What Do You Need To Bring for Your Appointment When Meeting With an Agent To Decide on Insurance?
There are a few important things that you will need to bring. First, your Driver’s License for identification and ID. Second, your current insurance card if you are currently on a plan, so they know what you have already, can compare plans, if they are adding to, or if they are needing to cancel, they […]
What is the Difference Between HSA (Health Savings Account) vs FSA (Flexible Spending Account)?
Both HSA and FSA allow you to pay for medical care, so what is the actual difference between them? Here’s a quick breakdown: Health Savings Account requires a high-deductible health insurance plan. They are owned by the employee, and self-employed individuals are eligible, and not tied to employment. They have higher contribution limits, and contributions […]
How to Find the Perfect Insurance Agent?
You will want to look at reviews, if they are licensed, and how they are paid. A good agent doesn’t charge you by appointment or make you pay for their services. It is important to ensure they ask you what county you are in, your doctors, and the medications that you take, so they can […]
What is Important to Keep in Mind During the Summer and Hot Weather?
Staying hydrated is very important. Staying hydrated can help maintain body temperature and help keep you from getting dehydrated, overheated, and from developing a heat-related illness. It is also important to have sunscreen, a hat, a way to have shade, and even to have sun protective clothing to protect you. Pay attention to the sunscreen […]
Frequently Asked Question: Is the Late Fee for Enrolling Late in Medicare Part B and Part D Only for a Few Months?
This is incorrect! Each year that you do not sign up for Part B, you will be penalized an extra 10% per year. There is also a late penalty for Part D by an extra 1% for each month that you do not sign up for it (or 12% for a whole year) if you […]
What Is the Difference Between a Medigap Plan and Supplement Plan?
There is no difference; they mean the same thing, they are just different names for the same concept. Supplement plans/medigap plans are built to help fill in the gaps that Medicare doesn’t cover. They are extra coverage plans that you can buy from private insurance companies that help pay your share. Whatever is left from […]
Original Medicare vs Medicare Advantage: What is Better?
A quick breakdown: Original Medicare: Part A – Hospital Coverage (think you are admitted), Part B: Medical Office/ Outpatient. Part D prescription drug plan. You can just have Medicare alone, or you can have Medicare Coverage with a Medicare Supplement/Medigap Plan to help “fill in the gaps.” Medicare Advantage: Includes Hospital Coverage + Medical Office. […]