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Medicare Advantage OEP: Top Questions Seniors Ask
OEP: Top Questions Seniors Ask During Medicare Open Enrollment, Answered by Our Licensed Agents Many people believe the Medicare enrollment season ends in December. But there is another important opportunity early in the year that many seniors do not realize exists. It is called the Medicare Advantage Open Enrollment Period, often shortened to OEP. Each year from January 1 through March 31, people who are already enrolled in a Medicare Advantage plan have a limited opportunity to make changes to their coverage. Our licensed agents speak with seniors every day. During this time of year, many people ask similar [...]
Wondering How to Get a Medicare Replacement Card?
You’ve lost your wallet—ugh! Or maybe it was stolen. Possibly a beloved pet mistook your wallet for a chew toy. Regardless of how you got here, you now need to know how to cancel your credit cards, apply for a new driver's license and how to get a Medicare replacement card. Your Medicare card contains important information pertaining to your insurance coverage. You can’t be without it for appointments and prescriptions. And, like a credit card, the number on your Medicare card is personal and can allow someone else to access your insurance benefits. So let’s learn how to get [...]
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 [...]
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 [...]
You’ve Unexpectedly Lost Health Insurance: Now What?
The year 2020, although we’re only nine months in, has been consistently inconsistent. Nearly every aspect of our daily lives has changed. And for many of us, it seems the effects—including lost health insurance—will be long lasting. The economic impact of the COVID-19 pandemic has weighed heavily on older Americans. There are currently 5 million unemployed people aged 55 to 70. And now, six months into the pandemic, many have given up on finding work again. So, since March 2020, 7% of Americans aged 55 to 70 have decided to voluntarily exit the workforce. And, while retiring early may sound [...]
Telehealth for Seniors: Taking Advantage of the Modern House Call
The COVID-19 pandemic has changed nearly every aspect of our lives, including how we seek medical treatment. Just a few months ago, we could walk into our doctors’ offices, and the only people wearing masks were those in the lab. But those days are over—at least for now. Depending on where you live, you may not have seen your doctor face-to-face for routine or non-COVID-related reasons for several months. And, even if you do make an in-person appointment, it's far different than in January. You’re probably used to seeing your medical provider whenever you’d like, so these changes might be [...]
How to Enroll in Medicare if You’re Working Past 65
Working Past 65: Medicare Options and What You Need to Know Download our brand new eBook: "Should I Drop My Employer Insurance for Medicare here! For decades, the gold standard for retirement age was 65. But in the last several years, we’ve seen the retirement age inch up with many folks working past 65. Now, 20 percent of Americans age 65 and older are participating in the workforce—the highest rate in nearly six decades. Some of this is due to the U.S. government formally changing the Social Security retirement age. Since 1983, the retirement age, previously set at [...]
3 Questions to Ask Before You Choose a Medicare Plan
Three Critical Questions to Ask Before You Choose A Medicare Plan Once a year, during Annual Enrollment Period (AEP), you’re able to choose a Medicare plan or make changes to your existing plan. This short window (ending December 7th) is your opportunity to think about your healthcare needs, learn about changes to Medicare and adjust your Original Medicare or Medicare Advantage Plan for the upcoming year. Take Carol, for example. Over the last year, her health needs shifted considerably. She experienced swollen ankles, shortness of breath climbing the steps to her house, and became dizzy when getting out of [...]
How to Make Changing Your Medicare Benefits Easy [and Fun]
Changing Your Medicare Benefits: Simple Steps to Make Decisions with Confidence Changing your Medicare benefits during Annual Enrollment Period 2019 doesn't have to be difficult! We're here to make it easy... There are things you can do that are fun — like “edgewalking” Canada’s CN Tower (168 feet above the ground, on a ledge, toes-only, just you and a tether) or floating (endlessly) in one of the world’s largest swimming pools at the Alfonso del Mar Resort in Chile. Then there are things you may consider not quite as exhilarating, such as working out what changes you need to [...]
