Life insurance and accidental death and dismemberment insurance are often confused with on another. Learn how each serve an important role in your financial well-being.
The benefits of enrolling in a dental insurance plan include no-cost preventative services, negotiated pricing, and help paying for many dental procedures.
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 […]
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 […]
Are you approach your 65th birthday or thinking about switching from a Medicare Advantage Plan to Medicare Supplement Plan (also known as a Medigap policy)? If so, here are seven things to consider. First, you must have Medicare Part A and Part B. If you have a Medicare Advantage Plan, you can apply for a Medigap […]
You wake up with a horrible headache, fever and dizzy. You feel sick all over. You think you should see a doctor or a nurse but it’s Sunday and your primary physician doesn’t have office hours today. Who do you call for to get treatment? Do you call 911 for an ambulance to take you […]