Ancillary Insurance Costs How much should you be spending on ancillary insurance policies? The short answer is, it depends. It depends on a lot of factors. Everything from your weight to your gender matters when determining your health insurance costs, and ancillary products like vision coverage and life insurance vary drastically. Dental, Vision, and Hearing If you have Medicaid or …
Take Advantage Of Your Medicare Do you know how to make the most of your Medicare plan? Do you know all of your benefits? Millions of people who enroll in Medicare pay their monthly premiums but don’t take advantage of their available services. When you have a Medicare plan, you should use doctors in your network and prescription drugs on your …
Medicare Overseas Are you planning a summer trip to Europe? Finally going on an African safari now that you’re retired? We hope you have some great vacation time planned, but we really hope you stay safe while you’re out there enjoying yourself! Medicare won’t cover your overseas care. Do you have the coverage you need in case you get sick …
Home Health Services and Medicare If you’ve been following our blog, you know that Original Medicare encompasses Part A, hospital care, and Part B, doctor care. Thankfully, hospital and doctor care covered under Original Medicare is not limited to in-office care. Most of your home care needs will also be covered by your Original Medicare. Do You Need Home Health …
Medicare Mental Health Coverage Do you worry about mental health coverage? Sometimes it’s hard to believe that mental illnesses are just as real and treatable as purely physical diseases. Depression and anxiety can affect you physically in the same way that an illness can. In fact, depression is an illness. It can cause extreme fatigue and lethargy to the point …
Medicare Fraud, Waste, and Abuse The government loses millions each year due to Medicare fraud, waste, and abuse, causing prices to rise. Medicare fraud, waste, and abuse come from a series of laws designed to protect all parties involved in Medicare and Medicaid. The laws promote healthy relationships between agents, carriers, and clients and prevent the insurance industry from becoming profit-based, instead …
Medicare Savings Programs Are you eligible for one of four Medicare Savings Programs? You could be saving hundreds each month by getting help to pay for premiums, deductibles, copayments, and coinsurance. Medicare Savings Programs, or MSPS, may sometimes be referred to as Medicare Buy-In Programs or Medicare Premium Payment Programs. Enrolling in an MSP means that you will also be …
Special Enrollment Period Qualifications Are you unhappy with your Medicare plan? Do you qualify for a Special Enrollment Period? In most cases, you are not able to change your Medicare plan outside of your IEP (Initial Enrollment Period). Your IEP begins three months before you turn 65, continues throughout your birthday month, and ends three months after your birthday. If you already …
Preparing To Meet A Health Insurance Agent When prompted to meet with a health insurance agent, you probably have quite a few questions. Meeting a health insurance agent is the best way to make sure you’re getting the best coverage at the lowest cost to you. Have the following thoughts crossed your mind? I Don’t Like Door-To-Door Salesmen That’s ok! …
Prescription Drug Plans For Seniors You may have noticed by now that Original Medicare (Parts A and B) does not include prescription drugs. Even though it isn’t included in your initial plan, you will encounter penalty fees if you do not purchase a prescription drug plan during your initial eligibility period (up to three months before and after your 65th …