Understanding Annuity Liquidity Options
Blog
At our independent agency, we work with all types of annuity policies. One of the primary concerns our clients have is access to their policies. They want to know they can make withdrawals when needed. The good news: There are several ways policyholders can withdraw money from their annuities. Most contracts have several liquidity provisions [...]
March 13, 2019
Category: Annuities
Comparing The Best Medicare Supplements
Blog
At our independent agency, Medicare supplement Plans F, G and N are the most requested plans by our clients. Their popularity can be explained by the fact that these three plans cover the most important gaps left behind by Medicare. But there are some key differences. Almost all carriers offer all three plans, but there [...]
March 7, 2019
Category: Medicare Supplements
What Are Annuities? How Do They Work?
Blog
The Hyers & Associates team works with annuities of all kinds. We will help you understand how these policies are for retirement planning - or as an investment opportunity. Many people want a safe and reliable way to invest their money while retired. An annuity is a smart option worth considering. Understanding their purposes will [...]
February 14, 2019
Category: Annuities
Tags: retirement annuities
Plan G Medicare Supplement Insurance
Blog
If you are near (or already) eligible for Medicare, you might be wondering about your Medigap options. You should consider Medicare Supplement Plan G straightforward choice for affordable & comprehensive coverage. It's one of the most complete plans available. It also offers good value when compared to other plans like F and N. The premium [...]
January 31, 2019
Category: Medicare Supplements
Medicare Insurance Plans With Silver Sneakers
Blog
Many of our clients ask about the free Silver Sneakers gym membership and how to qualify when shopping for supplemental insurance plans. It can save members a lot of money. Some insurance companies offer this valuable benefit, but many do not. And availability will depend on where you live. We help our clients compare the [...]
January 11, 2019
Category: Medicare Supplements, Medicare Advantage
Why You Need Hybrid Life Insurance For Your Long-Term Care Plan
Blog
We get older every day and as we do, we have our eye on retirement. However, along with retirement, there is also a concern over the possibility of getting sick and needing long-term care. To rest assured you’ll be taken care of when that time comes, the team at Hyers & Associates can help you [...]
January 9, 2019
Category: Long Term Care Insurance, Retirement Planning
What is the Difference Between Medicare Supplement F, G, and N
Blog
Today we are going to look at the differences between the most commonly used Medicare Supplemental Insurance Plans F, G and N. There is a lot of confusion about Medicare Supplemental Insurance F, G and N options, also called Medigap Insurance. The Hyers and Associates team members work with these plans every day. Some policies […]
December 19, 2018
Category: Uncategorized, Medicare Supplements
Which is better? Whole or Term Life Insurance?
Blog
There are so many insurance options. How do you know what the differences are and determine which is right for you? The team at Hyers & Associates would like to end the confusion and help walk you through what the differences are between these two types of life insurance. The major difference between whole life […]
October 30, 2018
Category: Life Insurance
Guaranteed Acceptance Medicare Supplement
Blog
Here at Hyers and Associates, we are offering a guaranteed issue Medicare supplement insurance policy for our Ohio clients in 2019. So long as you have an existing supplemental policy, you can apply for this one with no medical underwriting. This is a limited time offer, so contact us today. There is only one insurance […]
October 21, 2018
Category: Medicare Supplements
Do You Need to Enroll in Medicare Every Year?
Blog
If you are not sure whether you need to enroll in Medicare every year when the enrollment period is opened, the team at Hyers & Associates is here to help. We’ve detailed information below, however, we also welcome your call anytime. In most cases, you do not need to enroll in Medicare each year. You […]
October 18, 2018
Category: Medicare Advantage, Medicare Supplements
What is the Difference Between Medicare Parts A, B, C, & D?
Blog
A, B, C & D. Sounds pretty basic, doesn’t it? Well, when it comes to Medicare parts A, B, C, & D it’s not always as obvious as you might expect. Each letter covers an entirely different part of your healthcare, so let’s break it down and take a look at what each letter covers, how […]
October 13, 2018
Category: Medicare Supplements, Medicare Advantage, Medicare Part D
Tags: medicare part a, medicare part b, medicare part c, medicare part d
5 Tips For Medicare Open Enrollment
Blog
It’s that time of the year again. The holidays will be here soon, and with that time period also comes your annual open enrollment period for Medicare. So many decisions, so little time. Let’s take a quick look at this opportunity and why you should take advantage of it. Here are 5 Tips For Medicare […]
September 26, 2018
Category: Medicare Supplements
Tags: medicare open enrollment
New Medicare Enrollment Period OEP
Blog
Medicare is restoring the Open Enrollment Period (OEP) for insurance changes. This enrollment window begins each year on January 1st and goes through March 31st. You will have options if you find yourself in a Medicare plan that does not meet your needs. This window is much different than the Annual Election Period (AEP) that […]
August 27, 2018
Category: Medicare Advantage
5 Things You Must Know About Medicare
Blog
Medicare isn’t always that simple, but with a little guidance you can make educated decisions from the beginning. Making good choices is the key to avoiding lifetime monetary penalties, enrollment delays and unnecessary medical underwriting. You can feel confident in your Medicare future by learning a few important items now. Posted below are five critical […]
August 5, 2018
Category: Medicare Supplements, Medicare Advantage, Medicare Part D