Medicare Coverage Options Supplement Vs. Advantage Plan

The differences between a Medicare Supplement versus a Medicare Advantage plan is often a topic of conversation when approaching the choice between the two. Occasionally, it is not really a choice and after a quick conversation between you and a broker, you will understand why you will be better off with one or the other […]

Durable Medical Equipment

There are those on Medicare in need of durable medical equipment in order to get around and do daily activities. Durable Medical Equipment is any medical equipment that people use in their homes to help them in their quality of living. Most insurances consider durable medical equipment a covered benefit. Therefore, most durable medical equipment […]

SEP’s For Those Under 65

If you are under the age of sixty-five, you need private health insurance to assist in lowering the cost of various health expenses. Every year, there is a forty-five-day period (November 1-December 15) called the Open Enrollment period in which people can purchase health insurance that would take effect on January 1st of the following […]

2022 Will Have the Biggest Annual Cost of Living Hike in 2022!

The cost of living adjustment, or commonly known as COLA, is an increase in benefits or salaries to counteract inflation. In 2022, the Social Security cost-of-living adjustment will be 5.9%, the highest that beneficiaries have seen in about 40 years. This is welcome news for seniors, but also points out the need to change the […]

Deductible VS. Out of Pocket Max

Having an insurance policy for your healthcare takes significant financial responsibility off of the insured. As long as they pay a small share every month to the insurance company (called a premium), the insurance company will pay the majority of the cost of the insured’s medical expenses to offset the cost of healthcare. However, the […]

How Provider Networks Work

Annual Enrollment Period is almost over! When we meet with our clients, we often ask them for a list of their doctors and specialists when we look at other plans. The reason we ask for this is that if we recommend you change your current plan, we want to make sure they are in the […]