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So far Sarah Amengual has created 58 blog entries.

How to Enroll in Medicare: Parts A, B, C, & D

By |2021-10-14T08:05:17-07:00October 14th, 2021|Categories: Blog|

Timing your enrollment in Medicare is crucial but can be confusing. Some enrollment may be automatic and some may require effort on your part.  Additionally, there are different enrollment periods associated with different parts of Medicare.  If you miss your enrollment period you may be subject to a late penalty.     When to Enroll in Medicare [...]

Healthcare Ministry vs. Health Insurance

By |2021-10-14T06:04:06-07:00September 22nd, 2021|Categories: Blog|

If you’re looking into health insurance options, you may be experiencing some sticker shock.  Perhaps you’re thinking about a healthcare ministry instead.     Insurance vs. Healthcare Ministry Healthcare ministries are NOT health insurance.  As a result, you may not have any type of legal recourse should you experience difficulties with your plan.  Although, we have [...]

CSNP & Medicare: Chronic Special Needs Plans

By |2021-09-22T06:42:31-07:00July 6th, 2021|Categories: Blog|

If you have a chronic medical condition and are eligible for Medicare, you may be eligible for a special type of Medicare Advantage Plan known as a CSNP (Chronic Special Needs Plans).  This is one of a few types of special needs plans available.     What are Chronic Special Needs Plans?  (CSNP) CNSPs are a type [...]

Common Health Insurance Scams!

By |2021-09-22T06:48:43-07:00July 6th, 2021|Categories: Blog|

If you’re looking to enroll in health insurance, especially around open enrollment, you need to be aware of some of the most common health insurance scams!  Scamming is a billion dollar industry and you don’t want to be their latest customer!   How to Spot and AVOID a Scam No one should be calling you unsolicited [...]

Prescription Drug Plans: Medicare Part C & Part D

By |2021-09-22T06:49:43-07:00July 5th, 2021|Categories: Blog|

Original Medicare really doesn’t cover prescription drugs.   It’s currently estimated somewhere around 90% of senior citizens take prescription drugs. Additionally, well over 50% take more than four prescription drugs. So, if you’re in the majority, you may want to look into a separate Prescription Drug Plan.  With Medicare, you have two main options: Medicare Part [...]

Medicare Advantage: Pros, Cons & Plans

By |2021-09-22T06:50:44-07:00July 5th, 2021|Categories: Blog|

Medicare Advantage is also known as Medicare Part C. Part C Plans replace Original Medicare entirely.  All Part C plans must offer at least the same benefits as Original Medicare.  Like Medigap Plans, Medicare Advantage Plans seek to limit your out pocket expenses.  But it’s very important you don’t confuse the two as they are entirely [...]

Medicare Supplement Plans: What is Medigap?

By |2021-09-22T06:52:09-07:00June 25th, 2021|Categories: Blog|

Medicare Supplement Plans are sometimes referred to as Medigap Plans.  They are a voluntary form of secondary insurance which cover the gaps of Original Medicare.  There are 10 basic plans available: A, B, C, D, F, G, K, L, M , & N  These plans are standardized.  So, regardless of which carrier (insurance company) you choose, [...]

Deep Dive Into Original Medicare: Part A & Part B

By |2021-09-22T06:54:04-07:00June 25th, 2021|Categories: Blog|

Original Medicare is part of a program signed into law in 1965.  It was designed as a way to offer low cost health insurance to senior citizens who have retired.  At the time and to a lesser extent today, a large percentage of Americans received their health insurance through their employers.  This became commonplace throughout the [...]

Medicare Costs: Original Medicare, Part C & Part D

By |2021-09-22T06:56:11-07:00June 24th, 2021|Categories: Blog|

In order to break down and understand the costs associated with Medicare, you need to understand the costs associated with each part of Medicare.   Medicare Part A Medicare Part A is part of Original Medicare.  You can consider it your hospital insurance.  Generally speaking it helps to cover: Inpatient Care Nursing Home Care Nursing Facility [...]

Parts of Medicare: A, B, C, D & More

By |2021-06-24T07:21:23-07:00June 17th, 2021|Categories: Blog|

In addition to Original Medicare, you have many decisions to make with regards to your Medicare coverage.  Although Original Medicare provides excellent coverage, you may want to supplement that coverage with a Supplement Plan, also known as a Medigap Plan.  Inn addition you may need a Part D plan, which is prescription drug coverage.  You may [...]

