medicare scams

Medicare Scams: What You Need to Know

Medicare’s annual enrollment period is one of the most popular times of the year for health care scams. We are breaking down some scams and what you need to know.  AARP estimates that nearly 64 million beneficiaries are under attack from an army of scammers eager to defraud Medicare, which…
drug advocacy prescription assistance plans

Options for Drug Advocacy Prescription Assistance Plans

If you find yourself like millions of uninsured Americans, getting the medications you need can be scary. Fortunately, there are options through Drug Advocacy Prescription Assistance Plans (PAP).  According to a report released by the Centers for Disease Control and Prevention, in 2020, 31.6 million (9.7%) people of all ages…
medicare options for veterans

Medicare Options for Veterans

If you are a veteran, meaning you served active duty in the U.S. Armed forces, you may be eligible for both Veterans Affairs(VA) benefits and Medicare.  To be eligible for VA benefits, you must have served your country for a certain period of time, received an honorable discharge, and qualify…
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…