When a client is first eligible for Medicare, one of the first things we do is inform and educate on what Medicare covers and what is doesn’t. Medicare consists of Part A and Part B services. Part A covers inpatient hospital care, skilled nursing care, hospice care, and home health care. Part B […]
The Annual Election Period is Here
October 16, 2018 by
The Annual Election Period is here. What does this mean? Every year between October 15th and December 7th, individuals on Medicare can look at either Medicare Advantage or Prescription Drug Plans and make changes to their current plan or get a plan for the first time. Getting a plan for the first time could result […]
Blessings
October 12, 2018 by
Laura Story is one of my favorite songwriters and singer. This song, “Blessings” refrain goes like this: “Cause what if your blessings come through raindrops What if your healing comes through tears What if a thousand sleepness nights are what it takes to know You’re near What if trials of this life are your […]
The Countdown Is On
October 1, 2018 by
Already October! It is so hard to believe that we are officially in the last quarter of 2018. We are also fourteen days away from the Annual Election Period for Medicare beneficiaries and one month away from the Open Enrollment for Health Insurance. What exactly does this mean? Regarding the Annual Election Period (AEP), this […]
Annual Election Period
September 17, 2018 by
The Annual Election Period (AEP) will be here before you know it and runs between October 15, 2018 through December 7, 2018. This is time of the year that individuals that are on Medicare can make changes to either their Prescription Drug Plans or their Medicare Advantage Plans. Very soon, anyone that is on Medicare […]
Calculating Life Insurance Needs
September 3, 2018 by
You know you are an adult when you start looking at Life Insurance. For some, that may be when a new home is purchased. For others, it may be when a baby is born. If someone will suffer financially such as a spouse or a child if you die, there is a very good […]
Getting Back to Life
August 27, 2018 by
Looking at this picture, you may see a man (who also happens to be my husband) shooting a bow and arrow. You may see a man that is practicing for the upcoming hunting season. Looking at this picture, I see something far more. Just about a year ago (On September 21, 2017 to be […]
Curveball
August 20, 2018 by
One thing that my family and friends know about me is my love for baseball. Since we gave up having cable television years ago, watching games doesn’t happen very often. When it does happen, my husband and I will choose to go out to eat at a restaurant that has games playing. We will […]
Picture Perfect
August 7, 2018 by
Looking through social media, you may see smiling faces, families and friends getting together, the birth of a child, or even a wedding. You will see happy events. You will see positive posts and great quotes. You will see businesses sharing good news about what is happening in their business. You will see people sharing […]
Agent/Broker – What’s the Difference
July 30, 2018 by
There is one question that comes up very often. That question is what is the difference between an agent and a broker. Starting out in the insurance industry, I represented one insurance company. I started out as an agent or a captive agent as it is described by insurance companies. Although this was a […]