Need Life Insurance?

No one wants to take out the wrong type of life insurance policy, or pay too much for the right policy. Knowing that, here are 10 things to consider before finalizing a life insurance purchase.

Hospitalized but ‘under observation’? Seniors, beware

A growing number of seniors who think they’ve been hospitalized are finding that they really weren’t.

The problem isn’t memory loss, confusion or dementia. Instead, seniors on Medicare who did in fact spend multiple nights in the hospital are learning later on that they weren’t formally admitted. Instead, they had “observation status” – a Medicare classification that can cost seniors thousands of extra dollars if they need post-hospital nursing care.

Guard Your Medicare ID Number


Fight health care fraud: Guard your Medicare ID Number!  The next Medicare Open Enrollment season (October 15 to December 7) is almost here, which means fraudsters and identity thieves will increase their efforts to get and abuse Medicare numbers from people like you.

Fortunately, there are many measures you can take to fight health care fraud:


Keep Reading..Guard Your Medicare ID Number

Calculating the Medicare Part D Late Enrollment Penalty

ne of the more common questions agents get asked from their Medicare clients is “what is the Medicare Part D late enrollment penalty?” It is fairly easy to explain that if a Medicare member spends more than 63 consecutive days without having Part D or creditable drug coverage, they will be required to pay a late enrollment penalty should they choose to enroll in a Part D plan in the future. The typical follow-up question is “will I have a late enrollment penalty?” This is also usually pretty easy to answer, assuming the agent asks the proper questions of the client and the client responds with accurate answers about prior coverage.

Choosing The Right Medicare Plan For You

From Original Medicare to Private Insurance Company Plans, you have plenty of options


As you approach 65, you face an important milestone: You will become eligible for Medicare.
Keep in mind, it’s important to understand the ins and outs of Medicare before you sign up. Making the wrong choices can lead to the wrong coverage or it can be expensive.Even if you’ve been on enrolled for years, you may want to review your options annually to make sure you’re getting the right plan. The annual open enrollment period for Medicare Advantage, during runs from October 15 through December 7, which is the time you can change plans.  Part D drug plan or a Medicare Advantage plan can change significantly from year to year, dropping and adding drugs and doctors or changing copays and deductibles. The best time to buy a Medigap policy is during your 6-month Medigap open enrollment period, because you can buy any Medigap policy sold in your state, even if you have health problems. This period automatically starts the month you’re 65 and enrolled in Part B (Medical Insurance). After this enrollment period, you may not be able to buy a Medigap policy. If you’re able to buy one, it may cost more.


Things to know

Keep Reading..Choosing The Right Medicare Plan For You

Medicare Open Enrollment: Are you ready to pick a plan?

Medicare Enrollment FormIt’s picking season—pumpkins, apples, Halloween candy… and a Medicare health or drug plan. Medicare Open Enrollment runs from October 15–December 7!

Picking a plan is an important and personal decision. Each person has a unique set of priorities. When you sit down to review your Medicare health and drug plan choices this year, keep track of the things you may want in a plan, and pick one that’s right for you.

Here are some things to keep in mind while you consider your choices:

Keep Reading..Medicare Open Enrollment: Are you ready to pick a plan?

Consider These Five Suggestions When Shopping For Medicare Part D Plans

As a Medicare beneficiary, you have many decisions to make.  Selecting the right Medicare Part D plan is one of the most important. If you make the right choice, you can save money and headache, while knowing you have access to the medications you need.


Why we needed a Part D benefit
Did you know that $1 of every $6 Medicare dollars goes toward outpatient prescription drug costs?  That’s why it so important to take the time to carefully choose a Medicare Part D plan that covers your medications – with potential crucial savings if you are a evaluate your options.  Also, even though Medicare Part D is not required, not selecting it when you are eligible could lead to a late enrollment penalty later.

When reviewing Medicare Part D, here are five suggestions to consider.

Keep Reading..Consider These Five Suggestions When Shopping For Medicare Part D Plans

Pick A Plan, Then Find The Right Doctor


Picking a health insurance plan is only half the battle. Now you have to pick your primary care physician.
You’ve picked out your health insurance plan, now take the next step and find a doctor.  If you’re enrolled in a Medicare health insurance plan or under 65 health insurance plan then you need to think about finding the doctor who’s right for you.  Don’t worry, we’ll walk you through how to do it:

Keep Reading..Pick A Plan, Then Find The Right Doctor