HEALTH
With so many plans and coverage options, choosing Health Insurance can be overwhelming. Let us assist you in selecting a plan that’s right for you.
MEDICARE
Medicare can be confusing, even overwhelming. With a host of resources our firm can help you make sense of all the options, plans, and supplements.
LONG TERM CARE
For many families an average stay at a Long Term Care facility would wipe out their wealth, and leave their spouse or family destitute.
DISABILITY
Did you know you are 400% more likely to become disabled than to die? Without insurance this would leave you with income or the ability to work.
Long-Term Care Insurance Basics
Preparing for Long-Term Care 70% of those over the age of 65 will need some form of Long Term Care during their lifetime. This is compared to a 25% chance that you will be in a car accident or have a house fire. The difference is everyone keeps automotive and homeowner’s insurance to be prepared, whereas most people do not prepare for long-term care. There is a common misconception that Medicare will take care of [...]
Medicare Annual Election Period
When Can You Elect New Medicare Benefits? The Medicare Annual Election Period, or AEP, happens each year. It starts on October 15th and ends on December 7th. During this time, you have the chance to change your Part C or Part D coverage. To prepare you for this Annual Election Period we have compiled a list of 5 things every Medicare Beneficiary should know about AEP. 1. The Annual Election Period is Not the [...]
Health Insurance SEP
SEP (Special Enrollment Periods) Typically, you can only purchase health insurance coverage through the Marketplace Exchange during the Open Enrollment Period. This lasts between November 1st and January 31st each year. However, there are some qualifying events that trigger Special Enrollment Periods, or SEPs. If you qualify for a SEP you can enroll in a Marketplace plan even if it is not Open Enrollment. This article will go over several different events that trigger [...]
Open Enrollment Health Plan Basics
Navigating Open Enrollment Health Plans Open enrollment for health insurance begins November 1st! With all the recent healthcare law changes there are more options than ever before. All the choices and new procedures can be overwhelming. This article will break down the different healthcare terminology so that you can be thoroughly educated and get the best plan for the best price. Essential Health Benefits With the newly enacted healthcare laws, there have been changes [...]
Understanding Medicare Part C
Medicare Part C: Breaking Down its Coverage Medicare is made up four different parts. Parts A and B are provided by the government and cover you for your basic hospital and doctor needs. Part D is your prescription drug coverage that you sign up for through a private insurance company. Finally, there is Part C, sometimes referred to as Medicare Advantage. Part C is additional coverage that you can receive through a private insurance [...]
Health Insurance Basics
Understanding the Fundamentals of Health Insurance: Health insurance seems to be ever changing, different employers offer different insurance solutions for their employees, and there are lots of different types of coverages so it can be hard to keep up with all the changes. It is important to have a basic understanding so that when time comes to purchase an insurance policy you know that you are getting a good deal and sufficient coverage. This [...]