1. 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

  2. Make the best decision for Medicare Open Enrollment 2016

    Make the best decision for Medicare Open Enrollment 2016 Medicare Open Enrollment for 2016 begins October 15 and ends December 7.  If you are on a Medicare Advantage Plan or have a Part D Prescription Plan these are important dates you need to know. Listed below is some information which will empower you to make the best  decisions regarding your options. What exactly is Open Enrollment? If you …Read More

  3. Original Medicare Covers What?

    Original Medicare Covers What? Medicare covers medical services and supplies considered medically necessary to treat a disease or condition.   Listed below is an overview of what Original Medicare (Part A and Part B) coves. What is Medicare Part A Hospital Care Your cost $1, 288 deductible for each benefit period Days 1-60: 0% coinsurance for each benefit period Days 61-90: $322 coinsurance per …Read More

  4. The Four Steps

    The Four Steps When one approaches  age 65 they are bombarded with email, mail and telephone calls regarding Medicare. We suggest to our clients they follow the four steps below to keep them on track as they explore Medicare options.  We have found this simple 4 step process helps to eliminate some of the confusion and retain one’s sanity. Step 1 Enroll in Medicare Go to www.medicare.gov to si…Read More

  5. Spend your Medicare Dollars Wisely

    Spend your Medicare Dollars Wisely When I have someone call and tell me they are about to reach age 65 the first thing I say is , congratulations you made it!  Just as one is to be congratulated on turning age 65 I also encourage them to seek to spend their dollars wisely when it comes to Medicare.  The first step to spending wisely is to understand your potential expense. Quite naturally a foll…Read More

  6. Medicare Suppliments vs Medicare Advantage image

    Timing is Everything

    Timing is Everything To make sure you take advantage of all that Medicare has to offer and you do not pay any financial penalties you must know the Medicare deadlines.  Thus. “Timing is everything”. Listed below are time frames you need to know to make you sure you understand. Six Months before Turning 65 The time before you turn 65 is a time to begin to prep for the decisions you need to mak…Read More

  7. Confused About Medicare Part D

    Confused About Medicare Part D?

    To obtain Medicare Part D coverage you must be entitled to Medicare Part A, and or enrolled in Medicare Part B.  Part D is basically coverage provide for prescription. However, this coverage is quite different from what might consider a traditional prescription drug plan. Benefits are reimbursed according to the prescription formulary, deductibles and copayments. Many vendors compete in the space…Read More