Buying Medicare health insurance, life insurance or any other insurance can be complicated. There are so many details and decisions to make. That’s why it helps to have an expert on your side. That expert, is me, your insurance agent. My role is to help you through the insurance buying process. I know there are […]
This winter has been brutal for most of us. Between the polar vortex, snow in Hawaii (yes that happened) and extreme rainfall, we’re all ready for a bit of sun and warmth. However, right now, most of us want to do nothing more than get home at the end of a work day and hibernate. […]
Did you know that there is a quick way to check if your medical item or service covered by Medicare Part A and/or Part B. Medicare’s new free “What’s covered” app delivers cost and coverage information right on your smartphone. Now you can quickly see whether Medicare covers your service in the doctor’s office, the […]
Did you know that there are many ways to save on your health care costs? Here are a few suggestions to help manage your healthcare costs. Stay Within Your Network Out of network providers can charge more and their services usually require a higher deductible and higher annual limit on your out-of-pocket expenses. If you […]
It’s one of those things that is easy to overlook – taking the time to review your insurance coverage. Why is this so important? Well, let’s start with the knowledge that you work hard and want to protect your income. That’s why it’s so important to review your family’s insurance needs annually to make sure […]
Here we are again in the midst of the holiday hustle and bustle. During this very busy season, we want to stop to take a few minutes to wish you a happy holiday and wonderful New Year. At this time of the year, we believe it’s important to reach out with a very BIG thank […]
A controversial business decision by UnitedHealthcare, the nation’s largest health insurance carrier, is causing the disruption. As of Jan. 1, the company is dropping SilverSneakers — an optional benefit — for 1.2 million customers with Medicare Advantage plans in 11 states (California, Connecticut, Illinois, Indiana, Iowa, Kansas, Missouri, Nebraska, Nevada, North Carolina and Utah) as well as 1.3 million customers with Medicare supplemental (Medigap) insurance in nine states (Arizona, California, Connecticut, Illinois, Indiana, North Carolina, Ohio, Utah and Wisconsin).
Thanksgiving is behind us. We survived the stampede on “Black Friday” and “Cyber Monday”. A few of us even already have holiday decorations up. We’re not quite at the holiday “half way” mark. To help you make it across the finish line (into 2019!) happy, healthy, and well rested, we’ve collected these five simple health “hacks” that will help you make it through the holidays.
Let’s review a few key insurance terms to make sure you understand what they mean. And, give us a call, if you have any questions about your coverage. Medicare Part A: Government insurance that covers hospital, rehab, part-time or intermittent skilled nursing care and hospice costs. Part B: Government insurance that covers, doctor visits, ambulance […]
The 2019 Open Enrollment Period runs from Thursday, November 1, 2018, to Saturday, December 15, 2018. This is true for all states that do not have their own health exchange, such as California. Remember, if you don’t act by December 15, you can’t get 2019 health care coverage unless you qualify for a Special Enrollment […]
It’s Medicare Open Enrollment and now is the time to review your coverage for 2019. Think about what has changed in the last year and what your needs will be in the coming year. This will help you find a Medicare plan that suits your needs. Here are five questions to help you determine […]
Now that it’s Medicare’s Annual Election Period (AEP) you can switch your Part D or Medicare Advantage plan. Also known as open enrollment, it happens every year from October 15 to December 7, for a plan taking effect January 1. During Medicare Open Enrollment 2018 you cannot do the following: Join Part B, unless you […]
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 […]
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 […]
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 […]