Graduations are in full swing and as parents we are all looking toward these kids’ futures. Whether they are heading to Trade schools, colleges, maybe straight to the work force or a discussion of a year off is in play or whatever the ‘next step’ may entail, we—the parents—should also think about these young adults’ health insurance. Read More
Medicare Supplement Plan F is one of the most popular supplement plans on the market—and has been for decades. Seniors looking to avoid out-of-pocket costs, including the Part B deductible and excess charges often turn to Plan F for benefits on day one. But if Plan F is so popular, why is it being phased out in 2020? Read More
Silver Sneakers is a program that many of the Medicare Advantage plans offer. This additional benefit to the medical and prescription drug coverage offer a basic membership at many locations throughout the US as well as offering FLEX classes within the community or specific cardio, strength and range of motion or circuit training for all levels of ability. It’s an opportunity to workout and meet others that are working toward better health.
As we ease into October cooler weather, falling leaves and pumpkins, Medicare clients anxiously await the federal government’s decision on Social Security increase, Medicare Part B premium and any additional changes related to these two. How about we dust off the crystal ball and take a look.
Wellmark Blue Cross Blue Shield of Iowa covers more Iowans than any other health carrier in the state. If you are covered by Wellmark, did you know they have a health program called Blue365?
The Affordable Care Act(ACA) is the law that has set the guidelines for individual and group health insurance benefits since 2010. One of the aspects of the law was that if an individual or group was enrolled in a health insurance plan prior to January 1, 2014, that plan could be kept – as long as there were NO changes to the plan design.
Often, I receive inquiries from individuals wanting to purchase Short Term Disability on an individual basis. Typically, carriers will not offer short term disability individually as it is not cost effective. Standard short-term disability benefits start either first day for injury or illness or often first day injury and seventh day illness. Can you guess who is traditionally most interested in this benefit? Read More
As the new year started, I watched the AFLAC duck attempt yoga on a tv commercial. AFLAC has done a great job at marketing with the duck. But I wondered, do people REALLY know how supplemental benefits work. The next couple months I will do a series of articles on the different carriers, defining the types of benefits available on a voluntary basis, how the plans are implemented and how benefits are paid. This first month, will focus on supplemental benefit basics.