Your Health Insurance, no matter what type you have, is unlike any other type of insurance. PPO, HMO, Medicare, private or group health, the likelihood of you having a claim, is very high. So, is it really even insurance? There are three basic types of insurance....
A common concern when someone moves is, what about my health insurance? Is it still good? What do I have to do? The answer depends on your type of insurance. Medicare If you have Medicare, you will need to notify Social Security of your new address. We recommend...
We are often asked for primary care doctor recommendation. The four main reasons you might be looking for a new doctor are, new to the area, want to or have changed your health insurance, have put off healthcare and have not had a doctor in years or, are unhappy with...
When it is summer time, many of us plan to leave the desert for a while. Whether you are heading out of state or out of the country, one thing you need to pack along with you is your health insurance. Traveling within the USA: If you are enrolled in traditional...
Annual Enrollment Period is just a few weeks away. For most of us, the endless TV ads, direct mail flyers, and other advertising is just overwhelming. So why do you have to review your health coverage every year? For many of you, the answer is, you really do NOT have...
Your health insurance personal account or app. Whichever health insurance plan you have, that insurer has a consumer facing account website. by signing up for access, you can often see claims records, coverage limits, premium payment records, and explanations of...
Not long ago, when people first enrolled in Medicare at age 65, they usually chose to have a Medicare Supplement F plan. The F plan provided complete coverage, with no out of pocket costs. But the F plan is no longer available to those new to Medicare as of January 1,...
Unless you have a Guaranteed Issue or Special Enrollment, a Medicare Supplement plan is subject to health underwriting. What this means in plain terms is, the insurer is going to decide whether they think you are a good risk. Here is what is normally involved. Health...
Even though we highly encourage you enroll in a Medicare Part D plan for prescription drug coverage, that plan may not always provide the best pricing. Let’s take a look at how prescription drug pricing works. Medication Tier. Each medication falls under a...
Last week we discussed whether you should keep group insurance after Age 65. This week, Mistake #3: Not planning for or appealing IRMAA, the Income related medicare adjustment amount. Most of you know that Medicare collects a premium of $148.50 per month. This amount...
