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Medicare Advantage & MedicareRX Annual Enrollment

Medicare Enrollment Period Time Well, it’s Annual Enrollment Period (AEP) time again and you will be bombarded by mailings, flyers, and TV commercials about all of the Medicare Advantage (MA) and Medicare Part D Prescription Drug Plans (PDP). Beginning on November 15th to December 31st you can change your MA and/or PDP plans or enroll…
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Medicare Concerns? Worries? Confusion?

Explanation of Medicare Changes The past 12 months have brought about big changes in the insurance industry and big changes in Medicare. If you are concerned, worried or confused you are not alone. Many people who have Medicare Advantage plans (MAs or if it includes prescription coverage MAPDs) have received letters that their plan is…
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Small Premiums Big Results – If you remember

How Will You Control Your Out Of Pocket Expenses? Higher insurance deductibles! Higher co-insurance!! More out of pocket expense!!! What can a person do to control their out of pocket expense? To be clear, first, a person is best served by having a good medical or Medicare health plan. In addition, some people purchase smaller…
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PPACA Will Affect You

Affordable Healthcare and You Your life will be affected by Healthcare Reform named The Patient Protection and Affordable Care Act (PPACA), and the many unknowns yet in the next 3 years (and beyond). Putting politics aside, the question becomes: how can you best prepare to have favorable outcomes due to these changes? So, this is…
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New Medicare Supplement Plans and Changes

Questions and Answers about Medicare Supplement Insurance Plans June 1st, 2010, Medicare Supplemental Insurance (Medigap) Companies are allowed to sell two new choices for consumers - Medicare Supplement Plan M and Medicare Supplement Plan N.  Also on June 1st, Medigap plans E, H, I, and J were eliminated due to changes in Medicare coverage and…
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How Healthcare Reform May Affect You?

Answers about Healthcare Reform People continue to watch the developments with healthcare reform.  One thing is clear that much or most of the “Patient Protection and Affordable Care Act” (PPACA), will be enacted though interpretation of the Secretary of Health & Human Services (HHS).  Elections this fall and in 2012 have the potential to have…
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Healthcare Reform – How it may Affect You

Read Here About Healthcare Reform! Healthcare Reform has been signed into law and whether you are in favor or not, there is no reason to be overly exuberant today. While much of the law will be left to interpretation by the Secretary of Health & Human Services (HHS) some Healthcare changes start in 2010. Some…
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Pension Protection Act 2006: Can Save You Money on LTC Premiums?

Do you have long term care insurance (LTCi), or are you looking at purchasing LTCi? Would you like to possibly save money on the premiums? If so read on: Many people have annuities as part of their investments. Many more have CDs. These investments may be housed in either tax qualified vehicles such as 401Ks…
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We Can’t Buy Cheap; We Aren’t Rich

Looking For Affordable Insurance? Sometimes, as one might overhear in a coffee shop, insurance is a “bad word”. On the contrary, if handled correctly, insurance can be affordable (for most people), serve to protect one’s assets and help assure that you will be able to access needed medical care. Ask anyone who has had a…
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Types of Insurance Products Needed

Confused By All Of The Types Of Health Insurance? Do I need a cancer insurance plan? This question is often heard, so the question becomes: what insurance products do I need? While this column will give you ideas, contact your insurance professional for advice. First, what is insurance and what can it do for me?…
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