Medicare and Prior Authorization – What You Need to Know
The purpose of this article is to explain how Prior Authorization works with Medicare. This is an important subject because the prior authorization process can factor into your decision about which type of Medicare plan you choose. Additionally, if you enroll in a plan that requires prior authorization, then it is vital to know how […]
Good Article about the New Medicare Open Enrollment Window
If you have a Medicare Supplement plan (also knows as Medigap), then you can switch plans anytime of year. Many people mistakenly believe they can only switch Medigap plans or carriers during the Annual Election Period (from October 15 to December 7 each year). The Annual Enrollment Period (AEP) is the time of year to switch […]
Paying for Medicare Part B
If you’re new to Medicare, but are not yet receiving Social Security benefits, then you might want an easy way to pay your Medicare Part B premium. If you are receiving Social Security benefits, then you will most likely select to have your Part B premium deducted from your monthly check. I highly recommend this […]
Two Medicare Enrollment Surprises to Consider
If you are in the process of researching your Medicare plan options, you have probably discovered there is a lot to learn. Some refer to the process as the Medicare Maze. It’s not just a matter of deciding on the best plan options, but all the rules to follow and penalties to avoid. You might […]
Short Term Medical Plans – Smart Move or Not?
A recent article published by Kaiser Family Foundation provides helpful information on short term medical plans. Whether you live in Georgia, California or Wisconsin, you will find the information valuable. You might be a great candidate for short term medical…or you might need to stay far away. This article will dispel a couple of myths. […]
How to Find a Good, Independent Insurance Agent
You might think that working with an experienced, independent agent is your best option when shopping for insurance. Whether it’s life insurance or Medicare insurance, an independent agent should shop the market for you and help you find the best coverage. However, there are some important items to consider when looking for an independent health, Medicare or life insurance agent. […]
Clark Howard’s Misleading Commentary On The Health Insurance Marketplace
I was listening to the radio today and I heard Clark Howard opine about what’s going on in the personal health insurance market. He was responding to the big news about Aetna and how they decided to withdraw from most of the states where they participate in the Marketplace. He went on to explain the […]
Accident Insurance – A Smart Way to Supplement High Deductible Plans
Accident Insurance, also referred to as Accident/Injury Insurance, is designed to pay money directly to the policyholder in the event of an accident or injury. The coverage will pay for out-of-pocket costs incurred as a result of an injury: urgent care, emergency treatment, exams and x-rays, hospitalization and other expenses related to the injury. The […]
Finding The Best Dental Plan
Finding a good personal dental plan can be as painful as a root canal! If you do a search online, you will encounter dozens of websites that promote numerous dental plans – and it’s difficult to know which plans are good and which ones are not. Most people get confused and decide to go with […]
High Deductible Health Plans / Tools You Can Use
The trend towards higher deductible health plans has been forced upon us. With extremely high rate increases, employers and individuals have turned towards high deductible health plans as a way to mitigate costs. I read an article today in Consumer Reports that provides statistics to show this trend is growing rapidly. However, the real take-away […]