Why us? If you are tired of talking to people that only want to sell you something and not really concerned with you needs when it comes to Medicare, you may want to consider giving us a call at The HgO Group. Our goal is to give you the information you will need to make the best decision for you. Obviously, we would like to become your insurance agency, but we need to make sure you know exactly what you’re options are with Medicare. If you do not understand the process and w

If you are planning to continuing to work until age 66 or beyond, you may not need to enroll into Medicare at all. It is going to be up to your company and the insurance company. Some companies require that you enroll into Medicare Parts A & B and the company insurance will act as the primary, while Medicare acts as secondary. If this is the case, you need to keep in mind that if you have any health issues you may be limited as to which plan you can enroll into when you retir

Traditional Medicare does not offer Dental & Vision coverage. It will cover tests for Cataracts and Glaucoma. Some Medicare Advantage plans do include minimal Dental, Vision, and Hearing coverage, but keep in mind it is very minimal. In order to get a comprehensive plan you would need to purchase something outside of the plan. There are Dental, Vision, & Hearing policies starting around $35.00 per month. If you have questions, or would like to get a qoute, please contact us H

What is the ideal coverage in your eyes? What exactly are you looking for in an insurance policy? Of course we all want inexpensive rates, not cheap, but what else are you looking for as far as coverage goes? Are you looking for the largest network? Are you just concerned about a low monthly premium? Medicare is not a one size fits all remedy. There are many moving parts that need to be explored, analyzed, and reexamined, at least once a year. You need to make sure that you h

I recently spoke to a client that had been on Medicare for a little over a year. She was interested in switching carriers, as she found out that she was paying $53.00 per month more than she should have been paying for a Plan G. At $53.00 per month that equals over $600.00 per year! She said when she spoke to the agent that signed her up for the policy he assured her this was the best option for her and she would be able to switch at any time. He went on to tell her the other

A dear aunt of mine was recently diagnosed and treated for breast cancer, and it’s quite amazing just how many questions one can have when dealing with such a horrible disease. Of course, my whole family took to reading in order to help her get through this terrifying ordeal. After inquiring myself, I realized a few facts that aren’t widely known not only by people not on Medicare, but also by recipients, or those that are covered by Medicare. Below are a few facts that may

Which option is right for you? A lot of the people I speak to are confused about which way to go when it comes to Medicare. Do they go with traditional Medicare and get a Supplemental Plan, or do they opt to go with an Advantage Plan? I am merely giving you the facts to consider when deciding what’s going to work for you. Here are some things to consider: Medicare Supplements, or Medigap plans, work with your Traditional Medicare. There are no networks and if your doctor acce

We often get questions as to which basic services are covered. Below, we've listed a few of those services with explanation. Eye exams How often is it covered? Medicare doesn't cover routine eye exams (sometimes called "eye refractions") for eyeglasses or contact lenses. Medicare Part B (Medical Insurance) covers some preventive and diagnostic eye exams: Yearly eye exam Glaucoma tests Macular degeneration Dental services How often is it covered? Medicare doesn't cover most d

Are you about to enroll into Medicare for the first time? Here is something you need to consider with regard to Medicare costs. Medicare determines your premium for Part B and any additional Part D charges based off of your income from two years prior. For this demonstration we will be going off of 2017 numbers. Both of the charts can be found on Medicare.gov website. If you're in 1 of these 5 groups, here's what you'll pay: These figures will change in 2018. Those figures

I have a soon to be former client that entrusted me to assist her with her Medicare needs. She is on limited income and we decided on the best plan for her. We both knew that it was going to stretch her budget but, with her health conditions, she needed something to provide her with health & prescription coverage. That was back in April. I have been in contact with her and working through the various programs available to low income people. We have been turned down and blown