Closing the Medicare Part D Donut Hole

Medicare Part D Donut Hole

What is the Medicare Part D Donut Hole? In March 2010, Congress passed The Affordable Care Act (ACA), sometimes called ObamaCare.  This comprehensive health-care plan provided many improvement to Medicare including the closing of the Medicare Part D coverage gap by the year 2020. The Coverage Gap, often referred to … Keep Reading..

What can I do if my Medicare Advantage plan leaves?

What can I do if my Medicare Advantage plan leaves?

What do I do if my Medicare Advantage plan Terminates my Coverage?

At the beginning of each calendar year, Medicare Advantage (MA) plans can make changes to their benefits, premiums, copayments and geographic service areas. They must notify their members every fall of the changes they intend to make the following year. They can add or drop benefits, change premiums and copayments, and begin or discontinue serving a certain county or region. MA plans must get permission from the Centers for Medicare and Medicaid Services (CMS)before making any changes, and notify their members by early October of changes effective January 1 of the following year.

Sometimes at the end of the year, Medicare Advantage Plans can decide to leave the Medicare Program, pull their plans from the area and leave Medicare Eligibles in need of a new plan.  If you have gotten a letter stating your plan is leaving the Medicare Program, the letter you receive will explain your options.

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How to Afford Quality Dental Care

How to Afford Quality Dental Care

You have a dental problem that needs attention, but you’re not sure how to pay for your trip to the dentist. Take a deep breath – it’s okay. There are several ways you can afford quality dental care without putting yourself in a financial tailspin.

This guide will help you understand the options you’ll have when budgeting for a dental procedure. We’ll cover expected costs for common procedures. We’ll look at what to do if you don’t have insurance. And we’ll go over the basics of dental financing, dental credit cards, HSAs/FSAs, dental savings plans and dental insurance.

Because every situation is different, we recommend working closely with your dentist and insurance provider (if applicable) to make a plan that fits your needs and budget. But a general understanding of what’s out there will help you ask the right questions.

Let’s get started.

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How Do You Change Medicare Advantage Plans?

How Do You Change Medicare Advantage Plans

How Do You Change Medicare Advantage Plans?  There is the Annual Election Period allows Medicare Member to make changes to their coverage every year.  This allows them to make the changes that fit their needs in the year to come or to improve their coverage completely.  It pays to review your coverage every year and evaluate whether it’s right for you based upon:

  • Coverage
  • Convenience
  • Cost

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Medicare Scope of Appointment Form, Why Do I Need to Sign that

The Medicare Scope of Appointment is a form which Medicare beneficiaries must complete to designate, prior to their appointment with an agent, exactly which items they wish to discuss.   other words, this form is how you tell your agent which things he or she can present to you.

The form serves to protect you from unwanted solicitation.  The background of the form is kind of interesting.

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Seniors beware: New con targets Social Security checks

New con targets Social Security checks

 Government officials are warning about a rash of cons targeting Social Security beneficiaries.

Posing as agents for the government’s cornerstone retirement program, the latest con tries to trick seniors into “verifying” private information — including Social Security numbers, birth dates, and parents’ names — purportedly to provide the senior with a cost-of-living increase in their benefits.

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Preparing for Medicare Annual Enrollment Period

Preparing for Medicare Annual Enrollment Period

Preparing for Medicare Annual Enrollment Period Is Like Prepping a Meal

Remember the last standout meal you prepared?  Researching each course, finding all the ingredients, ensuring the produce is fresh, and finally considering guests’ diet sound familiar?   Getting ready for the 2018 Medicare Annual Enrollment Period (AEP) with a similar mindset can help you – and your family – have the 2018 coverage you need.  With a little preparation, you’ll know whether you need to adjust your Medicare plan selections.

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Medicare a short history lesson

Medicare, a short history lesson

Starting Monday, September 11, 2017, we here at Healthy Colorado Insurance will start our 52 weeks of Medicare Facts.  Each Monday at 9am we will post on all of our social media accounts a Medicare Fact of the Day using the hashtag #MedicareMonday.  We encourage you to share your thoughts … Keep Reading..

What Happens When You Don’t Renew A Plan?

What Happens When You Don’t Renew A Plan

Whether you deal with a chronic condition and you have significant medical expenses or you simply want to ensure that your future needs are met at the lowest possible cost, you need the peace of mind that Medicare provides. But what happens if you forget to renew your plan?

Find out how to choose a Medicare plan that meets your needs and learn what you need to know about Medicare renewal.

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