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Five Most Common Medicare Questions!

By |2021-03-29T11:56:18-07:00March 29th, 2021|Categories: Blog|

Medicare can be confusing!  Let's clear up some of the uncertainty by answering the five most common Medicare questions! How Much Does Medicare Cost? Costs can vary from person to person. However, it is very easy to get a better idea of premiums on Medicare.gov.  Just use the plan finder.  Many people enroll in Medicare not [...]

Cost-Sharing With Medigap Plans K and L

By |2021-05-13T06:44:15-07:00March 24th, 2021|Categories: Medicare Supplements|Tags: , , , |

Cost-sharing is the way you contribute to your health insurance plan. This includes copayments, coinsurance, premiums, and deductibles. Premiums are a set monthly rate that you must pay consistently in order to remain active on your plan. A deductible is an annual fee you pay before you receive your first benefit of that year. Medigap Plans [...]

Is Medigap Plan G a Better Option Than Plan N?

By |2021-04-27T04:45:22-07:00March 22nd, 2021|Categories: Medicare Supplements|Tags: , , , |

Medigap Plan G offers a bit more coverage than Plan N, making it the more comprehensive option, but Plan N is a bit less expensive. Both, however, are good options. What Is Medigap? Medigap, or Medicare Supplements, are additional, supplemental insurance plans that cover many of the out-of-pocket costs of Original Medicare.  There are 10 different [...]

Do I Need Part D If I Have a Medicare Advantage Plan?

By |2021-04-06T12:41:36-07:00March 19th, 2021|Categories: Medicare Advantage, Medicare Part D|Tags: , , , |

No, you don't need Part D if you have Medicare Advantage. In fact, you may already get prescription drug coverage through your Advantage (Part C) plan, and you can add it otherwise. Medicare Advantage Coverage There are 5 main types of Medicare Advantage plans: Health Maintenance Organization (HMO) Preferred Provider Organization (PPO) Private Fee-For-Service (PFFS) Special [...]

American Rescue Plan and Your Health Insurance

By |2021-03-19T11:23:54-07:00March 19th, 2021|Categories: Blog|

The latest Covid-19 stimulus, the American Rescue Plan is a very large bill that may affect your health insurance.  Today we’ll go over exactly how the stimulus plan may affect you. Individuals who currently rely on (or are hoping to rely on) COBRA, Marketplace Plans, or Medicaid may suddenly find themselves eligible for tax credits, lower [...]

Diabetes & Medicare: Everything You Need to Know

By |2021-03-12T12:05:14-07:00March 12th, 2021|Categories: Blog|

If you have diabetes, you may be wondering exactly what Medicare will cover and what it won’t.  Also, you have important decisions to make regarding Original Medicare, Part D, Medicare Supplement Plans & Medicare Advantage.    Original Medicare Original Medicare is Medicare Part A, your hospital insurance and Medicare Part B, your outpatient insurance.  Medicare Part [...]

How to Find the Best Marketplace Plan on Healthcare.gov

By |2021-03-08T12:03:03-07:00March 8th, 2021|Categories: Blog|

Your health insurance is probably one of the most important decisions you make on a yearly basis.  Unfortunately, it can also be the most confusing!  So today, how do you find the best marketplace insurance plan on healthcare.gov? There are many factors to take into consideration when choosing a health insurance plan but basically it boils down [...]

Calculating MAGI for Marketplace Health Insurance

By |2021-03-03T10:01:29-07:00March 3rd, 2021|Categories: Blog|

If you’ve explored Healthcare.gov, you’ll notice one of the first things you’re asked is your estimated income for the following year.  Specifically, you'll be asked for your MAGI.  Your estimated income plays a huge role in your eligibility for premium tax credits.  These tax credits can save you thousands of dollars.  Unfortunately, estimating inaccurately can have [...]

Plan G vs. Plan N: Battle of the Plans!

By |2021-02-25T11:59:57-07:00February 25th, 2021|Categories: Blog|

With the slow weeding out of Plan F, the two most popular Medicare Supplement Plans are Plan N and Plan G.  But which is better?   What are Medicare Supplement Plans? Medicare Supplement Plans were designed to cover the gaps of original Medicare, namely coinsurance and out of pocket maximums.  They will not cover services not [...]

