This morning I met with an existing client of mine whose wife will be turning 65 in October so we set up her Medicare plans today in about 30 minutes. The two of them live on the border of Huntington Beach and Seal Beach and close to the water. From what they’ve described, they are […]
Folks, I have to admit…I’m struggling to get back into the swing of things in the office after being in Hawaii last week. I think I’ve almost got my momentum going again but being on island time for even a week is difficult to get over. I was just reflecting on my trip and thought […]
Many Americans choose to continue working past age 65. According to the Bureau of Labor Statistics, 36 percent of 65-to-69-year-olds will be part of the labor force by 2024. Some do it because they love to work and love what they do and some do it out of necessity. With pension plans becoming a thing of the […]
The Original Medicare benefits are a great start. They give people tremendous freedom of choice however, there are some major gaps in those benefits. Medicare doesn’t pay for everything. Usually people will add on Supplemental/MediGap plans to help pay for those gaps in Medicare. These Supplement plans are offered by private insurance companies and the […]
The other day I had a meeting with a new couple looking to come off their employer insurance and go onto Medicare. Going into the meeting, one of the two had the idea that they will just enroll into Original Medicare which is made up by Part A (Hospital) and Part B (Medical) without adding […]
Today we’re going to be going through how you can search for the most cost-effective Medicare Part D plan. What we do as an insurance broker is we actually use the Medicare.gov website to search for our clients prescription drug plans In California, there’s actually 30 different prescription drug plans (as of 2019) so it […]
A few weeks ago, I was at a tux shop looking to rent a suit and as I arrived I realized I didn’t know what to expect and what the protocol was. What questions should I be asking? What does the process look like? What deadlines do I need to be aware of? And most […]
We get questions all the time about what the Medicare donut hole is. The donut hole is a gap in the prescription coverage under Part D of Medicare when the total costs of you prescriptions throughout a given year reaches $3820 (2019). That is a combination of what you have paid out of your pocket […]
Today, we are going to be covering how you can find out if your doctor takes Original Medicare. If you have Original Medicare as your primary insurance and have added on a Medicare Supplement plan (regardless of what insurance carrier you have), there are two ways that I’m aware of that you can find out […]
Here is how you can try out a Medicare Advantage plan using what are called Trial Rights. There are two main trial right that you can use to try out a Medicare Advantage plan and you can still go back and get a Medicare Supplement Plan in the future with no medical underwriting questions. The […]