Medicare Open Enrollment period kicks off October 15 and continues through December 7. During this time-frame, most Medicare beneficiaries can make necessary changes to their health and drug coverage options. If you missed your Initial Enrollment Period in October or qualify for a Special Enrollment Period, now is your only chance to enroll for Parts...
Over 4.4 million Texans currently enroll in Medicare, the federal health insurance program designed for people 65 or over. People younger than 65 with qualifying disabilities such as end-stage renal disease or amyotrophic lateral sclerosis may also qualify. Original Medicare provides several choices for coverage options, from Parts A through D to Medicare Advantage plans...
Original Medicare (Parts A and B) is free for most people who qualify, depending on their or their spouse’s work history and/or income levels. Individuals with higher incomes may have to pay a premium for Part A coverage. Part B provides coverage for doctor visits and outpatient services as well as durable medical equipment and...
Selecting the ideal Medicare Supplement plan may seem daunting at first. With ten standardized plans available and coverage varying depending on individual healthcare needs and budget constraints, selecting one may seem impossible. There are 10 Medicare supplement policies, each offering its own set of standardized benefits (plans A through N; Massachusetts, Minnesota and Wisconsin also...
Which Medicare supplement is best for you? Choose from the most popular supplements--Plan F, Plan G, and Plan N, but only one is the best. Get the best supplement with the insurance company with the lowest premium and the one that has had the lowest rate increases.
Who really wants to think about dying? Buying life insurance means we must face our own mortality and that can be scary. For anyone considering a life insurance policy to protect family and loved ones, we have created the Life Insurance Buyers Guide for . Life Insurance Buyers Guide Most of us push it out...
Claeys Group Insurance Services has been named a top life insurance agency in Tyler, TX by Expertise.com , an independent rating agency that rates financial stability and customer satisfaction. This leading life insurer offers a wide range of coverage options, including term, whole and universal life policies. They also offer a variety of riders...
The Challenge of Rising Premiums If you have a Medicare supplement, it is likely because you want great coverage and want to be able to choose your own doctors. Medicare supplements typically offer very good coverage with little or no out-of-pocket cost when you use your supplement. (However, see Which Medicare Supplement Best for You?)...
So, which IS the best insurance company when it comes to a Medicare supplement? The simple answer is: There is NO best insurance company when it comes to a Medicare supplement. Why is that?
Original Medicare has significant gaps of coverage than can leave the person on Medicare with significant out-of-pocket costs. So when one turns 65, he or she may have several options from which to choose to protect himself from those gaps, such as: Employer Coverage that does not work with Medicare, Employer Coverage that does work with Medicare, Medicare Supplements, and Medicare Advantage Plans. It is important to meet with an experienced, objective agent that looks out for your needs in order to provide the best guidance. While it’s nice to have options, those options only benefit you if you choose the best one for your situation. Thus, it is wise to do comparisons on your situation. To make sure you make a wise choice, sit down with an experienced, independent agent (one who represents many insurance companies and plans) who will put you first. For it is only an advantage to have choices if you can make the wisest choice among those options. Happy shopping!
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