Medicare Annual Enrollment Period

October 13th, 2020|Medicare|

When to Apply for Medicare There are numerous times to enroll in Medicare, and each of those times has specific guidelines around applying and when coverage will begin. Comprehending when to enroll and the best time to do so is an essential part of getting Medicare. Preliminary Enrollment Period The Initial Enrollment Period (IEP) is the first time to sign up for Medicare and sign up with Parts A, B, C, and D throughout this time: 3 months before 65th birthday, Birthday month, and 3 months after the birthday. [...]

Medicare and Vision Coverage

July 14th, 2020|Medicare, Vision Coverage|

If you're a Medicare beneficiary trying to find Medicare coverage of routine eye exams or glasses, don't want Original Medicare, Part A, and Part B, for these advantages in many scenarios. Original Medicare doesn't cover routine vision care. Medicare Part A Medicare Part A covers vision care just when the vision condition is thought about a medical problem - as in a medical emergency condition or terrible injury when the beneficiary must be accepted to the hospital. Medicare Part A does not cover regular vision tests and eye refractions. [...]

EPIC vs. Extra Help. Am I eligible for both

June 17th, 2020|EPIC, Extra Help|

When you are eligible for Medicare, you might qualify for a couple of different Programs administered by State or Federal Government. Sadly, when you go to your local Social Security workplace or contact Medicare, no one tells you about it. Nobody advises you that such programs exist, and no one assists you to send an application. Generally, there are qualifications for any of these programs. Numerous people certify for these substantial cost savings and do not even know it. What is EPIC? The Elderly Pharmaceutical Insurance Coverage (EPIC) Program [...]

Who can get SSI and when?

May 26th, 2020|Social Security Benefits, SSI|

Supplemental Security Income (SSI) is a Federal earnings supplement program funded by basic tax incomes. Both adults and children can be eligible for this federal program if they meet the definition of disabled and have limited income and resources. It is designed to help aged, blind, and disabled individuals with little or no income. It offers cash to satisfy essential requirements for food, clothes, and shelter. Child Definition Under Social Security definition, a child is counted handicapped if the child's physical or psychological problems(s) is so extreme that it [...]

Can I still enroll in a Medicare Supplement Plan F, or is it going away? If so, what are my options?

May 11th, 2020|Medicare, Medicare Supplement Plan F, Medicare Supplements|

This has been one of the main topic discussions between agents and Medicare beneficiaries in 2020. According to legislation from the 2015 Medicare Access and CHIP Reauthorization Act (MACRA), insurance companies would no longer be able to offer Medicare Supplement plans F and C starting on January 1st of 2020. Does that mean that beneficiaries can no longer enroll in those plans? The answer is yes, and no! Before we answer that question, let us talk a little more in-depth about Medicare Supplement part F. Besides being one of [...]

ABC’s of Fixed Annuities

May 6th, 2020|Fixed Annuity|

DO ONLY BANKS GUARANTEE MONEY? The simple answer, NO! There are numerous products that, when our clients walk into a bank purchasing, walking out are NOT GUARANTEED! Like Mutual Funds, Stocks, Variable Annuities…the list goes on and on. So, what is a Guaranteed Money product Retirees, Pre-Retirees, and simply individuals who do not want to risk their money to the market, FIXED ANNUITIES? Fixed annuities have been around for over 100 years and probably will be around for another 100 Years.   ABC’S OF ANNUITIES So, what exactly is an [...]

Why Medicare Beneficiaries Need a Licensed Agent?

May 4th, 2020|Medicare, Medicare Licensed Agent|

Medicare is notoriously complicated, so we heard from some of our clients. Some of them used to work in healthcare admin themselves, but that does not prevent them from drowning in the complexity that is Medicare. It is not just keeping tabs on your deductibles, copays, coinsurance, and enrollment periods; for new Medicare beneficiaries, now you have the new job of understanding your Part A, Part B, Part D, and supplemental insurance. Sure, more and more seniors now are internet savvy and are empowered to do their research online. [...]

Does Medicare Cover Eyelid Surgery or Blepharoplasty?

April 21st, 2020|Cosmetic Surgery, Medicare|

Typically, Medicare does not cover plastic surgeries such as eyelid surgery or blepharoplasty; however, let's enter into the little subject dipper. Eyes, this is the very first thing that individuals take notice of in a discussion. A bright appearance, lovely shapes will bring in attention. Sadly, for numerous factors, the skin in the eye location might lose its previous beauty. One in 3 seniors, by the age of 65, have some vision-impairing eye condition. While eye issues and eye illness end up being more widespread with age, lots of [...]

Prescription Drug Coverage for Medicare recipients

April 20th, 2020|Medicare, Medicare Advantage, Prescription Drug Coverage|

Among the most crucial, delicate, and more significantly made complex ways about Medicare in primary has to do with prescription drug coverage. Now, to start with, Original Medicare does not cover prescription drugs! How is it covered then? Original Medicare will cover drugs that are administered by a physician at a medical center, for instance, chemotherapy drugs, intravenous drug treatments, and numerous others. However, when it involves prescription drug coverage, it gets a lot more information and complicated, and our task as representatives is not just assisted customers comprehend [...]

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