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Medicare will not pay for a routine medical physical. However, they do pay for you to see your doctor once per year. During the first 12 months that you have Medicare Part B, you can get a “Welcome to Medicare” preventative...

The short answer is “not necessarily.” Of course, the general perception is that if you don’t have Medicare at age 65, you will be subject to a late enrollment penalty. That is true for some people who are currently...

Annual Enrollment Period, (AEP) also know as Open Enrollment Period (OEP) is from October 15th through December 7th each year. All Medicare Advantage Plans and all Prescription Drug plans will change annually. Medicare supplements...

Every year the Centers for Medicare and Medicaid (CMS) may change the out of pocket costs to Medicare recipients (known as beneficiaries). In 2018, the Part A premium will continue to be $0 for most beneficiaries. The Part B Premium...

I recently met with Shirley, a prospective client for Medicare Supplement Insurance. She was shocked to find out that Medicare did not cover any dental costs. She said, “I don’t understand, good dental health and overall...

Beginning October 1, 2018, Medicare-eligible beneficiaries can start “shopping” for new Medicare Advantage and Medicare Part D Prescription Drug Plans (PDP). Those who are in Medicare Supplement plans should be okay unless...

I recently had a prospective client ask how much my services cost. She had checked out my website, yet that question was not clear. It is not a secret, and I want all my clients to feel comfortable using me and my knowledge. I am an...

It is an honor indeed, to have United Healthcare recognize me as a level 2, “Authorized to Offer” agent. Every “A2O” agent is required to meet rigorous criteria to become “Authorized to Offer” status...

You could get caught owing many thousands of dollars even though I have sold you the best coverage available. This is due to two little words in your hospital medical chart – “Under observation”. Make sure that if you...

Almost every day, I talk with people aging into Medicare. Almost everyone is confused. One reason is that there at least two names for exactly the same Medicare feature. For example: A Medicare supplement is the same thing as a Medigap...

I have a wonderful family doctor and she just ordered a bunch of preventative tests for me. I asked if they would be covered before my deductible (its high) and she said she really did not know. I called my insurance carrier and they...

Yes, that is what I do. Pretty plain and simple. Twice this past week, I have been challenged to come up with a new elevator speech. You know the one, where someone asks you “What do you do?” So, I woke up at 4:30 A.M this...

Do you know that a person retiring soon, can expect to be in retirement 20 years or more? That is a long time for retirement money to last! Wouldn’t it be great if we had a pension plan like our parents and grandparents had? That...