Special Enrollment Periods Explained: When You Can Change Plans
Health insurance doesn’t always line up neatly with the ebbs and flows of your life. You might change jobs, move to a new location, get married or divorced, or welcome a new family member at any time of the year, not just during Open Enrollment.
Fortunately, you don’t necessarily...
Special Enrollment Periods Explained: When You Can Change Plans Continue reading…
Questions You Should Ask Before Choosing a Medicare Plan
Choosing a Medicare plan can feel overwhelming. You have several options, each with its own confusing terms and costs to consider. If you rush the process, you may overlook critical details and wind up with coverage that doesn’t meet your needs.
Asking yourself the right questions during the selection...
Questions You Should Ask Before Choosing a Medicare Plan Continue reading…
How to Choose the Right Medicare Plan Based on Your Doctors and Prescriptions
The process of choosing a Medicare plan can feel overwhelming. You know you want to keep seeing the doctors you trust and taking the prescriptions you rely on, but is there a plan that allows you to do both? Before you enroll in coverage, it can help to review how different Medicare...
How to Choose the Right Medicare Plan Based on Your Doctors and Prescriptions Continue reading…
What Medicare Does Not Cover (And How to Fill the Gaps)
Many people preparing to enroll in Medicare go in assuming it will cover most of their health care needs. While the program does provide broad coverage, it doesn’t pay for every service or expense, including some key services people often need as they age. As a result, gaps in coverage can lead...
What Medicare Does Not Cover (And How to Fill the Gaps) Continue reading…
Understanding Medicare Part D
Retirees and certain individuals receiving Social Security Disability Insurance benefits may qualify for Medicare, including Part D coverage. Here’s what you need to know about what Medicare Part D covers and how much it costs, so that you can better budget for your healthcare expenses.
What Is Medicare...
Understanding Medicare Part D Continue reading…
Medigap vs Medicare Advantage: Which Is Right for You?
Medigap and Medicare Advantage offer different types of coverage, and which one is right for you depends on what matters most to you. Medigap works with Original Medicare to cover extra costs like deductibles and coinsurance. Medicare Advantage rolls your hospital, medical, and often drug coverage into one plan. Look at your...
Medigap vs Medicare Advantage: Which Is Right for You? Continue reading…
Medicare Special Needs Plans
Many Arizonans rely on standard Medicare Advantage plans for health coverage. However, these standard plans aren’t always the best options for individuals with chronic conditions or who require specialized care. For these individuals, Medicare Special Needs Plans (SNPs) may offer a more suitable solution to their needs.
SNPs are...
Medicare Special Needs Plans Continue reading…
Transitioning from Employer Insurance to Medicare
As 65 approaches and Medicare enters the picture, the questions start to pile up. You may feel uneasy about giving up your current coverage, making a costly mistake, or choosing something that affects a spouse or partner in ways you did not intend.
You deserve space to ask honest...
Transitioning from Employer Insurance to Medicare Continue reading…
Life Changes That Affect Your Insurance Needs
Life doesn’t sit still for anyone. As life changes—such as getting married, having children, moving, or retiring—your insurance should adjust accordingly. Each new chapter brings different needs, and keeping your coverage up to date is one of the best ways to protect your money, your family, and your future.
Life Changes That Affect Your Insurance Needs Continue reading…
Health Insurance for Self-Employed Individuals
If you work for yourself, you should know that you have more choices for health insurance coverage than you might think. You can buy an Affordable Care Act (ACA) marketplace plan, enroll directly through a private insurer, or look at short-term coverage if you need a temporary option. Marketplace plans cover essential...
Health Insurance for Self-Employed Individuals Continue reading…
What Seniors Should Know About Medicare
When people reach the age of 65, they become eligible for health insurance coverage through Medicare. Medicare provides health coverage to seniors when they retire and lose employer-supplied insurance. As you approach retirement age, understanding how the Medicare system works can help you plan for your healthcare costs in your later years.
What Seniors Should Know About Medicare Continue reading…
Are You Ready for Medicare Open Enrollment?
Medicare Open Enrollment runs from October 15 through December 7 every year. During this time, anyone with Medicare can make changes to their health or prescription drug coverage. Any updates you make will take effect on January 1 of the following year.
If your needs or medications have...
Are You Ready for Medicare Open Enrollment? Continue reading…