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Obamacare v Republican plan compared
Republican politicians have campaigned on repealing President Barack Obama's healthcare reforms pretty much since they were enacted in 2010. Now, with a governing majority, they've had to come up with a replacement plan - a task that has proved much more challenging...
Plan F vs. Plan G: Which Plan Should I Choose?
Which Medicare Supplement Plan is Better? Plan F or Plan G? Plan F vs. Plan G… This is a question that we hear all of the time. We understand – it’s confusing. First, let’s deep dive a bit into what each plan covers. Medigap Plan F Plan F offers the most comprehensive...
How are Medicare benefits changing in 2017?
Q: How are Medicare benefits changing in 2017? A: There are several changes for Medicare enrollees in 2017: Part B premiums Premiums for Medicare Part B will be will be higher in 2017 than they were in 2016. For about 70 percent of enrollees, the average increase is a...
Congress is doing WHAT to the plan F supplement?
Medicare beneficiaries often buy “Medigap” insurance that pays for many of regular Medicare’s deductibles and copayments. But as a result of legislation just passed by Congress, starting in 2020 Medigap plans will no longer be allowed to offer coverage of the...
2015 Medicare Trustees Report projects large increase to Part B deductible
The 2015 Medicare Trustees report was released last week with the news that the long-term outlook of Medicare has improved overall. In addition to the numbers and explanations for this improvement, there is also an interesting piece of information found in the report...
Can Medicare Advantage survive PPACA
Across America, agents are waiting with considerable anxiety to see what the 2014 Medicare Advantage plans will look like. While there’s a high level of interest every year in what the new plan designs will look like, this year is perhaps the most anticipated in...
Take two Senate seats, then repeal Obamacare
Two primary care physicians are so concerned about the future of health care in the United States that they've written a prescription for repealing Obamacare: Run for the Senate. Dr. Annette Bosworth, who operates a private practice in Sioux Falls, S.D., announced...
Five Quick And Important Facts On Health Insurance Through Obamacare
The year is flying by and beginning in 2014, you’ll be required to have health insurance coverage. There is still significant confusion on how insurance will be bought and sold, and how much it will cost. In this post, I discuss five quick facts you need to know to...
What’s Your Chances of Dying?
Curious to know what your chances of dying a certain way are? Below are 25 different ways we can leave this world and enter another. Heart disease 1 in 6 Cancer 1 in 7 Stroke 1 in 29 Motor vehicle incidents 1 in 98 Intentional self-harm 1 in 109 Unintentional...
Need Help Paying For Prescription Drugs On Medicare?
The Part D benefit which provides prescription drug coverage to Medicare beneficiaries offers financial assistance known as Extra Help or LIS (Low Income Subsidy) to those with limited income and assets. If you are eligible for Extra Help or LIS (Low Income Subsidy),...
What Happens If You Don’t Sign Up For Obamacare?
What Happens If You Don't Sign Up For Obamacare? Here's What Happens If You Don't Sign Up For Obamacare The bottom line: It's up to you whether or not you can afford to skip out on health care. If you choose not to enroll into a plan, then you'll be assessed a fine...
Medicare Advantage vs. Medicare supplement or Medigap
What's the difference between a Medicare supplement (Medigap plan) and a Medicare Advantage plan? I've heard both described as insurance that is "supplemental" to Medicare. There are very big differences between these two types of insurance, although both are options...
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 Original...
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 just...
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...
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