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Retiring? And/or Going on to Medicare—It’s Complicated!

By Beth Cooper Ingle, CSA and Steven A. Buttice This is complicated and you cannot afford to make a mistake.  Are you over age 65 and still working or your spouse is still working and have Health Insurance through an Employer Group Health Plan (EGHP)?  If so, you may be able to delay enrollment in Medicare…
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Retiring? And/or Going on to Medicare—It’s Complicated!

By Beth Cooper Ingle, CSA and Steven A. Buttice This is complicated and you cannot afford to make a mistake.  Are you over age 65 and still working or your spouse is still working and have Health Insurance through an Employer Group Health Plan (EGHP)?  If so, you may be able to delay enrollment in…
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Who is IRMAA and why do I need to know about Her?

Do you pay more than $144.60 per month for Medicare Part B?  This may be the reason! By Beth Cooper Ingle The “Big Day” is fast approaching!  You will be age 65 soon.  You’ve done everything you need to begin this new life; notified your employer you’re retiring, contacted Social Security and filed for Social…
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Wrapping up 2020 and Planning for 2021

As we enter this holiday season, life is clearly different.  Hopefully, this article will inform and clarify some of the issues many people face at this time.  Depression:  The Covid 19 pandemic has put us in a time period that we hope never to see again.  Businesses closed or at a minimum have altered procedures. …
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Retiring 12/31 What you need to know about Medicare

There are a good number of people retiring the First of the New Year.  As we know, older adults are working longer. In 2018, 24 percent of men and about 16 percent of women ages 65 and older were in the labor force. These levels are projected to rise further by 2026, to 26 percent for…
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On Medicare – Annual Enrollment Dos and Don’ts

Medicare’s Annual Enrollment Period (AEP) begins 10/15 and will continue through 12/7. The AEP is when most people can change their Medicare Advantage (MA) and Medicare Drug Plans (Part D).  So, that is the reason for the flood of commercials, mailings and perhaps phone calls you may be receiving.  What do you need to know?…
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Test Your Medicare Knowledge For AEP

By Steven Buttice, Founder and President Living By Your Design, Inc. If you wonder if there is a Medicare Plan that better fits your needs and wants; next month begins Medicare’s “Annual Enrollment Period” (AEP) and is the time to make changes.  Here are a couple of questions for you.  Check your basic knowledge: Medicare…
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Bits and pieces

2021 Insurance premiums:  COVID-19 has turned our society upside down.  Health insurance premiums are driven by expected claim costs, insurance company administrative fees and other related costs.   A recent Altarum analysis shows that, due to the cancellation of elective procedures and low patient volume, tanking healthcare usage has contributed to a 24.3% decline in spending over…
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Are Final Life Insurance Plans as Good for Me as Advertised?

Do you watch daytime television advertising? Last month it was Medicare Plans, this month it is funeral expense or final expense plans. The problem is that these advertised plans are cookie cutter plans and people may have better options to consider. TV doesn’t explain those options, so if these type of insurance plans interest you…
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What If – Could This Happen To Me?

It’s late at night, you’re alone and driving home.  You’re tired, but still have a couple miles to go.   At last, you’re about a half mile from home.  You relax and fall asleep at the wheel.  You go off the road waking up as you’re going over some big bumps.  You’re off the road…
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