If you haven’t seen advertisements touting zero-premium plans with free health club memberships, free dental and vision and much, then you will soon! So, what’s the catch? First-off, insurance carriers are subsidized by the federal government (CMS) to administer...
What if you make the wrong decision? Let’s say you selected a plan, but then you talk to a friend or read an article and think you might have made a bad decision. Maybe you chose the wrong plan type or carrier. Maybe you feel like your decision wasn’t fully...
At some point, I’m sure you made a trip to the grocery store without a list, only to come home and realize you forgot the most important item! “Why didn’t I make a list!?” Well, an extra trip to the grocery store isn’t fun, but it’s a relatively minor...
The sad reality in this business is that many agents promote companies that compensate them (the agents) the most. Many carriers offer big incentives and bonus commissions to agents and agencies that meet certain sales goals. So, agents are instructed to show a few...
You probably know that dental and vision plans are not offered through Medicare. If you purchase a Medicare Advantage plan, then you will usually get some basic, routine dental and vision insurance. Most plans have low annual maximums and limited or no coverage for...
Early Decisions When you are first eligible for Medicare, you have some important decisions to make: Should you delay enrollment in Medicare Part B? Should you select a Medigap plan or a Medicare Advantage plan? How can you be sure to avoid penalties and make the...
Taking your time to ensure all the “boxes are checked” is very important when it comes to Medicare. Therefore, one of the most important steps is taking time with an advisor to answer a series of questions. You might think your situation is typical (and it very well...
When most people think about Medicare, they assume that one plan is pretty much just like the next. Many are surprised to learn that there are many different plans and that their specific situation makes some plans a better choice than others. An Example One of my...
I’ve been helping people with their Medicare for almost two decades, and I love what I do. It’s more to me than just a job. Not only do I get to help those that need it and establish great relationships, but I also get a great sense of satisfaction. The Medicare maze...
I was recently referred to a couple in their late 60s looking for advice on their Medicare plans. Their story is a real-life example of why it is important to work with a Medicare advisor before picking a plan during open enrollment. Case Study I learned that this...