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 [...]

Social Security Benefits, what you should know.

April 16th, 2020|Social Security Benefits|

The United States Social Security Administration (SSA) is an independent agency of the U.S. federal government that administers Social Security, a social insurance program consisting of retirement, disability, and survivors benefits. Social Security is financed through a dedicated payroll tax. Employers and workers each pay 6.2% of wages up to the assessable limit of $137,700 (in 2020), while the independently employed people pay 12.4 %. You are contributing to the Social Security fund over a lifetime of work.  You receive "credits" toward your Social Security while you work and [...]

Medicare when you are turning 65, where to start?

April 16th, 2020|Medicare|

We strongly recommend starting Medicare planning at least three months before turning 65, so you have time to apply for Medicare Parts A and B, get together all necessary information you need for social security administration, and start to shopping around for the right plan.  When it comes to Medicare, each situation is unique, so one senior situation is different from another senior. So, who is eligible for Medicare? Us citizen or permanent resident for 5 for at least five continues years or more is eligible for Medicare, Medicare [...]

Memorial Sloan Kettering Cancer Center (MSK) and Medicare

April 8th, 2020|Medicare|

Founded in 1884, Memorial Sloan Kettering Cancer Center (MSK) is the world's oldest and most significant private cancer center. For more than a century, Memorial Sloan Kettering doctors, researchers, nurses, and staff have been united by a relentless dedication to one purpose: conquering cancer. MSK is rated as one of the top cancer clinics in the nation, according to U.S. News & World Report. The close collaboration between MSK's doctors and researchers is one of its biggest strengths—ensuring that medications and therapies developed in the lab can be moved [...]

Medicare Supplements vs. Medicare Advantage: 4 Point Guide

April 8th, 2020|Medicare, Medicare Advantage, Medicare Supplements|

The #1 question we get from clients new to Medicare or retiring, and are looking at options for secondary insurance is, what is the difference between a Medicare supplement (aka Medigap policy) and a Medicare Advantage Prescription Drug plan (aka Part C) plan? Minor differences will exist in each regional market, but here we will discuss the general pros and cons of Medicare supplements vs. Medicare Advantage plans. Network With Medicare supplements, you generally have greater freedom with choosing your doctors, hospitals, or facilities. When you get Medicare Supplement [...]

Federal Employee Health Benefits (FEHB) and Medicare

March 31st, 2020|FEHB, Health benefits, Medicare|

The big surprise with the US Postal Service Medical insurance for retirees.  As a Medicare Broker servicing Brooklyn, Queens, Manhattan, Staten Island, and Long Island here in New York, I did a research on Medicare coverage for Post Office retirees. I have conducted many interviews and here what you need to know! In our industry, we must take a lot into considerations before recommending and enrolling our prospects into Medicare Advantage, Medicare Supplement, and Prescription Drug Plans. Everything should come into consideration from the compliance standpoint, and our prospects [...]

Do you need to have Medicare when you have VA benefits?

March 27th, 2020|Medicare, Veterans benefits|

Reading time: 4 min 9sec. You can have both Medicare and Veterans Administration VA benefits but, Medicare and the VA benefits do not operate together. Medicare does not compensate for any care that you receive at the VA facility. For your VA coverage to cover your care, you must generally receive health care services at the VA facility.  Medicare and VA Benefits does not need a coordination of benefits, and it is completely two different systems.  Your VA benefits coverage may change in the future, or you may even [...]

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