I have a task for you. I want you to think about a year from now, what would make you happy with the agent you chose? Most people are just thinking about the policy, but in my humble opinion the agent is just as important, if not more so. They need to be up to date on the policies and make sure you have all the information on your options, as we get older situations change. Medicare is going through changes and your agent should keep abreast of these changes. You should not hear from your agent just when he needs to make a dollar. Here is what I will do for you in that year. Before you enroll we will go over all aspects of Medicare. We will go over the good, the bad, and the ugly. We will ta

Are you talking to an agent or a salesman? There are a lot of people calling seniors and promising the world, in order to get them to enroll into a Medicare policy with them. There are some great people out there that are actual agents and not salesmen. They genuinely care about their clients and are interested in them as people and truly value and appreciate the relationship they have with them. Then, there is the other side. I am sure you have spoken to them, they are pushy, rude, and it is obvious you are only out there to make a buck. Please do not get me wrong, I am in this business to provide for my family. I enjoy this business and helping people get the right plan for them. If I know

Will my rates increase because I use my supplemental coverage? I get this question a lot and the answer is your policy may increase year over year, in most circumstances this will be the case, but it will not be because you used it more often than someone else. Your rates are based on the community’s usage of the particular plan. What I mean by this is, the insurance company will take the entire pool of a Plan in a geographic area and work the numbers to determine what they can charge to be competitive and make a profit. So your rate will be set by the entire community not just by you. Keep that in mind. You need to make sure the company you select has a history of reasonable rate increases

It’s summertime again, which means most of us will be enjoying outdoor activities. Whether you’re enjoying the beach, or just a lazy afternoon by the pool, it’s important to remember your skin! According to Cancer.org, more skin cancers are diagnosed in the US each year than all other cancers combined. That’s pretty unnerving, but there are things we can do to protect ourselves. Here are a few tips to keep your time in the sun, fun: APPLY SUNSCREEN: SPF 30 or higher 15 minutes before going out & reapply every 2hrs. Look for products containing: Mexoryl, Parsol 1789, titanium dioxide, zinc oxide, or avobenzone. TAKE A BREAK IN THE SHADE: If your favorite spot doesn’t have any shade, use a

When you are in the market for a Medicare Supplement or an Advantage Plan, what exactly are you buying? Are you just getting a policy or are you purchasing an agent? You should be purchasing an agent and the policy should come with it. Our approach is simple: it does not matter which policy you get, as long as it meets your needs and covers you to your satisfaction. We want you to only have to worry about one thing-if you get sick, getting better. You will have our office number, cell phone, and email. If you have a question, concern, or issue, you do not have to call the insurance company, you call us and we get the matter resolved. Here is a scenario that took place a couple of weeks ago:

With hospitals pushing patients out the door earlier, nursing homes are deluged with increasingly frail patients. But many homes, with their sometimes-skeletal medical staffing, often fail to handle post-hospital complications — or create new problems by not heeding or receiving accurate hospital and physician instructions. Patients, caught in the middle, may suffer. One in 5 Medicare patients sent from the hospital to a nursing home boomerangs back within 30 days, often for potentially preventable conditions such as dehydration, infections and medication errors, federal records show. Such re-hospitalizations occur 27 % more frequently than for the Medicare population at large. The revolving

The Medicare Board of Trustees released their annual report for Medicare’s two separate trust funds and their findings revealed that Part D drug spending projections are lower than in last year’s report. Higher manufacturer rebates, a decline in spending for Hepatitis C drugs, and a slowdown in spending growth for diabetes drugs was reported the main reason for this good news. The report also found that the Trust Fund will be able to pay full benefits until 2026, which is three years earlier than last year’s projections, attributable to adverse changes in program income. The Trustees project that total Medicare costs will grow from approximately 3.7 percent of GDP in 2017 to 5.8 percent of

Are you confused about which plan you should go with when you retire? We speak to people all the time who think that it is in their best interest to go with the plan their employer has contracted. It is going to be in your best interest to see what else is available. If the agent you are talking to is only talking about a Plan F, then they are doing you a great disservice. Plan F is going away in 2020, and the rate of increase is going to be double digits year after year. You are also going to pay more each year than you should, just to avoid paying the $183.00 deductible. If you do the math it is clear. This is just an example, as rates are subject to your area and your specific situation.