Michael M Insurance Services Blog

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 with the Centers for Medicare and Medicaid Services(CMS). He has helped thousands of people transition to Medicare and their...

Medicare Parts A, B, C and D

Medicare Parts A, B, C and D

Medicare is made up of 4 parts, 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," Hospital Part A and Medical Part B. Hospital Part A-  Is an admitted hospital stay (Not the...

Where Did Medicare Come From?

Where Did Medicare Come From?

Medicare was created as part of the 1965 Amendments to Social Security  that created Medicare and 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 any age...

Identity Theft

Identity Theft

Identity Theft is very real 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...

The Captive Agent

The Captive Agent

The Captive Agent is an agent that is employed by the individual Insurance Company. While the captive agent is probably honest and governed by standards set by the carrier, here are a few things to take into...

Preferred Pharmacy

Preferred Pharmacy

What is a Preferred Pharmacy? A Preferred Pharmacy is a pharmacy that has an affiliation or arrangement with a specific Health Plan/Part D Plan. When a Pharmacy is preferred it will have a lower copay for a medication then other pharmacies in the area. If you are...

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