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Answer These Questions to Help You Make the Best Medicare Coverage Choices

Your Care Do you intend to keep the same doctor? Some doctors take original Medicare but don’t participate in Medicare Advantage Plans. Other doctors do the opposite. Ask your doctor’s office what coverage they accept before you make a decision about switching to a different physician. Do you realize that each Part D prescription plan […]

It’s That Time of Year – September is Life Insurance Awareness Month

No one likes to think about “what if” when it comes to protecting your family. What if something happens to you? What if something happens to your partner or parents? You need to consider how your family would do financially if the “What If” happens. Where would the money come from to pay for your […]

HIPAA: Why is it important to me?

More than 20 years ago the Health Insurance Portability & Accountability Act (HIPAA) became law. Today, as a result of this law, we assume our private health information will always be protected. Before HIPAA When you think of HIPAA it may feel like privacy overkill to you. Yet, before HIPAA was law, more than one-third […]

Seven Key Facts to Know Medicare Supplement Policies 

Are you approach your 65th birthday or thinking about switching from a Medicare Advantage Plan to Medicare Supplement Plan (also known as a Medigap policy)? If so, here are seven things to consider. First, you must have Medicare Part A and Part B. If you have a Medicare Advantage Plan, you can apply for a Medigap […]

Important: Behind-the-scene look at how people get discounts on prescriptions

By sitting between pharmacies and drug manufactures, pharmacy benefit managers can leverage their negotiation power to secure steep discounts for patients — in theory, at least. But those savings rarely reach patients. Learn more about how pharmacy discounts work and who benefits from the savings.

When You’re Not Feeling Well Do You go to the ER, Urgent Care or a Retail Minute Clinic?

You wake up with a horrible headache, fever and dizzy. You feel sick all over.  You think you should see a doctor or a nurse but it’s Sunday and your primary physician doesn’t have office hours today. Who do you call for to get treatment? Do you call 911 for an ambulance to take you […]

When You’re Not Feeling Well Do You go to the ER, Urgent Care or a Retail Minute Clinic?

You wake up with a horrible headache, fever and dizzy. You feel sick all over.  You think you should see a doctor or a nurse but it’s Sunday and your primary physician doesn’t have office hours today. Who do you call for to get treatment? Do you call 911 for an ambulance to take you […]

Life Insurance Facts to Consider

Many of us take life insurance for granted. If your employer offers it to you, it’s probably something that you never stopped to review. If you don’t have it as an employee benefit when was the last time you reviewed your coverage. Consider if these statements apply to you You have life insurance and the […]

It’s Summertime – Make Sure You're Staying Cool!

The weather is finally warming up.  You’ve taken off all of your layers, hats, scarves and gloves.  Now, you and your family are ready to enjoy the warm sun. But, have you thought about what it takes to stay safe from the hot sun during the summer months. Did you know that in 244 people died […]

A Look Into the Medicare Prescription Part D Drug Plan

As the new millennium arrived, so too did the introduction of the Medicare Part D by President Clinton. Also known as the Medicare Prescription Drug Benefit Program, the program provides prescription drug coverage to eligible participants. Up until the implementation of Medicare Part D in 2006, Medicare did not cover the cost of self-administered prescription […]

It’s Disability Awareness Month – Make Sure It’s Part of Your Plan for Facing the Unexpected

May is disability awareness month, a reminder that it’s important to evaluate if disability insurance is part of your income protection plan. Disability insurance provides financial protection at stressful time and is very different from other insurance products. An illness or injury can happen to anyone. Disability insurance pays you a portion of your salary […]

Help Your Doctor Help You

When your doctor asks you how you’re doing, he or she is not just being polite. Your doctor wants to know what’s going on in your life. Going to the doctor isn’t fun, but not communicating with him or her can be a critical mistake.  That’s why it’s important to share what’s going on in […]

Traveler’s Checklist: Protect Your Health While You Travel

  Vacation season is just around the corner and now is the time to make sure that you are ready not just with your travel plans but with your health coverage.  Whether you’re traveling out of the country or staying stateside, you don’t want illness or injury to be part of your trip. Unfortunately, this […]

Great News! April 7 is National No Housework Day

What Are You Going To Do? National No Housework Day is right around the corner on April 7 but before you jump at the chance of neglecting some of your usual homework or maintenance routines think twice! Remember the day you moved into your home or apartment. You promised to keep the place in tip-top […]

It’s Tax Season! Are You Ready?

Filing season for the 2017 tax year is well underway. Many of us are still trying to pull our information together before we even begin the work of preparing and filing our taxes. At least we have a two-day reprieve. This year, the IRS moved the deadline to file returns to April 17 because the […]