non-med term policies; also known as simplified issue term life insurance. These policies are appropriate for those who might be in less than perfect …

March 30, 2010

Category: Life Insurance

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Manhattan Life Insurance Company offer many types of policies, but may be best known for affordable Medicare supplement insurance coverage. Plans offered include A, B, C, D, F, G and N. They have recently lowered Plan G & N rates becoming one of the most competitive providers in many states. In most states, policies are issued on …

March 23, 2010

Category: Medicare Supplements

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You may wish to exchange your old annuity or life insurance policy for a new one for any number of reasons. Section 1035 of the I.R.S tax code allows you to do so while deferring any taxable gains in your old policy. The accumulated gains in your old policy can be transferred to a new insurance …

March 2, 2010

Category: Annuities

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The recent passing and implementation of the Medicare Modernization Act created permanent changes to the Medicare supplement plans insurance companies can offer after June 1, 2010.  All plans are still in effect for 2012. Plans A, B, C, D, F, G, K and L offer nearly the same benefits as before with Plan F now …

February 18, 2010

Category: Medicare Supplements

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As debate heats up about the rising cost of individual and family health insurance around the country, many carriers are looking at ways to reduce premiums for existing and future insureds. Anthem Blue Cross Blue Shield recently introduced new coverage options with new benefit designs in order to keep prices affordable. Our agency is proud …

February 11, 2010

Category: Health Insurance

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Ohio is one of the few states that  accesses a state inheritance tax on its residents at passing.   This tax is in addition to any Federal estate taxes that might be due and is enforced once an estate reaches countable assets of $338,333. It is not uncommon for estates to owe tens of thousands …

January 29, 2010

Category: Life Insurance, Retirement Planning

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Whether you manage a small or large number of employees, it can be a painstaking and time consuming process to obtain group health insurance quotes in Ohio. If you have a new business or are shopping for better rates on your existing plan, correctly filling out applications with several companies can be a tedious process …

January 25, 2010

Category: Group Health Insurance

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