August 28, 2017

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 y...

August 23, 2017

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...

August 22, 2017

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...

August 16, 2017

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? A...

August 14, 2017

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 t...

August 12, 2017

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 thro...

August 11, 2017

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 givi...

August 10, 2017

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...

August 9, 2017

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 prio...

August 3, 2017

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 nee...

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