If you’re getting ready to enroll in Medicare, you may be wondering how or when to enroll, and understandably so! There are many different parts of Medicare and several different options to choose from. Also, if you miss your enrollment period, you may be subject to late penalties! You will most likely be automatically enrolled in [...]
No one likes going to the dentist. Sometimes the bill can be even more unpleasant than the treatment. Is dental insurance even worth it? How do you get the best dental insurance for your needs? We get asked about dental insurance a lot! To many people it seems like options are limited, information is very confusing, [...]
Pregnancy has many highs and lows and many, many doctor’s appointments. Your prenatal care will consist of various doctor’s appointments, several blood tests and screenings, a few ultrasounds and multiple vaccines. Even though prenatal care is guaranteed under the affordable care act, not all plans are created equally. If is very important that you have good [...]
Health insurance costs have skyrocketed in recent years! Many individuals choose to forego insurance due to the cost. But not having health insurance can end up costing you big in the end. So, how do you save money on health insurance and make it more affordable? First and foremost, you must do your research! Know [...]
If you are currently self employed or unemployed, you may be interested in pursuing a plan through the Marketplace. You can find excellent coverage, but it can be overwhelming. With so many options available, it’s imperative that you understand exactly what you are signing up for! Marketplace insurance is part of the Affordable Care Act (ACA) [...]
Many individuals on Medicare find themselves struggling to pay premiums and copays. If your income falls below a certain threshold, you may be eligible for Medicaid in addition to Medicare. These types of plans are known as DSNP or Dual Eligibility Special Needs Plans. What are Dual Eligibility Plans? (DSNP) DNSP’s are a type of [...]
When you enroll in Medicare, there will be a sea of options available to you. You can choose from a variety of Medicare Advantage Plans and Medicare Part D Plans in addition to Medicare Supplement Plans (Medigap Plans). You can peruse all of your options on Medicare.gov by accessing the plan finder. If you choose to [...]
There are so many mistakes you can make when signing up for Medicare. Some of these mistakes can be tacked onto your monthly premiums forever! Avoiding these missteps will help you to save money on medicare. Many people don’t know that they need to pay for Medicare at all! After all, you’ve seen those deductions knocked [...]
Having health insurance is very important but at certain times in our lives the cost of health insurance may seem completely unfeasible. If your income is below a certain level, you may qualify for Medicaid. Medicaid can help to provide excellent insurance at a very low cost or even no cost dependent upon your circumstances. Even [...]
Losing your job can be a very stressful and scary time. If you are thinking of quitting your job to change careers, the thought of losing your health insurance may be holding you back. There are several options that can help keep you covered including COBRA. COBRA or the Consolidated Omnibus Reconciliation Act was designed to [...]
Are you getting ready to enroll in Medicare? There are many different letters for parts and plans, but what do they all mean? Medicare offers a variety of new choices, but unfortunately, not all of these options will be right for you. Let's breakdown the basic parts: Parts A & B (also known as Original [...]
Losing employment can be a very scary thing, even more so when you rely on employment for insurance coverage. If you've lost health insurance there may be options for short or long term coverage. You may be able to pursue one of the following possibilities: Joining a family member’s plan Participating in [...]
Are you getting ready to enroll in Medicare and considering a Medicare Advantage or a Medicare Supplement Plan? Although they both provide supplemental coverage, their differences may surprise you! With both Medicare Advantage and Medicare Supplement plans, there are several plans and many carriers to choose from. If you'd like to view all the plans available [...]
Medicare Part D is arguably one of the most confusing parts of Medicare. It provides prescription drug care coverage that is not offered by Medicare parts A or B or by any supplement or medigap plans. It is, however, offered by Medicare Advantage. How to Enroll You can enroll in Medicare Part D during your [...]
Although Original Medicare provides excellent coverage, for many Medicare Supplement Plans (also known as Medigap plans) are needed to bridge coverage gaps. There are quite a few options, but the most popular Medicare Supplement Plans are Plan F, Plan G, & Plan N. Do I Need a Supplement Plan? First, you need to understand what [...]
If you are soon to turn 65, it's time to enroll in Medicare! For many, the enrollment process is actually automatic. Even so, Medicare will remain important for the rest of your life so it is crucial that you understand eligibility, coverage, and, of course, costs! When you enroll in Medicare, you enroll in Medicare Part [...]
Are you getting ready to enroll in Medicare and considering a Medicare Advantage Plan? Original Medicare provides excellent coverage, but it's usually not enough. Many people turn to a Medicare Advantage Plan for more comprehensive coverage. Medicare Part C or Medicare Advantage acts in a unique way. In some ways, it is similar to a Medicare [...]