Medicare Explained: What is Medicare?

By |2021-06-17T08:30:00-07:00June 15th, 2021|Categories: Blog|

What is Medicare? Medicare is a federally funded health insurance program that was signed into law in 1965.  It was designed to provide low cost, comprehensive health insurance to seniors of retirement age.  Most people pay into it throughout their working lives and are automatically enrolled upon their 65th birthday.   Original Medicare works differently than the [...]

Medicare Part D but NO Prescription Drugs???

By |2021-09-22T06:58:15-07:00June 4th, 2021|Categories: Blog|

Medicare Part D is your prescription drug coverage.  Should you enroll even if you don't take prescription drugs?   To Enroll in Medicare Part D... The crux of the decision is whether to enroll or not.  Let’s discuss both options.   If you’re not taking any prescription drugs, it seems silly to pay a monthly premium for [...]

How to Pick the Best Medicare Part D Plan

By |2021-06-30T05:16:17-07:00May 28th, 2021|Categories: Blog|

Medicare Part D is your prescription drug coverage.  It’s offered by private carriers and there are usually many different plans to choose from.  So, how do you pick the best plan?   Medicare Part D Basics Medicare Part D is one way you can access prescription drug coverage.  The other, of course, is Medicare Advantage.  Remember, [...]

Travel Medical Insurance for International Travel

By |2021-09-22T06:57:26-07:00May 27th, 2021|Categories: Blog|

You’re going on the trip of a lifetime.  Congratulations on your upcoming travel!  Don’t forget to pack your passport, bathing suit and health insurance!   Short Term Travel First let’s talk about short term travel.  This is for your average vacationer, not an expat or nomad looking to backpack across Europe for the better part of [...]

Health Insurance for Travelers & Digital Nomads

By |2021-06-11T09:17:54-07:00May 17th, 2021|Categories: Blog|

If you’re looking to hit the open road, you won’t only need car insurance, you’ll need health insurance.  Specifically, you’ll need a health insurance plan that will work wherever you.    The Basics of Health Insurance If you’re going to be travelling for an extended period of time, chances are you will need medical care at [...]

Direct Primary Care: the Pros & the Cons

By |2021-05-27T08:27:31-07:00May 10th, 2021|Categories: Blog|

Direct primary care is sometimes referred to as concierge health care.  It’s grown in popularity since the mid 2000’s as a response to dissatisfaction with traditional health insurance. Because it’s not traditional health insurance, it’s exceptionally important to understand exactly what you’re getting yourself into before you make the leap.    What is Direct Primary Care? [...]

Moving & Medicare? What Do You Need to Know?

By |2021-05-21T05:26:39-07:00May 7th, 2021|Categories: Blog|

Medicare is a federally funded program designed to provide low cost health insurance to senior citizens.  If you’re enrolled in anything other than Original Medicare, you may have noticed that Medicare.gov asks you for your location when looking for supplemental coverage.  So what happens if you move?    Original Medicare Original Medicare is Medicare Part A [...]

Guaranteed Issue Rights & Medigap Plans

By |2021-05-06T10:12:51-07:00April 27th, 2021|Categories: Blog|

Have you been denied a Medicare Supplement Plan? Did you miss your IEP?  Well, if you have guaranteed issue right, you may be able to still access the best rates!   What is a Medicare Supplement Plan? Original Medicare consists of Medicare Part A and Part B.  Part A is your hospital insurance.  Part B is [...]

TRICARE & Medicare: TRICARE for Life

By |2021-04-23T11:46:37-07:00April 23rd, 2021|Categories: Blog|

TRICARE is a government-sponsored health insurance program for uniformed service members and their families, as well as members and family members of the National Guard and Reserves.  It can interact with Medicare in different ways.  Although it shouldn't be confusing, many people are left with questions as they transition to TRICARE for Life and Medicare.     [...]

Self Employed? What are Your Health Insurance Options?

By |2021-04-13T12:21:47-07:00April 9th, 2021|Categories: Blog|

If you’re self employed you may be wondering what your options are for health insurance.  As an entrepreneur there are several options available at different price points.     Marketplace Plans for Self Employed If you are self employed, one of the first options is marketplace insurance.  Under the affordable care act (sometimes referred to as Obamacare) [...]

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