Insurance 101

Insurance 101

Whether you choose to like, dislike, agree or disagree, with the current President, he reminds us of the key element of insurance that individuals tend to forget: Insurance companies do NOT pay claims. Insurance companies collect premiums and redistribute those funds...
Life Insurance: It’s Not for You

Life Insurance: It’s Not for You

Life Insurance. The simple phrase either conjures up images of relief or feelings of regret. Every life has been touched by death. You simply cannot escape it. The question is what will happen once you or a loved one has passed from this life? Winston Churchill once...
Common Health Insurance Terms

Common Health Insurance Terms

Understanding your Health Insurance coverage can be difficult. This is especially true if you do not know the verbiage or meaning of the terms and acronyms. Here is a list of some of the more common terms used in the insurance industry along with a brief explanation....
SEP

SEP

Special Enrollment Period aka “SEP” Have you heard the term “SEP” going around?  Are you wondering what it is?  An SEP is a Special Enrollment Period that allows you to enroll in and/or make changes to your Health Insurance Plan outside of the...
Understanding Part D

Understanding Part D

Why is this so important? Every year from October 15th – December 7th, Medicare Beneficiaries have the opportunity to change their Part D prescription drug plans.  Failure to do so, could cause a lot of frustration. All plans use what is called a Formulary. That...
ACA 2017

ACA 2017

With the inauguration of the 45th President of the United States of America quickly approaching, many Americans have questions concerning healthcare and what the future holds. Will the Affordable Care Act be repealed? