Good morning all, I hope all is well in your world. We are now just over a month and a half until the Annual Enrollment Period. The Annual Enrollment Period, or AEP, is the time when you can go over their options for the following year. AEP is for people on a Medicare Advantage Plan or a Part D prescription plan. If you are on a Medicare Supplemental plan or Medigap you do not have to worry about AEP, but you do need to make sure you have the best Part D plan for you. As we g

Good morning all, I hope everyone is having a great start to a great Friday. Just a couple of things I wanted to touch on today. For the most part, all of your medications will fall under your Part D drug plan. There are circumstances though where you may file under Part B. This is important because if your medicine is administered by a licensed physician, then this may fall under Part B and depending on the plan you chose this could save you a substantial amount of money thr

Good morning all, I certainly hope all is good in your world. Today, I want to conclude the breakdown of Medicare. This is intended for people turning 65 or going onto Medicare, or for people interested in finding out more about Medicare because of the Medicare for All chatter going around. This is not a political statement, I have no use for either party nor does it address the overall cost to us as a country. Medicare Supplements Medicare Supplements will pick up some, most

Good morning All, I hope life is good in your world. Today, I want to talk about the fourth part of Medicare. This is for anyone going on Medicare at age 65 and for people doing research on the Medicare for All and are curious about what it would look like in its current state. Once again, this is not a political statement, nor am I looking at the costs for the government. I have no use for any of the political parties so I am not leaning one way or the other. In the words of

Good morning all, I hope everything is well in your world. Today is the first day of school for my youngest son, going to be a junior this year. Where did the time go and how do we make it go faster to get him through high school and out of the house? Just kidding, not really, maybe a little. Today, I want to continue the breakdown of Medicare, in its current state, for those that are interested in the Medicare for All. This is not a political statement, just a breakdown of M

Good morning all, I hope all is well in your world. This is the second blog in the series of what Medicare for All would look like if it was implemented for everyone. Again this is not a political commentary, as I have no party affiliation; I do not trust anyone in Washington DC. I know that I have gone over this people turning 65, but hopefully, this will provide some insight to individuals that are well below 65 and want to get some information on how it would work for them

Good morning all, I hope all is good in your world. As I sit here Sunday morning listening to the sound of my sons cutting grass and my dogs going crazy, because they want to go out there and attack the lawnmower, I am thinking just how great life is for me. About ten years ago, actually ten years and one week my wife was in an accident that turned our life upside down. She was unable to work and needed care on a constant basis. I had to quit work to take care of her and try

Good morning all, I hope life is going well in your world. Today, I wanted to talk about Medicare For All. It seems that everyone is interested in this topic and I wanted to go over Medicare in-depth. This will hopefully shed some light on those under 65 that are approaching enrollment in Medicare and those well under 65 that are interested in what they can expect under the “Medicare for All” model. This is not a political commentary, because I am not a big fan of either part

Good morning, I hope all is going well in your world. I wanted to go over a policy that may be beneficial to people of all ages. This is a Critical Illness policy, which is also known as a Cancer, Heart, & Stroke policy. For sake of brevity, we will call it CI going forward. Most people I talk to about these plans feel they do not need a CI because they have insurance or Medicare and it will cover the ailment. Let’s take a look at how you would benefit from a CI plan. Depend

Good morning All, I hope all is great in your world. Today, I want to go over Dental, Vision, and Hearing Insurance. As I am sure you are aware, Traditional Medicare does not cover Dental, Vision, or Hearing. This is one of the selling points used for offering a Medicare Advantage plan. Some Medicare Advantage plans offer these benefits at no extra costs. Some of these plans will also offer an additional plan at an extra cost. Most of the DVH offered in these plans are very b