Blog

A Medical Office on Every Corner

In the near future, will your next visit to the doctor be as close as your pharmacy?  This is the new model CVS, Walgreens and other pharmacies are implementing in areas such as metro Detroit.  The concept is to offer more than prescriptions and in fact, one of the pharmacy chains has a trial to…
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Are You Turning 65? What about Signing up for Medicare?

Many people say: “I never thought I would be 65”. Some are very happy because their insurance premiums and coverage options are decreasing dramatically and coverage options increase. However, many questions may arise such as when do I start signing up for Medicare? How do I enroll in Medicare Part B? People who are still…
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Medicare Enrollment Periods—It’s Complicated!

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 Part B.  Again, I said MAY.  The rules for allowing you to refuse Medicare Part B during your Initial…
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ACA – Errors People Make and a direction for help

Again this week, the Marketplace and insurance agents are receiving phone calls with people stating “I want to change my health insurance”. Many are also stating they “want health insurance, not an Obamacare (ACA) Plan”. Health insurance is not what it was 7 years ago. First error: Although it’s not uncommon for people to think…
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About to have a genetic test? Think Twice and Consider…

In recent years there have been more talk of genetic testing, but can that test affect your ability to buy insurance? The unfortunate answer is “yes”. Insurance companies, other than Health Insurance Companies - Obamacare (ACA) can use this information to charge higher premiums or decline your coverage altogether. As of today insurance companies continue…
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Medicare For All – Can it Work?

Ask people covered by Medicare to look at their Medicare Summary (claims) Notices.  It’s not uncommon to see Medicare approving about 15-25% of the provider billed amount.  Then Medicare most commonly pays 80% of the approved amount. So, it’s fair to say Medicare pays about 12 – 20% of many Medicare submitted expenses.  Have you…
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A Valentine’s Gift Lasting a Lifetime

Roses and a nice dinner out is great way of showing your love for your spouse this Valentine’s Day.  If you want to give a lasting gift of love for your spouse and family use this day to set up a time with an expert to review and make legal your future plans.  Why? Last…
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Are You Enrolled for 2019 Medicare or ACA Plan?

Medicare Plans and Obamacare – Wrapping up another busy year. Medicare Plan Annual Enrollment Period (AEP) ends on December 7th. Obamacare ends on December 15th. What does this mean to you? Medicare: If you are on Medicare and purchase your own Medicare insurance, you need to make plan selections or changes during AEP. The exceptions…
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