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It’s Fall, Y’all!
Autumn is finally here! How did that happen so fast? One minute we’re enjoying the sunshine and barbecues in the backyard, and the next we’re welcoming Mr. Autumn Man and digging out wool sweaters. Fall always inspires mixed emotions. On the one hand, we’re sad to see the sunny days and beach trips slip away. On the other hand, the changing weather provides a time for reflection, connection with loved ones and some fantastic fall activities. Since fall has officially arrived, we’re sharing five ways to make the most of the season. #1. Know your AEP options Along with the [...]
AEP Is Coming!
Maximize Your Benefits During the Medicare Annual Enrollment Period Did you know that the Medicare Annual Enrollment Period (AEP) is just around the corner? It is! But there’s still time to reach out to your agent, research your options, and potentially change your plan. AEP starts October 15th and runs through December 7th with changes going into effect starting January 1, 2022. Since AEP is your yearly chance to make changes to your existing coverage, you do need to take action quickly, though. What can you do during AEP? If you’ve been a Medicare beneficiary for a while, you’ve no [...]
Long-Term Care Insurance for Seniors: Costs and Considerations
You’ve no doubt heard of long-term care insurance for seniors (LTC), and you may have even debated whether or not you should sign up for a plan. While not everyone can afford long-term care insurance, knowing what your options are and what factors influence the cost is important. For many seniors, LTC insurance is appealing. The coverage makes up for gaps that Medicare plans leave open, like nursing home costs and in-home or assisted living care. When paid for on their own, these services quickly add up to tens of thousands of dollars. But seniors living on a fixed income [...]
Disabled and Under 65? Get the Care You Need with Medicare
Medicare and Disability Under 65: What You Need to Know What happens to your insurance coverage when you’re disabled and can’t work? Its a frequently asked question regarding medicare and disability under 65. Most people think of Medicare coverage as strictly for seniors, but if you're disabled and under 65, you may also qualify. Nearly 15% of current Medicare recipients are under the age of 65. Today we’re discussing some of the most common questions people have about qualifying for Medicare with a disability. How do I qualify for Social Security disability benefits? If you're disabled, under 65 and want Medicare [...]
Moving and Medicare: What Happens to Your Medicare Plan When You Move?
In the wake of 2020’s many disruptions, have you been reevaluating your living situation? Maybe you’re motivated to downsize due to soaring home values. Or you have a renewed sense of family and a desire to be close to your loved ones. Possibly you always planned on moving in 2021. Whatever the reason, moving house is a disruption that can affect many parts of your life, including Medicare. Here’s what you need to know about moving and your Medicare coverage. Moving with Original Medicare When you’re on Original Medicare, moving is pretty simple. For Medicare Parts A and B, your [...]
You’re Eligible for Medicare. Now What?
If you’re turning 65 this year, you’ll soon be joining the 44 million Americans in the Medicare system. Learning about the initial enrollment period for medicare can be time consuming, so we created our own guide for MySeniorHealthplan readers. Medicare is the health insurance program in the U.S. that gives seniors and the disabled, access to the medical coverage and support they need to lead healthy active lifestyles. Navigating Medicare with what you’re supposed to do and when can be a difficult and confusing experience. Here’s a brief breakdown of what Medicare is and what you need to know about [...]
Picking Between Employer Group Health Plan and Medicare
Whether you’re currently working or recently retired, if you're 65 or Medicare-eligible, and on an employer-sponsored Medicare group plan, you might want to rethink your options. Wading through the best choice for you when it comes to employer group health plan and medicare, so we here at MSHP created this guide. These plans may be great if you’ve been with your company a long time, but what if you’ve only been there a few years? Employer Group Health Plan and Medicare: Is your plan right for you? We know switching plans can feel daunting. There may be a number of [...]
What’s the difference between PPO and HMO Medicare?
Understanding the full spectrum of Medicare concepts is hard. With so many acronyms, caveats and (seemingly) abstract ideas, even seasoned health insurance professionals get confused by the dizzying array of Medicare terms and information. We get many questions about PPOs (Preferred Provider Organization) and HMOs (Health Maintenance Organization). What these acronyms stand for, what they mean, which one is better and why, are issues we address daily. Even if you don’t know anything about what PPOs and HMOs are, you’ve probably deduced they’re very different. Here, we’ll demystify these plans and answer, once and for all, what is the difference [...]
Do You Need to Review Your Medicare Plan Details?
Medicare Open Enrollment Period (OEP) ends on March 31, 2021! There are only a few weeks left to enroll in a Medicare Advantage (MA) plan. Do you know if you want to make changes to your Medicare Advantage coverage? It's critical you review your medicare plan details to ensure the doctors and facilities you use are covered. Do you have the best fit plan for your needs? There are at least four factors you should take into account before choosing or changing your MA plan. Has your health changed (for better or worse) since you first enrolled? Have you moved [...]
Natural Disasters and Medicare Special Election Periods (SEP)
You may have noticed there are quite a few Medicare rules. Everything from when you can enroll to how you enroll and who can enroll is tightly regulated by the Centers for Medicare and Medicaid Services (CMS). You probably usually enroll in a Medicare plan during one of the regularly-scheduled enrollment periods, like the Annual Enrollment Period (AEP) or Open Enrollment Period (OEP). But what happens when, despite your best efforts, life gets in the way, and you’re not able to get a plan on time? Here's what you need to know about emergencies, natural disasters and Medicare. Disaster SEP [...]
