How Will Obamacare Impact Medicare?

The Medicare program that provides health insurance to seniors faces a dire financial future.  And Obamacare is making it worse. Medicare’s Part A trust fund is projected to be insolvent by 2026 and the total program has a long-term unfunded obligation of more than...

8 Things to Know About Medigap Policies

You must have Medicare Part A and Part B. If you have a Medicare Advantage Plan, you can apply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins. You pay the private insurance company a monthly premium for...

What’s a Medicare Supplement?

A Medicare supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. Some Medigap policies also offer coverage for services that...

Who Is Insurance Brokers Direct?

​In today’s environment, a growing number of informed consumers are approaching their retirement.  Retirees who worked in corporate America, were self employed, worked for a business that did not provide an employer-sponsored health insurance plan, or people who...

Why an Independent Agent or Broker?

When shopping for insurance, most people are unaware that there are different kinds of agents they can work with. Choosing the right one can make a big difference in securing the best combination of price and value. With a captive insurance agent, you only get the...