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? Young females.
As we age, the need for regular medical testing usually increases. Thinking about what and when to be proactive is a great way to monitor changes in your body. Following are common tests that older adults should get.
The Wall Street Journal recently posted online (September 19, 2019) the estimated increase for Social Security recipients for 2020 to be approximately 1.7 to 1.8% from current. An average recipient receives $1305 a month so the increase could be approximately $27 at that level.
Often times at appointments I have clients bring in marketing pieces. Sometimes they are discount prescription drug cards. So are they really worth it?
After months of stress-filled days and busy nights, Ben needed a holiday. He decided to go on a solo trip to the Canary Islands, where he’d do nothing except lay on the sand for an entire week.
We can order anything online and have it delivered right to our door. Prescriptions are no different. We are all used to ‘mail order’ getting a 90 day supply, often for lower cost than the pharmacy. These prescriptions typically arrive in large bottles of 90 tablets or capsules. Then the issue is putting them in the ‘weekly’ containers or the struggle to take them timely.
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
I know I have discussed this before, but at the end of 2018 I experienced, again the new guidelines Medicare is now using regarding enrollment.
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.
If you were asked what your most important asset is what would that be? Your home? Your car? Maybe your retirement savings? Think harder….what allows you to have those ‘things’?
Beginning January 1, 2019, there will be a new health pan option available for individuals, known as the Farm Bureau Health Plan. Here are a few facts about the plan.
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?