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The Medicare open enrollment period is a six month window including the three months prior to and the three months following your 65th birthday. It is advantageous for most seniors to consider purchasing a Medicare supplement plan during this 6-7 month period of time. (Many carriers will still let you enroll up to six months …

February 14, 2008

Category: Medicare Supplements

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Upon turning 65, many seniors will enroll in Medicare and purchase a Medicare supplement plan. Between Medicare and supplemental coverage, most seniors will have reliable health insurance. However, there is still one unfilled gap in these two plans. Medicare and supplemental coverage do not provide dental insurance coverage for seniors. We have filled this gap …

January 17, 2008

Category: Dental & Vision Insurance

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Health insurance premiums will rise year over year for most Ohio businesses. In some cases, rate increases will be well above 10%. Fortunately for business owners, the group health insurance market is a competitive industry. There are several insurance companies willing to undercut their competitors in order to enroll new clients. A business entity, depending …

January 10, 2008

Category: Group Health Insurance

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Health Savings Account deductibles have increased for consumers who own or intend to purchase a HSA compatible health insurance policy. A Single or individual policy owner may contribute up to $2,900 this year while a family policy holder can contribute up to $5,800.   Click here to learn more about HSA  plans. The increased contribution …

January 8, 2008

Category: Health Insurance, Health Savings Accounts

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Medicare supplement Plans F, G and N (and sometimes High Deductible Plan F) are usually the most requested plans by our clients. Their popularity can be explained by the fact that these three plans cover most of the coverage gaps left behind by Medicare. Most supplemental insurance carriers offer Plans F & G, but N [...]
January 8, 2008

Category: Medicare Supplements

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It’s that time of year again.  A time whe  you make resolutions to improve your life in the new year.  Maybe you will join a fitness center and get in better shape or vow to eat better and lose those holiday pounds.  However, an integral part of a healthier lifestyle in 2008 should include obtaining comprehensive health …

January 2, 2008

Category: Health Insurance

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Medicare Advantage plans are relatively new products in the insurance marketplace. In a nutshell, they allow consumers to opt out of traditional government provided Medicare coverage, forgo Medicare Supplement coverage and enroll in a Medicare Advantage plan with a private insurance company like Anthem Blue Cross, Aetna, Humana or United Health Care. Advantage plans are …

December 6, 2007

Category: Medicare Supplements

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Employer based health insurance provides coverage for tens of millions of Americans. Unfortunately, many employees will be without coverage if they lose their job, quit, retire or if their company goes out of business. In most cases, an employee can elect COBRA upon losing employment. The Consolidated Omnibus Budget Reconciliation Act will provide 18 months …

November 12, 2007

Category: Health Insurance

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Many families are in search of affordable health insurance that will provide maternity or pregnancy benefits. Health carriers offer such plans, but they vary in the amount of coverage provided. Most insurers provide no benefits for at least three to nine months and at least one insurance company will not cover a pregnancy for 18 …

November 7, 2007

Category: Health Insurance

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Currently there are only a few states allowing insurance companies to offer Medicare Supplements to those under the age of 65. Due to legislative changes, California, Georgia, Florida, Illinois, Missouri, Pennsylvania, Texas, and Tennessee are such states. Just like those reaching age 65, those who qualify for Medicare due to disability will have an open enrollment …

August 22, 2007

Category: Medicare Supplements

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There are several resources available if you are looking to purchase individual or family health insurance plans online. Most of the major carriers offer online health insurance quoting links that independent agents can post on their personal websites. These links will describe all of the plan offerings in great detail and then allow you to …

August 6, 2007

Category: Health Insurance

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One America/Golden Rule recently released this hypothetical case study. It details an innovative way to pay provide funds for long term care expenses while also creating a tax write off under the recently passed Pension Protection Act. While many seniors own deferred annuity contracts, some are unsure what to do with under-performing or mature contracts. …

August 2, 2007

Category: Long Term Care Insurance

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In an attempt to make health insurance and health savings accounts more attractive to consumers and businesses, Congress has revised HSA legislation in 2007. The new laws make HSA’s for individuals, families and businesses more beneficial which may likely increase the popularity of these plans. The intended result may be that more Americans purchase high …

January 22, 2007

Category: Health Insurance, Health Savings Accounts

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The Internet has changed many industries for the better. Consumers want accurate and timely information at the touch of a button. The Internet  is playing a major role in the insurance industry and in the process making more information are real time quotes available with the click of a mouse.  Even better, consumers can enroll …

December 13, 2006

Category: Health Insurance

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The most common question I am asked as an insurance broker is: “Who has the most affordable insurance plans?” My stock answer is: What benefits are you looking for? To which the customer might reply: “I want the best benefits I can purchase at the most affordable price.” We live in a county where consumers want the …

November 30, 2006

Category: Health Insurance, Health Savings Accounts

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