Small Group Health Insurance Plans
Blog
One goal of the Affordable Care Act was to offer small group health insurance plans (typically 20 employees or less) on the upcoming health insurance exchanges. This difficult task has proved unobtainable and has been pushed back to 2015 at the earliest. While it appears that most of the state and federal exchanges will be up and […]
May 20, 2013
Category: Group Health Insurance
Compare Plan N Medicare Supplement Insurance Benefits & Quotes
Blog
If you're shopping for Medicare supplement insurance, Plan N might be a good option. With all Medigap coverage, you are weighing benefits vs. premiums. It's important to know that the gaps uncovered by Plan N are small. Rarely do they expose you to significant out-of-pocket yearly expenses. Plan N does not cover three gaps. Below, [...]
March 18, 2013
Category: Medicare Supplements
Standard Life & Accident High Deductible Plan F Medicare Supplement Insurance
Blog
Our independent insurance agency (Hyers and Associates) has offered Medicare supplement insurance from Standard Life and Accident Insurance Company for years. We offer this coverage direct to our clients – at no additional cost. Our clients appreciate that they can shop for new or replacement coverage with us direct. And we appreciate their loyalty and […]
January 9, 2013
Category: Medicare Advantage, Medicare Supplements
2013 Medicare Part A and Part B Deductibles & Coinsurance
Blog
Every year The Centers for Medicare and Medicaid Services (CMS) make changes to the Medicare program. CMS has posted the numbers for 2013 and there are no alarming changes, but it is important to know what out of pocket expenses to expect going forward. Deductible and coinsurance amounts will increase January 1 and that will […]
November 29, 2012
Category: Medicare Advantage, Medicare Supplements
AFLAC Medicare Supplement Insurance
Blog
Editors Note: AFLAC Medicare supplements have been taken off the market and are no longer for sale until further notice. Our independent insurance agency is now offering Medicare supplement insurance from AFLAC direct to seniors. We provide enrollment for those who are new to Medicare as well as those who would like to lower rates on […]
November 13, 2012
Category: Medicare Supplements
Avoiding Medicare Late Enrollment Penalties And Delays
Blog
If you are in the workforce beyond age 65 and covered by your employer’s group health insurance coverage, it is important to be aware of your Medicare insurance options. There are a few common penalties (both monetary and temporal) that you might face should you miss your enrollment deadlines. Penalties and Medicare enrollment delays can easily be […]
September 12, 2012
Category: Medicare Advantage, Medicare Supplements, Retirement Planning
United American Medicare Supplement Insurance Quotes & Coverage
Blog
Our independent agency now offers United American Medicare supplement insurance direct to consumer in several states. There are no markups or additional costs to request quotes and/or purchase Medigap policies while using our services. That is one of the primary advantages of working with an insurance agency like ours; you can view the direct rates from several […]
July 13, 2012
Category: Medicare Supplements
Obamacare 3.8% Investment Tax
Blog
Now that the Supreme Court has upheld most of the provisions in the Patient Protection and Affordable Care Act (otherwise known as Obamacare) high income investors can expect to pay higher taxes on most investments. Legislative changes of this magnitude certainly come at a cost and in order to pay for Obamacare, investors must now share more of […]
July 10, 2012
Category: Articles, Health Care Reform, Wealth Transfer
Explaining The Health Care Tax Penalty
Blog
Now that the Supreme Court has upheld the Affordable Care Act (otherwise known as Obamacare) there are many questions about the individual mandate as it relates to new taxes and/or penalties for those who have not purchased health insurance. It is important to understand that these new taxes (or penalties) will be phased in over […]
July 2, 2012
Category: Health Care Reform, Health Insurance
Central States Indemnity Medicare Supplement Insurance Quotes
Blog
We offer Central States Indemnity Medicare supplement insurance direct to consumer. As an independent insurance agency offering Medigap plans, we are always looking for new companies with the lowest rates for our clients. We like Central States Indemnity as they are a highly rated carrier with strong financial backing. As a consumer, it can be difficult […]
June 19, 2012
Category: Medicare Supplements
Mutual Of Omaha Long Term Care Annuity
Blog
Asset based long term care is quickly growing in popularity as those nearing retirement plan for potential long term care costs. There are only a few companies marketing long term care annuity policies and Mutual of Omaha is one of them. Their policy is called the Living Care Annuity. The primary advantages of their hybrid annuity […]
April 10, 2012
Category: Annuities, Articles, Long Term Care Insurance
Health Insurance Vanishing Deductible
Blog
Vanishing deductible benefits are not for car insurance policies only. Health insurance providers are also offering policies with a deductible that decreases over time when the chosen limit has not been reached by the insured(s). This is being done in an effort to make older health insurance polices more attractive and to retain healthy customers […]
February 14, 2012
Category: Health Insurance, Health Savings Accounts
Medicare Supplement Select Insurance
Blog
What are Medicare Select insurance policies? They are traditional Medicare supplement policies (like Plans F, C and N for instance) that require the use of a preferred network of doctors and hospitals for routine care. Medicare Select Plans are sometimes popular as they are less expensive than traditional non-network driven supplemental plans. They are appropriate for […]
January 24, 2012
Category: Medicare Advantage, Medicare Supplements
2012 Medicare Part A and B Deductible Amount Increases and Decreases
Blog
It’s almost a new year which means changes to the Medicare Part A and B deductible amounts for 2012 are here. The Part A deductible is increasing by a nominal amount, but the Part B deductible is decreasing. You read that correctly, the Part B deductible is going down which means that some Medicare supplement insurance plans […]
November 22, 2011
Category: Medicare Supplements, Retirement Planning
2011 Medicare Open Enrollment Annual Election Period
Blog
The 2011 Medicare open enrollment window is almost upon us. Otherwise known as the Annual Election Period or AEP for short, this period of time can be used by Medicare beneficiaries to switch insurance plans. The dates are a little different this year as the window starts and ends early. AEP will run from October 15, […]
September 16, 2011
Category: Medicare Advantage, Medicare Supplements