Medigap policies can’t work with Medicare Advantage Plans. If you have a Medigap policy and join a Medicare Advantage Plan (Part C), you may want to drop your Medigap policy. Your Medigap policy can’t be used to pay your Medicare Advantage Plan copayments, deductibles, and premiums. If you want to cancel your Medigap policy, contact your …
What is an Indemnity Plan? Indemnity plans allow you to direct your own health care and visit almost any doctor or hospital you like. The insurance company then pays a set portion of your total charges. Indemnity plans are also referred to as “fee-for-service” plans. How does an Indemnity plan work? Under an Indemnity plan, …
Yes! According to the Washington Post, President Biden is set to reopen ACA insurance marketplaces for another Open Enrollment Period. What does this mean for you? If You’re Currently Not Insured You will soon be able to enroll in a plan! You can also schedule a phone appointment with one of our licensed agents who …
For members of BCBS Illinois Now that the Food and Drug Administration (FDA) has approved COVID-19 vaccines for use, here are some things to keep in mind about the COVID-19 vaccines: They’re covered at no cost to you. All our health plans will cover the COVID-19 vaccine at no cost to you in and out …
Why Concierge Medicine? Concierge medicine is a response to the limited access to primary care provider and healthcare facilities in general. Healthcare access has become more complicated due to multiple reasons. Firstly, the high demand on healthcare providers faced with a shortage in physicians available. Even as the nation’s health care workforce combats the spread …
Choosing where to have your baby during a pandemic is on the minds of many in 2021. You may wonder what policies and visitor restrictions now exist and what that means for your birth experience. Here is the breakdown from The Leapfrog Group; a national nonprofit organization that reports on the safety and quality performance …
Summary: The Affordable Care Act brought a lot of changes to the Medicare program, including a new Part D premium adjustment for people who reported higher incomes on their tax returns. The income-related monthly adjustment amount, or IRMAA, now applies to both your Part B and Part D premiums. If you fall into a higher income bracket, …
Your modified adjusted gross income (MAGI) determines your eligibility for important tax benefits, including whether you can deduct contributions to an individual retirement account (IRA) or contribute directly to a Roth IRA. Eligibility for education tax benefits and certain income tax credits are also based on MAGI. Under the Affordable Care Act, eligibility for income-based Medicaid and subsidized health insurance through …
Whether you have just started researching your insurance options or have been putting it off for sometime. Being unfamiliar with key dates for insurance can put you or your family in a very compromising situation in which you could be under insured or without insurance. To avoid either, here are some key dates you need …
It’s the Annual Election Period and everyone from your insurance company, the agents and commercials on television, your friends and family, to the mail is telling you you NEED to switch medicare plans. Should you? Do you need to make a change this year before the time is up? Can everyone make plan changes? Myth: …
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