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 […]
Medicare Annual Notice of Change
September 25, 2018 by
Last week’s post regarding the Annual Election Period raised some important questions. One of those questions had to do with the Medicare Annual Notice of Change or ANOC. The Medicare Annual Notice of Change is a document or letter that lists any plan changes such as service area, premiums, deductibles, or any other costs associated […]
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 […]
We Will Never Forget
September 11, 2018 by
September 11, 2001 – It’s a day that changed the world, our country, our towns, and everyone of us. 246 people went to sleep for their morning flights on 9/11. The night before, 2,606 people went to sleep for work. 25 flight attendants packed their bags for their early reports. 343 firefighters, 60 police officers […]
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 […]
Beware of Scammers
August 13, 2018 by
About two months ago, there was a voicemail that was left for me. On this voicemail was a call telling me to call right away about a personal matter. I could barely understand the voice on other end of the phone, but because insurance companies call me often about personal matters for clients, it wasn’t […]