There are so many things to consider, when planning your retirement and one of the big ones is what you are going to have for health insurance. If you are 65 years old, or older when you retire, you may be looking at a Medicare solution. Unless you have had personal experience with a loved…
If you’ve listened to the news lately, you may have heard about some big medical insurance carriers pulling out of Obamacare. It’s true: Aetna, UnitedHealthcare and Humana are all reducing their presence in the Healthcare Marketplace (Obamacare) significantly. UnitedHealthcare and Humana led the way the first half of the year, and now Aetna has announced…
I joke with my clients that the first rule of choosing a Medicare Insurance Plan is to never listen to their friends! There are more choices available than many people realize, and Medicare options are extremely customized. One size definitely does not fit all! Medigap Plans for all walks of life Let me tell you…
Happy Spring! Very soon new life will be springing up all around us. Flowers peeping their purple and white heads up, bright green leaves on the trees and birds feathering their nests in anticipation of their new broods. For a young couple building their home and family, life insurance may seem like an expense they…
Christmas time is upon us! Although the weather has been unusually warm and yards are still green, it’s hard to deny the Christmas spirit in the air. From glittering lights to warm smells wafting from the kitchen, it’s easy to look forward to the time of celebration with our loved ones. This is a wonderful…
Today, many of you will find yourselves in the kitchen preparing food, while others of you may be finishing up at work before hitting the road to spend time with family. It’s certainly a day filled with anticipation! Good food and full bellies are on the horizon. Football games and photo albums will be present…
The 2016 Open Enrollment for the Affordable Care Act (ACA) begins on November 1, 2015. This means that everyone who currently buys their own (non-group health insurance) has a chance to change plans—and even insurance companies—for 2016. Open enrollment for 2016 plans runs from November 1, 2015-January 31, 2016. Here are some helpful tips: If you…
Annual Election Periods (AEPs) for Health Insurance for 2016 are fast approaching! If you have a Medicare plan or an Affordable Care Act Plan (Obamacare), you have a window of opportunity that you’ll want to take advantage of. Enrollment for Medicare plans is coming up first, so we’ll discuss that this month. Medicare open enrollment…
“Do I need to do anything with Medicare? I’m turning 65 soon” As is common of insurance questions, the answer is a definite maybe. There are various scenarios for people turning 65, and your specific situation will dictate the answer to this question. Here are a few scenarios: 1.) “I’m turning 65 and do not have creditable…
Back in the day, many American workers anticipated that when they turned sixty-five, they would retire. I remember hearing my folks and their friends talk about what they would do when they retired. They were going to get the gold watch, collect their retirement pensions and social security and finally have some time for themselves….