Shameless Plug

November 30, 2017

(SHAMELESS PLUG #54)  Supplemental benefit options range and and can provide necessary and needed income for those that chose to take advantage. Supplemental insurance can take the form of life insurance, accident insurance, critical illness, dental or a host of other benefits. Some will ...

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(SHAMELESS PLUG # 53)  Some people look at insurance to address a variety of matters. Many people are familiar with the traditional forms, such as health, life, auto, home and cellular phone insurance.  Rarely do they think about end of life insurance coverage.   It is a scary but very REAL ...

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(SHAMELESS PLUG #51)  I know that people do not want to sit through a session about their health insurance (BOOOOOORING).  Unfortunately, it is necessary.  If your insurance agent is boring and he or she sounds more like the teacher from “Charlie Brown” and you tuned-out, doing all you could to ...

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(SHAMELESS PLUG #51)  Some Medicare eligible people view Medicare Advantage Plans as restrictive because they maintain a network (also known as HMO or Health Maintenance Organization).  Plans like Medicare Advantage Plans rely on a network to help maintain and lower costs for the Medicare ...

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(SHAMELESS PLUG#46)  There is a huge debate about which one is better, Medicare Advantage or Medicare Supplements.  These are two different vehicles that can both produce similar goals for a consumer.  Medicare Advantage and Medicare Supplements are NOT the same thing, although they may achieve ...

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(SHAMELESS PLUG #45)  Original Medicare is the traditional red, white and blue card that has either part A or B on it or both.  The card covers hospital (PT A) and medical (PT B).  This card helps to cover 80% of all Medicare eligible fees.  The 20% is billed to the responsible party.  If you ...

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(SHAMELESS PLUG #44)  To some Medicare eligible enrollee’s, the open enrollment period can be a confusing and frustrating time.  Every person experiencing the process may experience it differently, depending on your status.  Factors ranging from health, age, financial ability, how benefits were ...

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(SHAMELESS PLUG #43) I have been working with insurance for over 10 years, and always talk to my clients about the peace of mind aspect that life insurance can afford.  Let’s face it, already losing your spouse is tragic enough, but compound this with the fact that life just does not stop, adds ...

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(Shameless Plug #42) EAST ORANGE, NJ - Some business owners consider supplemental insurance an extra or a burden to their already financially fatigued work force.  Some employers feel that asking their employees to protect themselves is not beneficial to their business.  They feel that not ...

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Medicare has became so complex that many Medicare eligible people simply choose not to educate themselves. This way of thinking can be dangerous. It can affect people financially (penalties or delays), loss of coverage benefits and several other factors. Working with experts is one way of ...

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Hepatitis C is a disease that affects the liver and can be a cause of liver cancer.  It appears that the baby boomer generation is highly susceptible and the CDC encourages all people in this age group to get tested.  Please see the PDF that I provided for additional information.

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(Shameless Plug #38)  The open enrollment for seniors is coming. From October 15th to December 7th seniors new to Medicare can sign up for Either "add-on" products to their existing Medicare or opt for signing up for a Medicare Advantage plan.  They can also sign up for a supplement without ...

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Medicare has become a political football for both sides of the isle.  One party is correct on its premise but wrong in its methods and the other party is correct on its methods but wrong on its premise. The two parties are much closer to agreeing than they think.  Medicare in its present form is ...

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(Shameless Plug 36) Seniors and Medicare recipients have been subjected to a host of new programs, options and costs.  The IRMAA or Income Related Monthly Adjustment Amounts is one of those costs.   Social Security states that the IRMAA presently affects about 5% of Medicare recipients.  The 5% ...

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(Shameless Plug #34)  I have worked in the insurance industry for years and have heard the many tragic and horrible stories, related to lack of preparation, concerning life insurance. People fool themselves into thinking that tragedy will not happen. This, along with a host of factors leads them ...

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(Shameless Plug 34)  A few short years ago, no one wanted to speak with a Medicare specialist.  This is with good reason.  One, you only happened to see them during open enrollment or at some event where a representative was trying to get you to sign up with their plan.  Sometimes, Medicare ...

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(Shameless Plug # 33) Medicare is an insurance program for seniors at age 65 or people that are Medicare eligible due to a disability and have been declared disabled by your doctor. You would have to be declared this way to 24 months (2 years) in order to be eligible for Medicare, under age 65.

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(Shameless Plug # 32)  Dollars and Cents is the true reason for the changes in the present Medicare system.  A January 4, 2016 article from the PBS News Hour talk about reasons for these changes.  The author, Ricardo Alonzo-Zaldivar, stated, “Grandma’s Medicare usually just paid the bills as ...

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I originally was going to write on another aspect of Medicare, but I had this happen to me recently and felt it important to share this experience.  I have been a Medicare representative for many years and understand the need for legal guardianship, power of attorney and living wills.  A person ...

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(Shameless Plug # 29)  Medicare is a federal program for people that are 65 years’ or older.  Medicare has been expanded to include people under 65 years’ old under certain conditions.  Certain disabilities, end stage renal disease (ESRD) and some marriage circumstances, will allow for some ...

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(Shameless Plug # 25)  Medicare advantage plans (MA) or Medicare part C, is a type of Medicare insurance offered by private insurance companies. Medicare advantage plans are designed to provide all of the benefits of original Medicare.  Some plans provide benefits greater than what Medicare ...

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Shameless Plug #24 (Tax benefits for family caregivers of seniors) According to a Website attn.com, in 2014, approximately 40 million Americans are caring for Elderly family members. Reasons ranging from financial benefits to health concerns, attribute to the rise of family based eldercare.  ...

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