1. The Most Important Six Months of Medicare

    The Most Important Six Months of Medicare Failure to understand the six-month rule could place your health care in jeopardy.  What is this most important six-month rule? If you do not enroll in a Medicare Supplement when you first go on Medicare Part B or within the first six months of your Medicare Part B effective date- you may never be eligible for a Medicare Supplement. You have six months fr…Read More

  2. The Part D Doughnut Hole Explained

    The Part D Doughnut Hole Explained When one turns age 65 they are presented with the confusion that is Medicare.  Many questions arise such as how to apply for benefits, when to apply for benefits, what Medicare  (Part A, Part B) should I choose and what about prescription drug benefits.  Over the years working with our senior clients we have discovered the most confusing aspect of Medicare is …Read More

  3. The Fear of Medicare Eliminated

    The Fear of Medicare Eliminated The fear of working with Medicare is much greater than the reality of working with Medicare.  Understanding how Medicare pays your claims and how providers are reimbursed will help eliminate any concern one may have. When you see a provider, you will give the provider your Medicare Card as well as your Medicare Supplement Card.  If the provider accepts Medicare As…Read More

  4. Turning Age 65 – 3 Options

    Turning Age 65 - 3 Options When you turn age 65 you have a decision to make which will impact your financial well-being perhaps for the rest of your life.  This decision deals with how you will address your future medical cost with Medicare.  You basically have two options. Option 1 Enroll in Medicare Parts A & B + Part D Part A covers hospitalization.  In most cases, there is no cost for P…Read More

  5. Medicare Or My Group Plan – What Should I Do?

    Medicare Or My Group Plan – What Should I Do? The average American becomes eligible for Medicare coverage at age 65. But if you're still working and your employer provides healthcare, do you really need to enroll in Medicare? What about Medicare's prescription drug benefit? Medicare Part A, which most people should enroll in regardless of being employed, is free for most. It covers institutional…Read More

  6. The One Paragraph for Medigap Policies You Need to Read

    The One Paragraph for Medigap Policies You Need to Read If you were to ask me what is one of the most important paragraphs, if not the most important paragraph in The Medicare & You Guidebook I would have to say it is found on page 81 of the Medicare & You 2017 guidebook. It is important because it protects and reassures the purchaser of Medicare supplements. “Every Medigap policy must f…Read More

  7. The Most Important Two Things to Know about Medicare

    The Most Important Two Things to Know about Medicare Recently I had a conversation with a potential client regarding the frustration of understanding the world of Medicare and the Medicare enrollment process. My client asked a very simple question – “How can I know I am doing the right thing? How can I know I am getting the best value for my Medicare Supplement?” My response is to know two t…Read More

  8. The 2016 Election Medicare & You

    The 2016 Election, Medicare & You The votes are in.  Donald Trump is president of the United States.  The questions to be asked: “how will the election impact Medicare?” Medicare is considered by many to be one of the most needed and cherished government benefits.  Any time the “wind blows in a new direction” one is naturally curios about how a government program might be impacted.…Read More

  9. The Buzz about Supplement Plan N

    The Buzz about Supplement Plan N Insurance companies first began to offer in June of 2010 Medicare Supplement Plan N.  Take a  closer look at the benefits of Plan N and you might find yourself with a very cost beneficial Medicare Supplement.  Plan N offers identical benefits to the more popular Plan F but the policyholder will have to pay in some areas of Plan N that  they did not have to pay …Read More

  10. Supplement F vs Supplement G Differences

    Supplement F vs Supplement G –What are the Differences?

    A Medicare Supplement plan is private insurance that helps pay for the out-of-pocket expenses covered but not paid by Medicare. An expense may be covered but it also may be subject to deductibles and coinsurance amounts you are obligated to pay. Depending on which Medicare Supplement you choose these deductibles and coinsurance amounts will be paid by the Supplement... For the consumers protection…Read More