Blog
Medicare Prescription Drug Coverage
IF YOU HAVE A MEDICARE ADVANTAGE PLAN: Drug coverage is already included in the plan. IF YOU GET A MEDICARE SUPPLEMENT: Drug coverage is not included. You should buy a separate drug plan. GET THE RIGHT PLAN: All drug plans are not created equal. If you're taking...
Medicare for All – One Man’s Opinion
I am NOT making a political statement but rather offering food for thought based on my 20 years as a health insurance & Medicare broker. “Medicare for All” is a misnomer. Medicare as we now know it, for people 65+ years old, is not an entitlement. We’ve paid for...
Obamacare Penalty Ends – Should I Keep My Health Insurance?
Since the Obamacare penalty went into effect Jan 1, 2014, lots of people have tried to figure out whether it's cheaper to buy health insurance or pay the penalty. As a health insurance agent, many of these people have asked me to help them figure it out. I answer...
Long-Term Care Insurance
Long Term Care (LTC) is probably the most needed yet least purchased insurance. Why the most needed? You'll see below. Why the least purchased?Mainly because it's expensive and if you don't use it, then all your premiums were paid for nothing. But there is a better...
America’s Silent Epidemic – Listen Up!
Hearing loss is America's silent epidemic. It can have a more negative impact on the quality of life than obesity, diabetes, strokes or even cancer. Yet according to an AARP survey, more people report having gotten colonoscopies than hearing tests. The above is an...
Is My Provider In Network?
Since you can only change your health insurance during Open Enrollment, it's very important to confirm that your provider is "In Network". PROBLEM: The networks are getting increasingly smaller - and it's especially difficult if you're trying to find more than 1...
Medicare Advantage Plan with Excellent Benefits!
WOW !! There's a Medicare Advantage Plan available for 2018 that has some exceptional features. In addition to the coverage you would normally expect such as $0 premium and $0 co-pay for hospital, surgery, doctor, specialist, lab services, diagnostic tests and...
Health Sharing Plans
What if there was a health plan that was much more affordable than the health insurance plans and you could buy it anytime during the year - even outside Open Enrollment. Look no further than "Faith-Based Health Sharing Plans". You can purchase basic plans or plans...
Anthem Blue Cross Pulling Out of CA in 2018
If you're a Queen fan, you might be singing "Another One Bites the Dust". Since the advent of Obamacare, United Healthcare, Aetna, Cigna and now Anthem have pulled out of the state of California. Although most people think that health insurance companies are making...
Neil’s Favorite Protein Shake
Need a protein boost or meal replacement? Here's my favorite concoction (I mix the ingredients with milk). All items are available from Amazon. 1 SCOOP - Garden of Life Raw Organic Fit - 28 grams of Protein made with 13 raw sprouted organic ingredients. 1...