Employer Coverage Tool

Employer Coverage Tool

Many of us are continuing to work, and we get our insurance Coverage from our employer coverage tool even though we are turning 65 and Medicare eligible. Here are some things to consider. Do I Have To Go On Medicare?Maybe. The first thing to consider is Whether my...
Does Medicare Cover Medications?

Does Medicare Cover Medications?

Does Medicare Cover Medications? Yes and No Medicare does not cover most of the medications that are filled at a pharmacy. However, you can enroll in a Medicare Part D Prescription Drug Plan, which is offered by private insurers and goes with “Original Medicare,” or...
Medicare Advantage or Medicare Supplement?

Medicare Advantage or Medicare Supplement?

What works best? Well, that depends. For starters Medicare Supplement, there is no “Better.” Since there is no one-size-fits-all plan it depends upon an individual’s personal health needs. Both plans offer coverage to help limit the cost exposure to having...
What Is Medicare?

What Is Medicare?

For starters, it is a Federal Health Insurance program that came about in 1965 due to a Bill signed by then President Lyndon Johnson to go with Social Security. The original program provided coverage for the Hospital (Part A) and Medical (Part B) which is why these...
What If I Don’t Want To Sign Up For Medicare?

What If I Don’t Want To Sign Up For Medicare?

Sign Up or Not Sign Up- Most individuals turning 65 will have to enroll in Medicare, while others may delay it if certain conditions are met. Which one are you? ​Some individuals elect to continue to work and are covered by their employer or their spouses. The size of...
What Does Medicare Cost?

What Does Medicare Cost?

Certain Parts of Medicare Have A Monthly Cost And Some Individuals Will Pay More Than Others- The Original Medicare Cost consists of Part A Hospital Coverage and Part B Medical Coverage. For most people, Part A is Free. Part B has a Base premium of $174.70, but some...
Can I Get Medicare Before Turning 65?

Can I Get Medicare Before Turning 65?

Yes, If Certain Conditions Are Met- You can qualify for Medicare Before Turning 65, Medicare Part A, and Medicare Part B before attaining age 65. For individuals that have a qualifying Disability, Medicare Before Turning is available. These individuals must have...
RR Medicare Provider Enrollment

RR Medicare Provider Enrollment

RR Medicare Provider Enrollment RR Medicare Provider Enrollment in Medicare is not something to be taken lightly. If an individual is currently covered by an employer with over 20 employees, then they don’t have to sign up. If their employer has less than 20...
Pinnacle Health Savings Account (HSA)

Pinnacle Health Savings Account (HSA)

Pinnacle Health Savings A Pinnacle Health Savings Account (HSA) is a type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. By using untaxed dollars in a Health Savings Account (HSA) to pay for deductibles,...
Medicare Advisor Mike

Medicare Advisor Mike

Medicare Advisor Mike Medicare Advisor Mike is actually a broker located in Bay Shore, NY, licensed in the state of New York (and several other states), and certified by the Centers for Medicare and Medicaid Services(CMS). He has helped thousands of people transition...
Medicare Parts  A, B, C and D

Medicare Parts A, B, C and D

  Medicare Parts are divided into A, B, C, and D. Each letter designation represents a different area of medical coverage. It all begins with what is known as “Original Medicare Parts,” Hospital Part A, and Medical Part B. Hospital Part A-  It covers...
Where Did Medicare Come From?

Where Did Medicare Come From?

Medicare was created as part of the 1965 Amendments to Social Security that created Medicaid. Medicare is Health Insurance Coverage (Hospital Part A and Medical Part B) for people 65 or older, certain people under 65 with disabilities, and people of any age with End...
Identity Theft

Identity Theft

Identity Theft is genuine, and seniors are particularly vulnerable. When your turning 65 your on a list and entities are out there with one mission, sign you up for a plan and get paid. While these are probably legitimate, it’s easy to lose track of who’s...
The Captive Agent

The Captive Agent

The Captive Agent is an agent employed by the individual Insurance Company. While the captive agent is probably honest and governed by carrier standards, there are a few things to consider.1) The Captive Agent only represents one plan, the one he/she is employed with....
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