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Five Health “Hacks” For Happy Holidays

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.

Do You Know What These Key Insurance Terms Mean?

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 […]

Dates and deadlines for 2019 Individual Health Insurance Coverage

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

  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 […]

It’s Medicare Open Enrollment Period – Let Us Help You Get Ready

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 […]

Answer These Questions to Help You Make the Best Medicare Coverage Choices

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 […]

2019 Annual Enrollment Period Changes and Opportunities

2019 Annual Enrollment Period has some distinct changes with respect to the Medicare Advantage Dis enrollment Period. In 2018, this MAPD period runs from January 1 st to only February 14th.

Labor Day

Labor Day: What it Means

Labor Day, the first Monday in September, is a creation of the labor movement and is dedicated to the social and economic achievements of American workers. It constitutes a yearly national tribute to

It’s That Time of Year – September is Life Insurance Awareness Month

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 […]

HIPAA: Why is it important to me?

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 […]

HIPAA: Why is it important to me?

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 […]

Seven Key Facts to Know Medicare Supplement Policies 

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 […]

Bye-Bye Donut Hole!

Ever since Medicare Part D rolled out in 2006, beneficiaries with high drug expenses have dreaded the donut hole. While we have certainly been grateful to even have drug coverage (since people on Medicare prior to 2006 did not), we still dread that part of the year when our medications become more expensive because we have hit the gap.

When You’re Not Feeling Well Do You go to the ER, Urgent Care or a Retail Minute Clinic?

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 […]

Life Insurance Facts to Consider

Many of us take life insurance for granted. If your employer offers it to you, it’s probably something that you never stopped to review. If you don’t have it as an employee benefit when was the last time you reviewed your coverage. Consider if these statements apply to you You have life insurance and the […]