High Deductible Plan F Medicare supplement insurance can be a policy choice. It offers low monthly premiums in exchange for higher out-of-pocket expenses. In fact, HD Plan F offers some of the lowest rates of any supplement on the market. Traditional Plan F can be a better choice for those who would rather have no deductible. …
April 19, 2011
Category: Medicare Supplements
Seniors eligible for government Medicare are sometimes in search of combination insurance policies that will cover both the gaps in Medicare and final expenses associated with a funeral. Fortunately, there are a few companies that offer both coverages on one application making it easier to insure both needs. Insurance providers such as Mutual of Omaha, Forethought …
April 8, 2011
Category: Life Insurance, Medicare Supplements
As you approach Medicare eligibility, you’ll be faced with the decision of how to best supplement your government provided Part A and Part B Medicare insurance coverage. You want to know which options and which plan(s) provide the most benefits at the lowest price. There are Medicare supplements and Medicare Advantage plans to choose from, …
March 28, 2011
Category: Medicare Advantage, Medicare Supplements
If you will soon be age 65, you'll want to know how to sign up for Medicare Parts A and B with the federal government. You may have questions about supplemental insurance as well. Medicare Parts A & B enrollment is done through the Social Security Administration and can be accomplished in three different ways. [...]
March 17, 2011
Category: Medicare Advantage, Medicare Supplements
You have several choices to consider when shopping for Medicare supplement insurance coverage. Plan C is popular as it covers almost all of the gaps associated with Original Medicare Parts A and B. It can be a good alternative to Plan F if you desire slightly lower premiums and wish to maintain comprehensive overall coverage. Plan C is …
February 15, 2011
Category: Medicare Supplements
There are several factors that will determine the cost of a Medicare supplement policy upon purchase. Each insurance company and each state has its own rules and regulations affecting policy prices. That is why it’s usually wise to shop around with an independent agency. The prices of Medicare supplement insurance plans are controlled by law, so …
February 7, 2011
Category: Medicare Supplements
If you are currently enrolled or soon to be enrolled in Medicare, you usually have just two insurance choices to close/minimize the gaps in this government insurance program: Medicare Supplements or Medicare Advantage plans. It’s a good idea to choose one or the other as Original Medicare has several benefit gaps with open ended expenses. …
January 21, 2011
Category: Medicare Advantage, Medicare Supplements
Forethought Life Insurance Company is offering affordable Medicare supplement coverage in several states across the U.S. Forethought is well known for their diverse annuity and life portfolio, but they also offer supplemental Medicare policies through independent agencies like ours. It is not uncommon to see insurance companies enter the Medicares supplement marketplace after developing a strong …
December 14, 2010
Category: Medicare Supplements
When shopping for Medicare supplement insurance to help cover the gaps in your Medicare Part A and Part B coverage, it is important to know what your out of pocket expenses will be each year. The Part A and B deductible amounts increase each year as determined by the Centers for Medicare and Medicaid Services. All …
November 12, 2010
Category: Medicare Supplements
As of October 15th 2010, Anthem Blue Cross Blue Shield of Ohio is offering Medicare supplement coverage on a guaranteed issue basis in certain circumstances – along with their standard underwritten plans. This is good news for those over age 65 who have had trouble switching from costly Medicare supplements because of poor health or …
October 28, 2010
Category: Medicare Supplements
Parts of the new health care legislation have already taken affect, but there is quite a bit of confusion over the guaranteed issue status for children under the age of 19 years old. (Editor’s note: Some of the information below is outdated – please contact us to discuss a child-only health insurance application.) As of September …
October 14, 2010
Category: Health Care Reform, Health Insurance
As part of the implementation of the new health care reform laws, Ohio small businesses providing group health insurance for their employees can write off a portion of their premium payments. The Affordable Care Act allows employers who pay at least half the cost of single health insurance coverage premiums for their employees to claim the credit. Employers …
September 8, 2010
Category: Group Health Insurance
As part of the health care reform bill passed by Congress and signed into law by President Obama in March, new high risk health insurance pools will be created by several states. The pools are designed to last 40 months and bridge the gap until applicants with preexisting conditions must be underwritten for permanent coverage. …
August 5, 2010
Category: Health Care Reform, Health Insurance
There are several insurance companies offering Medicare supplement insurance plans across the U.S. – some are more well known than others. For every Anthem Blue Cross/Blue Shield and United Healthcare there are a dozen other companies offering the same benefits and coverage. How are you to know which insurance company is best for you? Understanding Medicare …
July 23, 2010
Category: Medicare Supplements
New state and federal laws allow Ohio residents to keep children insured on a parent’s health insurance policy past age 23. Federal and State laws only require coverage is offered to age 26. Those who are insured through an employer based group health insurance plan – and those who have purchased individual or family insurance …
June 23, 2010
Category: Health Care Reform, Health Insurance