In 2023, a significant number of seniors will qualify for Medicare. Shifting from employer-based or individual insurance to Medicare can be a notable transition. While employer or individual policies usually present a few plan choices, Medicare offers a broader spectrum of options. Once you register for Medicare, you’re presented with two primary options:...

Getting ready for retirement in 2023 means understanding the intricacies of Medicare registration. Overlooking your enrollment period could lead to penalties for late applications. Besides pinpointing the right time to sign up, it's equally important to be aware of the anticipated Medicare costs and the kind of coverage essential for your needs. But before...

When it comes to Medicare, you essentially have two avenues for financial assistance with your healthcare costs: Medigap plans, also referred to as Medicare Supplements, and Medicare Part C, commonly known as Medicare Advantage. Medicare Advantage serves as an alternative to traditional Medicare and has sparked considerable debate. Nevertheless, it's the...

Medicare Advantage and Part D plans have been the subject of ongoing discussions and critiques. Given the rising number of grievances and issues, The Center for Medicare and Medicaid Services (CMS) has taken action, unveiling new operational rules and promotional standards for these initiatives. These modifications are crafted to foster positive...

Medicare recipients with higher incomes face elevated Part B and prescription drug plan premium costs. This scenario, understandably, isn't well-received – and we share that sentiment! Having interacted with numerous clients in similar circumstances, I'm here to shed light on a potential solution: the IRMAA appeal. This avenue allows you to challenge a...

Medicare trial rights are provisions designed to allow beneficiaries to try different Medicare plans without long-term consequences. They come in two different forms. Let's delve into the details of these rights. 1. Trial Right for New Medicare Beneficiaries Turning 65: Eligibility: Clients turning 65, with their Part A and Part B effective dates aligning...

If you were going to build something would you not have all the tools you need ready before you start? Of course not. Most of these things are necessary to becoming a successful insurance agent, and some are tricks of the trade that make life a whole lot easier. Technology These will be your most expensive and valued components. Without them, you cannot do...

AHIP will give you all the basics of Medicare.  We are not going to regurgitate that info.  We will add to the basic information you learned.  Read the “Medicare and You” handbook annually.  It is a wealth of information about Medicare. Along with AHIP, it should be your Medicare Bible. Keep it with you when you are in an appointment.  You will refer to it...

You start selling yourself the moment your client sets eyes on you.  Make sure you look dressed for the part.  You never get a second chance at making a first impression.  We all have bad hair days.  Look in the mirror and honestly ask yourself if, as a senior, you would do business with yourself.  Consider the values that generation has.  Some of these...