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The only thing constant is change and that is never more true than with Medicare. The health insurers are in financial uncertainty and the new administration seems to be making plans to overhaul Medicare & Medicaid, both under CMS. The preferred way to stay in the know is to work with an independent broker. As […]

I wish I read this sooner and understood its veracity. Here it is: “I bargained with Life for a penny,and Life would pay no more,However I begged at eveningWhen I counted my scanty store; Life is a just employer.He gives you what you ask,But once you have set the wages,Why, you must bear the task.

The book, Die with Zero, Getting All You Can From Your Money and Your Life, is sooooooo good. Admittedly I’m not finished with it yet but the principles it is recommending are already apparent. Don’t die without squeezing all you can from life. If you leave a ton of money in the bank or never

Be Your Own Best Advocate- my God this one is useful and necessary Family is everything- so true, and they can be messy, but your family has seen it all and knows you better than anyone I Love You- wow, how did this take this long to recognize the need to say this one. Powerful

As an independent insurance agent, specializing in Medicare insurance, I eat, breathe and sleep Medicare. Medicare is easy; get a skilled broker as your professional partner to guide you to proper coverage- THAT’S IT! Don’t overcomplicate it. Don’t fight it. If we shop for the cheapest drug plan for you, that’s what it is. There’s

I hated reading until my 40s (when I found that reading can be enjoyable IF you pick the right books). Here is a log of books I have read recently: 10% Happier by Dan Harris– I loved it but reviews were not great. A bit of a pompous perspective on meditation, but the overall message

On October 17, 2022 the FDA’s OTC hearing aids rulingwent into effect, allowing the purchase of hearing aids withouta medical exam or prescription.OTC hearing aids are designed to treat mild to moderatehearing loss.OTC hearing aids are true hearing aids that use the sametechnology as prescription hearing aids. You now can buythem at retailers such as

So many health insurers are stepping up to help members access care. United Healthcare is no exception. They are waiving many co-pays from now through Sept 2020. Here are more details: To help member’s get the care they need, we are waiving cost-share (copays, coinsurance and deductibles) for our Medicare Advantage plan members as follows.

The 3 major manufacturers of insulin are expanding their assistance programs during the Coronavirus pandemic. Eli Lily, Sanofi and Novo Nordisk are helping insulin dependent patients get access at lower or no cost. All programs had an assistance program before the outbreak, including for those on Medicare. Some of the programs required a $1,000 or

If you are soon eligible for Medicare, you would be wise to apply to enroll as early as possible. Some people will not experience delays but if you delayed enrollment because you are still working, you could have trouble signing up. This is stressfull, especially if you are losing group coverage due to a layoff.