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understanding changes in health insurance

The rules, regulations and restrictions of medical insurance can change a lot over short periods of time. What may be covered this year may not be next year. The premiums that you are paying this year could double next year. How much do you pay out of pocket before your insurance picks up the expenses? Do you have an out of pocket limit to meet before your insurance covers anything? Our blog will help you gain a better understanding of how your insurance works to protect you and assistance in reading the documents you receive to alert you of upcoming changes on your health insurance policy.

Have Original Medicare? Signs You May Need A Medicare Supplement Plan

28 December 2020
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If you meet certain qualifications you automatically become eligible for Original Medicare. You may be aged 65 or older, be disabled, or have end-stage renal disease (ESRD.) Each of these conditions places you in a position where you can receive Original Medicare. However, Original Medicare typically only covers hospitalization and listed medical protections. This insurance might not be sufficient enough to meet your needs. Read through the information below so you can begin to determine if you should take out a Medicare supplement plan. Read More …

Why Is It Important To Have Health Insurance?

27 May 2020
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Health insurance is offered by insurance companies. When you need medical treatment, your insurance will pay for a portion of the cost. You can choose to purchase health insurance through your employer's plan or to purchase it on your own. Whatever you do, make sure you're always insured. Here are four reasons that you absolutely need health insurance. 1. Receive necessary preventative care. If you only go to the doctor when you're sick, you're missing out on vital preventative care. Read More …

3 Factors To Consider When Choosing A Health Insurance Plan

19 June 2019
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Health insurance is important for many reasons. Not only does it reduce your out-of-pocket costs if or when you and family members become ill, but it also aids in preventative care, improving your overall quality of health and wellness. In addition, having the right type of health insurance coverage gives you peace of mind. Unfortunately, most people do not fully understand their coverage and what type of coverage is right for their needs. Read More …

What To Know Concerning Long-Term Care Coverage

14 May 2017
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When suffering from a serious medical problem, many people lose the ability to care for themselves. Those suffering from serious medical problems may require long-term care facilities to help them enjoy an acceptable quality of life. Sadly, this type of care can be fairly expensive, and you will want to make sure that you are following some tips to help you choose an insurance policy that will provide ample coverage. Read More …

Worried About Your Medicare Coverage After Your Spouse Loses a Job? What Should You Know?

25 April 2017
 Categories: , Blog

If you're like many dual-income couples, you and your spouse may be planning to retire at different dates. Whether due to a variance in ages, job duties, earnings, or simply one spouse's desire to keep working, many individuals may precede their spouse in retirement by anywhere from a few months to a decade or more. However, when it comes to your Medicare insurance coverage (and supplemental coverage), depending upon your working spouse's healthcare coverage can sometimes be a risky -- and complicated -- prospect. Read More …