Surely you’ve been bombarded by ads – TV and radio commercials, mail, telemarketers, email, and online ads about how you could get $148.50 per month (or in some cases $1782 per year which is actually the exact same amount). You’ve wondered whether it’s even true and, if so, whether or not you could qualify. No […]
Hopefully you’ve already learned about Medicare A, B, and D in our previous posts, but if you haven’t it would be a great idea to read those before continuing with Part C as it’s sort of a prerequisite (no dessert until you’ve finished your dinner). You can click here for Part A, here for Part […]
If you’re reading this then you’re hoping to learn more about Medicare Part D. Hopefully this will be just what you’ve been looking for – a bite-sized article that explains Part D in everyday, easy to understand language. We’ve already covered Medicare Parts A & B (Original Medicare, a federally administered health insurance for people […]
As promised, this second part of Making Sense of Medicare will unpack Part B. Original Medicare can get pretty confusing. Misconceptions and misunderstandings can lead to mistakes -- costly mistakes at that! The good news is that these mistakes can be avoided with a bit of knowledge. Insomuch as we broke down Part A in […]
Many are confused about Medicare and if you're on it, being confused isn't okay. The potential cost of confusion is a risk you just don't want to take. To help out, I've decided to put together a series dedicated to clearing things up (in bite size pieces for those of you who, like me, can't […]
There is a great deal of misunderstanding and confusion costing medicare beneficiaries a lot of money. These people are generally living on fixed incomes and tight budgets. Each time I meet with someone I have three main objectives: To save my clients as much money as possible. To get my clients as many benefits as […]
Medicare plans change every year. Copays/coinsurance, premiums, plan benefits, provider networks, and drug formularies are subject to change from year to year. An agent can help you understand these changes and how they will specifically impact you. AEP is THE ONLY TIME you can switch from one Medicare plan to another (with some special exceptions). […]
You've likely received mail from others in my line of work making less-than-honest claims. Why? They hope your lack of knowledge will help line their pockets. I've been receiving these myself. Each time another shows up in my box I feel more obligated to tell you the truth. I'm sure you don't appreciate being played […]
Not being informed of your options and entitlements under Medicare is financially foolish and could potentially jeopardize your health and your wallet. Medicare can be overwhelming and, consequently, many people simply choose whatever plan their friends or neighbors have. However, this follow-the-leader technique of making such a critical decision is a big mistake. Would you […]
Flowers, candy, a show, a romantic night out alone are all wonderful ways to express your love for that special someone in your life. But have you considered what would happen to your family if you didn't wake up one morning or didn't make it home from work one day? There are many families who haven't […]
This is a question everyone should ask before purchasing a life insurance policy. There are different types of life insurance and each serves a different purpose. It would be a far too lengthy post if I fully explained them all here so I will give a basic overview and save the details for future entries. For […]
The best answer to this question is that you should get life insurance as soon as you get a life. When do you get insurance on your car? Your house? Your phone? Generally, you get insurance as soon as you get them. Why? In part because some of these things require it, but also because […]
The bottom line is that life insurance is for everyone. We insure our cars, houses, cell phones, health, and other items of importance with absolutely no guarantee we will ever submit a claim. Life insurance is the only insurance we are guaranteed to use. It isn't for us, it's for those we love.
Welcome. I am an independent, licensed, health and life insurance agent. I have a passion for helping others protect themselves and their loved ones from unnecessary financial burdens. This passion was born out of personal experience, as my children's father passed away just two months after his life insurance policies lapsed. With two minor children […]