medicare plans disabled people under 65

Medicare Plans for Disabled People Under 65

It’s something we may not want to think about; however, we have to. What would you do if you could no longer work because you suffered an injury or were diagnosed with an illness? You still have bills, maybe a mortgage, and your family to take care of.  The good…
life insurance for my child

Should I Buy Life Insurance for My Child?

If you’re a parent (or a grandparent), deciding on whether to buy life insurance for your child is a thought that may have crossed your mind. And if it has, let’s look at some of the specifics when it comes to life insurance for a child. First, life insurance policies…
business owners need life insurance

Why Business Owners Need Life Insurance

Why Business Owners Need Life Insurance Business owners need life insurance to protect their family, company, and employees from debts and unexpected costs if they pass away. As a business owner, you should have both key person and personal life insurance to protect your company and your family. Co-owners should…
medicare part d donut hole

Medicare Part D Donut Hole

Medicare Part D ‘Donut Hole’ Coverage Gap Explained The Medicare Part D program was designed with a gap in coverage: This is referred to as the Medicare Part D donut hole.  There are four stages of Part D prescription drug coverage: The deductible phase Initial coverage The coverage gap (also…

Low-income Special Enrollment Period Extended

A low-income Special Enrollment Period extension is said to benefit millions of people potentially.   At the end of the last Open Enrollment, roughly 1/3 of Marketplace participants had income at or below the 150% federal poverty level (or FPL, which is $19,320 per year for a single person in…

Whole Life Insurance Explained

What is whole life insurance?  Whole life insurance is permanent life insurance protection that lasts your entire life; by contrast, term life insurance only covers you for a specific number of years. While there are other kinds of permanent coverage, whole life is the simplest.  Whole Life Insurance: How it…
medicare plans for veterans

Medicare Plans for Veterans

Discover Medicare Plans for Veterans It is common for veterans approaching Medicare eligibility to have questions about Medicare plans for veterans with Veterans Affairs (VA) benefits. While Medicare does not coordinate with VA Benefits, you can have both types of insurance simultaneously and benefit from doing so. Below, we answer…
medicare telehealth coverage

Medicare Telehealth Coverage Improving for Mental Health

Medicare Coverage of Telemental Health The COVID-19 pandemic took a toll on the nation’s mental health. During this time, Medicare, and other agencies, focused more attention on telehealth. As a result, beneficiaries were able to access some health care amid stay-at-home orders, with specialists like behavioral health providers seeing the…
autism treatments covered by health insurance

Are Autism Treatments Covered by Health Insurance?

Autism treatments covered by health insurance vary by state and plan. Fortunately, the Affordable Care Act contains important provisions for individuals with autism and related conditions and their families. >Most health insurance plans are no longer allowed to deny, limit, exclude, or charge more for coverage to anyone based on…
group Medicare Advantage plan

5 Reasons To Add a Group Medicare Advantage Plan

Benefits of Adding a Group Medicare Advantage Plan Your employees work hard for you and help your business succeed. A group health plan is one of the most important benefits you can offer them in return. It shows you are invested in their health and well-being, not just your bottom…