Special Enrollment Period for Covid-19

By |2021-02-18T12:27:56-07:00February 18th, 2021|Categories: Blog|

Marketplace insurance is part of the Affordable Care Act (ACA) sometimes known as Obamacare. It was designed as a way to offer comprehensive health care at affordable rates. Marketplace insurance is a great way to purchase coverage if you are self-employed or unemployed.  Due to Covid-19, a new Special Enrollment Period has opened up for Marketplace [...]

Medicare Scams Targeting Seniors

By |2021-02-11T08:24:01-07:00February 11th, 2021|Categories: Blog|

Scammers are very tricky.  Every year they find more insidious ways to steal identities and bank information.  That's why you need to be on the lookout for some of the most common Medicare Scams!   Medicare Scams 1.  Your Medicare is Going to Be Canceled! “Your Medicare is about to be canceled!”  Oh no, what do [...]

The Truth About “Free” Medicare Advantage

By |2021-02-05T09:57:51-07:00February 5th, 2021|Categories: Blog|

Nothing in life is free, right?  But you have you heard the advertisements boasting "free" Medicare Advantage Plans?  What’s the catch? If you're skeptical, you may be right to be so.     How Does it Work? If you have Medicare Advantage, you are no longer utilizing Original Medicare.  That’s because Medicare Advantage actually replaces Original Medicare [...]

Do I Need a Medicare Supplement Plan?

By |2021-02-04T08:44:57-07:00February 4th, 2021|Categories: Blog|

Although Original Medicare provides excellent coverage, many Americans still find themselves dissatisfied with their health insurance.  This is largely due to the gaps of Original Medicare and the out of pocket costs.  But, is it worth it to pay extra for a Medicare Supplement plan?     Original Medicare Original Medicare is Medicare Part A, which is [...]

Medigap Plans: What’s the BEST Medicare Supplement?

By |2021-01-28T10:25:29-07:00January 28th, 2021|Categories: Blog|

There are many Medigap Plans to choose from, but what's the best Medicare Supplement Plan?  Many of our clients are interested in supplementing their Medicare with either a Medigap plan or a Medicare Advantage plan.  Dependent upon your needs and your area, one may be better for you.   What are Medigap Plans? Original Medicare consists [...]

Medicare on a Fixed Income

By |2021-01-21T12:48:41-07:00January 21st, 2021|Categories: Blog|

Medicare was designed to provide comprehensive and low cost health insurance to senior citizens.  However, it can still be a financial burden to many.  Fortunately, there are many ways to afford Medicare on a fixed income.   Medicaid and DSNPs If you are living on a fixed income, (possibly social security alone) and your assets are [...]

ESRD & Medicare: What Do You Need to Know?

By |2021-01-07T11:38:04-07:00January 7th, 2021|Categories: Blog|

Medicare provides excellent and comprehensive health insurance to millions including Americans with ESRD.  In 2021, there are even positive changes in Medicare for those with ESRD.    Eligibility for Medicare & ESRD If you have ESRD, you will be eligible for Medicare.  You do not have to be 65.  Because you will not be automatically enrolled [...]

ACA & Aging Off Your Parent’s Insurance

By |2021-01-04T11:46:25-07:00January 4th, 2021|Categories: Blog|

Under the ACA (sometimes known as Obamacare), young people are able to stay on their parents’ insurance for a much longer period of time.  This is great news because many are choosing to follow drastically different career paths than their parents.  Very often, these life trajectories don’t come with the employer sponsored health insurance enjoyed by [...]

HSA & HDHP (High Deductible Health Plans)

By |2020-12-28T09:34:09-07:00December 28th, 2020|Categories: Blog|

There’s a lot of buzz about the tax benefits of contributing to an HSA and enrolling in a High Deductible Health Plan.  But is it right for you?  HSAs or health savings accounts are known to have triple tax benefits.  BUT, they are only available with HDHPs.  They can be great, but are certainly not for [...]

Dental Insurance Options for Seniors

By |2020-12-18T08:39:26-07:00December 18th, 2020|Categories: Blog|

Medicare provides excellent coverage for seniors, but there are definitely some gaps: namely vision, hearing, and possibly most importantly, dental! Fortunately, there are a couple of great options dental insurance options for seniors.   MEDICARE ADVANTAGE Original Medicare (Medicare Parts A & B) cover your basic inpatient and outpatient healthcare.  However, it does not cover dental.  [...]

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