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Annual Enrollment Period

Annual Enrollment Period

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 Safety Net

Your Safety Net

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,...

What is Health Underwriting?

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...

Getting the Best Drug Pricing

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...

Avoid Common Medicare Mistakes

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...

Avoid Common Medicare Mistakes

Medicare has been our national health insurance plan for those over age 65, since 1964. Compared to individual health insurance or even group coverage, it is excellent coverage. But you must take an active role in managing your coverage. In the next few weeks, we will...

New To Medicare Discount

Right now, one of our most popular Medicare Supplement plans is offering $25 off your monthly premium for the first year. If you are turning 65 this year or, leaving group coverage and just now enrolling in Medicare, your G plan could be as low as $104 per month, when...

California Birthday Rule

One of the most helpful tools for us to help you with your existing Medicare Supplement is the California Birthday Rule. Simply put, this allows us to change your current Medicare Supplement policy to another Medicare Supplement without any health underwriting. Health...

When Group Coverage Ends

The current economy has led many to consider retirement a little sooner than they had planned. If you are already over age 65, your retirement is going to include some complicated health insurance options. When you turned age 65, you were enrolled in Medicare Part A....