Insurance Terms ‘Exchange’ and ‘Non-Captive’ Explained

November 15th, 2019

Since the enactment of the Affordable Care Act (Obamacare) many terms have surfaced to the public that weren’t commonly heard prior. Words like “exchange” and “non-captive” are insurance terms that have been around for a long time. They aren’t anything new and in fact they are widely known terms in

Attention BCBS Legacy Plan Rate Owners!!

July 19th, 2016

If you have been notified by BCBS that you will be subject to a rate increase, it is important to understand that YOU DO HAVE OPTIONS!! Most folks who are between the ages of 65 and 85 can acquire a Medicare Supplement policy from a different carrier at a lesser

Stop Wasting Time & Money Using a Captive Insurance Agent

July 16th, 2014

Buying insurance can be such a hassle to do because it’s an industry associated with lies and fabrication, rather than honesty and ethics. Typically a “captive” agent is worried about earning their next free vacation to the Bahamas, not about what’s best for the client. That’s why it’s very important

Is Medicare Viable: Will Medicare Last?

June 25th, 2014

Nobody can say for sure whether Medicare will sustain forever. However based on collection of relevant statistics we can form our own opinions about the viability of Medicare in the United States. Some of these numbers may shock, surprise and if you’re a senior, even downright scare you. Medicare already

Your Medicare Plan May Cover Bone Density Tests Crucial to Diagnosing Osteoporosis

May 22nd, 2014

May is National Osteoporosis Awareness and Prevention month which is why it’s only fitting that we explain some common information relating to Osteoporosis that we have gathered. According to the Surgeon General’s 2004 Report “Bone Health and Osteoporosis: A Report of the Surgeon General,” hip fractures are expected to triple

The 3 Most Costly Mistakes Medicare Insurance Buyers Make

March 17th, 2014

The undeniable truth about Medicare is that the whole process is confusing. There’s the supplemental plans, the “Advantage” plans, the Part D options….and enough acronyms to drive a sane person crazy. Add to that the growing number of insurance agents pounding on your door, the pile of confusing mail and

An Objective Approach to Medicare Education

November 25th, 2013

People think they know all about Medicare, until it comes time to enroll. Then the mass of misleading and confusing content, overwhelming sales people and fine print come into play. There’s a point where every Medicare beneficiary needs a class in Medicare University, and if you watch this series of

The Government is Cracking Down on Medicare Fraud

November 20th, 2013

Today, I discovered this article from the Chicago Sun Times and it brought my attention to a developing trend under the topic of Medicare. I was amazed to read about all of the convicted counts of Medicare fraud that have recently popped up in the media. It got me to

Four Tips to Prepare You for This AEP (Annual Enrollment Period)

September 6th, 2013

The AEP is different this year, pay attention to date changes In years past, the Annual Election Period ran from Nov 15- Dec 31. Beginning in 2012, CMS changed moved the enrollment period to its current timeframe of Oct 15- Dec 7. This 8-week stretch is the opportune time to

How Does Medicare Participation Work?

August 19th, 2013

Breaking Down Medicare Contractual Obligations of Physicians The world of Medicare can be very confusing for the average senior- it’s tricky language, underlying politics and ambiguity makes it difficulty to fully grasp. Finding a participating doctor can also be a daunting task- especially when the participation isn’t very clear. There