As independent insurance agents, we have acquired an abundance of knowledge, and we’re eager to share this expertise with you in the form of articles and blog posts.
Health insurance is a specific kind of insurance that usually pays for medical, surgical, and prescription drug
What Does Original Medicare Cover? Original Medicare is broken into two aspects: Medicare Part A and Medicare Part B. Medicare Part A is hospital insurance, which typically covers inpatient care in a hospital, nursing home care, home health care, hospice care, and skilled nursing facility care. Medicare Part B is medical insurance, which typically covers …
Unfortunately, Medicare recipients are often targeted by Medicare scams. According to some reports, scams occur more frequently around the Medicare general enrollment period (usually January 1st to March 31st each year). What Are the Common Medicare Scams? Common Medicare scams include: Attempts to verify your identity by asking you to provide identification to receive a …
As an American citizen or lawful permanent resident of at least five years, you become eligible for Medicare benefits when you turn 65. Three months before the month of your 65th birthday, you can start enrolling in Medicare. Enroll within your Initial Enrollment Period to avoid late enrollment penalties. You can reevaluate your coverage every …
Medicare is full of confusing terms that may throw you off. The best way to understand Medicare is to break down every term: that way when you see them used in official sources, you can follow along. Here are five Medicare terms you should know. Coinsurance You can expect to pay coinsurance for Medicare Part …
There are a lot of misconceptions when it comes to Medicare. Some of the biggest comes down to who is covered by Medicare, what it covers, and whether or not you need to enroll when you turn 65. Medicare Covers All of Your Healthcare Needs The fact is, Medicare only covers your basic healthcare needs. …
Changes to Medicare were a key point of contention when the Affordable Care Act (ACA) was in legislation. Some of the biggest changes as a result of the act include cost savings for Medicare Advantage insurance companies, caps on the cost of prescription drugs within the coverage gap, higher premiums for people with high incomes, …
The coronavirus pandemic has had a tremendous impact on the daily lives of millions of Americans. If you feel you may have contracted the disease, you may be considering getting tested for the virus. But will your health insurance cover COVID testing? Keep reading to find out. Insurance and COVID Tests If you have health …
If you have the Original Medicare health insurance plan, you might find gaps in your health coverage that you want to address. Fortunately, there are options to help Medicare beneficiaries supplement or replace their Original Medicare. There are two options: Medicare Advantage (an alternative way to get Original Medicare) and Medicare Supplement Plans (plans that …
Institutional Special Needs Plans (I-SNPs) remain a small part of the overall Medicare Part C landscape, but they are quickly rising in popularity. I-SNPs Explained This is a Medicare Part C plan that is exclusively designed to provide dedicated care coordination to a particular individual – this means I-SNP benefits are designed for those with …
Special Needs Plans (SNPs) are a type of MA (Medicare Part C) plan that restricts enrollments to those who meet certain eligibility conditions. The plans provide benefits that serve the certain health needs of its members. There are three types of Special Needs Plans available: Chronic-Condition Special Needs Plans (C-SNP), Institutional Special Needs Plans (I-SNP), …
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