• Medicare

    Don’t Fail to plan for pre-existing conditions

    Don’t fail to plan for pre-existing conditions, you may not always be as healthy as you are now. You may assume the Affordable Care Act prohibits an insurance company from excluding coverage due to pre-existing conditions. This is not so in certain situations. This potential coverage gap may occur when one first becomes eligible for Medicare at age 65. At that time, you can choose between two alternatives: Traditional Medicare, where you elect to be covered by Parts A, B and D. The advantage of this election is that you can choose any health care provider that accepts Medicare. In this case, it’s also important to purchase a Medigap Plan…

  • Medicare

    Medicare Select Plans

    Don’t get excited by the low premium showing for Medicare Supplement Plans under the Medicare Select title. These Medicare Select plans are a low-cost type of Medicare Supplement plan that must offer the same coverage’s for each letter plans (F, G, N) but does so by using a limited network of hospitals and doctors selected by each insurance company. If you go outside the network, except for emergencies, expect to pay considerably more than what your plan will be willing to pay. Additionally, plan members must get referrals from their primary care providers to see a specialist or be treated at a hospital outside the Medicare Select network. Medicare Select…

  • Medicare

    AFLAC Supplemental

    Beginning soon I will be able to offer my current and future clients a full suite of AFLAC Supplemental products. This includes Accident Insurance, Critical Illness Insurance, Cancer Insurance, Hospital Insurance and Short-term Disability Insurance among others. Boasting 24 hour turnaround on claims and a 1 day pay out on approved claims. I’ll post an update after October 1st, once I know more regarding the details of products available.

  • Medicare

    Can I drop my Medicare?

    Can I drop my Medicare? I don’t get this question often, but it has come up. Major life events happen at any age. I have a recently married couple, she’s 59, he’s 66. She has a generous health plan through her employer. He did have Medicare Parts A, B and D, coupled with a Medicare Supplement. They questioned if it was possible for him to drop his Medicare coverage and enroll on her employer plan? And if so, could he than go back on Medicare once she retires without any trouble or penalties? Short answer is yes. When this was brought up, my first question was “how many full-time employees…

  • Medicare

    The Top Drugs for Older Adults to Avoid

    The top drugs for older adults to avoid. You fill a prescription, a medication you’ve relied on before. A few days later, you experience a troubling side effect. You read online that no one your age should take this medication. What happened? Drug Side Effects and Older Adults Two pharmacists say the aging process is to blame, and they reveal here the names of medications on their “black list” that older adults may want to avoid. “Prescribing medications for people 65 and older can be more challenging, because some drugs can be more toxic or cause more side effects than when you were younger,” says Kirby Lee, a pharmacist and…