Education
What If You Missed the Annual Enrollment Period?
The Medicare Annual Enrollment Period (AEP) comes around every year between October 15 and December 7, giving you the chance to review and adjust your Medicare coverage. But what happens if the AEP passes and you didn’t make any changes? First, don’t panic—you may still have options! The good news is that depending on your…
The 2025 Medicare Enrollment Period is Now Over: What Comes Next?
The annual Medicare Enrollment Period (AEP) for 2025 has officially come to a close. If you recently reviewed or made changes to your Medicare plan during this time, you might be wondering—what happens next? Whether this was your first time navigating Medicare or you’ve been through the process before, it’s important to know what to…
Understanding the Changes in Medicare Advantage Plans for 2025
With the Medicare Annual Enrollment Period in full swing, you may have heard some talk about the changes coming to Medicare Advantage plans for 2025. This year, there are fewer plans available on average, and some big names, like UnitedHealthcare and Humana, have scaled back their offerings. Let’s take a closer look at how these…
Medicare Enrollment is Here: What to Do Before December 7th
Hello, Southwest Florida! We’re right in the middle of the Annual Enrollment Period (AEP) for Medicare, a window that opened on October 15 and closes on December 7. For many of us, this time can feel a bit overwhelming, especially with the clock ticking. So, let’s go over what you should be focusing on and…
What to Expect During Medicare Open Enrollment (October 15 – December 7)
What to Expect During Medicare Open Enrollment (October 15 – December 7) Medicare Open Enrollment is a crucial time for millions of beneficiaries across the country. It’s the period when people can review their healthcare coverage, make changes to their plans, and ensure they’re set up for the coming year. Whether you’re new to Medicare…
Understanding Medicare Part B Givebacks: What You Need to Know
As the Medicare Annual Enrollment Period (AEP) approaches, a growing number of Medicare Advantage plans are promoting an attractive feature: Medicare Part B givebacks. These givebacks, also known as Part B premium reductions or Social Security givebacks, are designed to reduce the amount you pay for your Medicare Part B premium. But how do these…
Navigating Plan Changes and Switching During the Medicare Annual Enrollment Period
As the Medicare Annual Enrollment Period 2024 draws near, millions of beneficiaries are preparing to review their current plans and make crucial decisions about their healthcare coverage for the upcoming year. One of the most significant aspects of this period involves understanding the changes that may occur in Medicare Advantage and Part D prescription drug…
A Hurricane Emergency & Your Health Insurance
As Florida residents, we know hurricanes can be unpredictable and devastating, disrupting daily life and even posing significant health risks. When a hurricane threatens our area, it’s crucial to know how your health insurance plan can support you during an evacuation or emergency. Hurricane Emergency & Your Health Insurance Understanding your coverage can make a…
Medicare Supplement Plans: Are You Getting the Most Out of Your Coverage This Summer?
Summer is a time for fun, relaxation, and enjoying the great outdoors. But it’s also a time when healthcare needs can change, and it’s important to ensure that your Medicare Supplement Plans, also known as Medigap, is working for you. These plans can help cover costs that Original Medicare doesn’t, such as copayments, coinsurance, and…
Why Summer is the Perfect Time to Review Your Health Insurance Plan
Summer is a season of relaxation, vacations, and more free time than usual. It’s also the Perfect Time to review your health insurance and potentially update your health insurance plan. While it might not be the first thing on your summer to-do list, taking the time to evaluate your health insurance during these warmer months…
Understanding Medicare Coverage for Travel: Your Quick Guide
Summer is the perfect time for travel. Whether you’re planning a road trip across the country or a vacation abroad, understanding medicare coverage how it works while you’re on the go is crucial. This guide will help you navigate the ins and outs of Medicare coverage for both domestic and international travel, ensuring you have…
Don’t Be Fooled: Debunking Common Travel Insurance Myths
Ah, travel insurance – the unsung hero of any trip. Yet, despite its importance, many travelers still fall prey to common misconceptions about this invaluable coverage. From thinking they’re already covered by their medical insurance to believing that travel insurance is only necessary for international trips, it’s time to set the record straight and debunk…
Your Guide to Choosing the Right Travel Insurance Plan
So, you’ve decided to invest in travel insurance – smart move by choosing the right travel insurance! But with so many options out there, how do you choose the right plan for your needs? Don’t worry; I’ve got you covered. In this guide, we’ll walk through some tips for selecting the best travel insurance plan…
Best Types of Travel Insurance Coverage to Buy
So, you’ve booked your flights, sorted out accommodations, and made an itinerary packed with exciting activities – you’re all set for your upcoming trip! But before you jet off into the sunset, there’s one essential thing you need to consider: travel insurance. We are going to discuss different Types of Travel Insurance Coverage. Now, I…
Importance of Travel Insurance: Protecting Your Adventures
It’s that time of year again when folks start dreaming about their next vacation. Whether it’s a beach getaway, a backpacking adventure, or a cultural exploration, planning a trip can be incredibly exciting. But amid all the anticipation, there’s one crucial thing that often gets overlooked: travel insurance. Importance of Travel Insurance You might be…
The Employee Retirement Income Security Act (ERISA) and the Affordable Care Act (ACA): What Business Owners Should Know
Navigating the complex landscape of employee benefits and health insurance mandates is a critical task for business owners. Two pivotal pieces of legislation in this domain are the Employee Retirement Income Security Act (ERISA) of 1974 and the Affordable Care Act (ACA) of 2010. Understanding the implications of these laws is essential for ensuring compliance,…
Employer Group Insurance and Benefits in Florida: What All Business Owners Need to Know
In the competitive landscape of Florida’s business environment, offering a comprehensive employer group insurance and benefits package is not just an added perk; it’s a strategic necessity. These benefits not only play a crucial role in attracting and retaining top talent but also in ensuring the overall well-being and satisfaction of employees. For business owners…
What Types of Policies Are Available for Long-Term Care Insurance in Florida and What Are the Differences?
Long-term care insurance (LTCI) is a critical component of financial planning for many Floridians, especially given the state’s large population of retirees and elderly individuals. LTCI policies are designed to cover services that traditional health insurance plans, Medicare, or Medicaid may not, such as assistance with daily living activities for those who cannot perform them…
Long Term Care Insurance in Florida: What Consumers Need to Know
Long-term care insurance (LTCI) is becoming increasingly important for residents in Florida, a state known for its sizable, retired population. As the cost of healthcare continues to rise, more individuals are considering LTCI as a means to manage the potentially high expenses associated with long-term care needs. This article aims to provide Floridian consumers with…
Understanding the Costs of Medicare: How Much Will It Cost You?
While Medicare offers comprehensive coverage, understanding its costs is crucial for beneficiaries to plan their healthcare expenses effectively. In this article, we will explore the various costs associated with Medicare and provide a comprehensive breakdown of how much Medicare will cost you. Medicare Part A Costs Medicare Part A, also known as hospital insurance, covers…