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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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Turning 65 – Still Working – What you need to know about Medicare

Older adults are working longer. By 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 men and 18 percent for women.  This is according to the   U.S. Census Bureau, Current Population Survey;…
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When Does Helping a Parent Best Begin?

The month of love is here. Valentine’s Day changes for us over the years. Today it may be the celebration of a spouse who is now an angel. Everything changes and that’s where it’s important for family-parents, adult children, etc. to watch over their loved ones. As one changes physically and mentally they may withdraw…
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Oh No! I Don’t Even Have Medicare?

The following situations are real and very sad.  As everyone knows Medicare can be quite confusing especially for people working past age 65.  Imagine a 67 year old following exactly the correct process by gathering Social Security, Medicare and insurance information 2 1/2 months prior to retirement. Then at two months before retirement getting proper…
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Test Your Medicare Knowledge for AEP

Here are a couple of questions for you to check your basic knowledge: Medicare is free?  Yes  / No ? One is automatically enrolled in Medicare when they become eligible? Yes / No Disability - Some medical conditions allow for “Compassionate Allowance” to make application for Social Security Disability easier?  Yes / No Is the…
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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?…
Read more

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