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...
This generation of retirees is going to live longer than any in history. Today’s seniors are healthier, more active, and receiving better preventative care. And on top of that, a growing group of scientists is trying to harness technology and modern medicine to slow...
No matter how thorough our planning is, life inevitably tosses curveballs at us. Often these challenging moments are linked to major life transitions that affect our families, our careers, and our money. Balancing these variables can make arriving at the best decision...
A Common Scenario A busy 40 to 50-hour workweek, kids that need shuttling to and from school and extracurriculars … and a gradually decreasing metabolism. Sound familiar? Young, working couples with no kids may have more time to be active and healthy. Long morning...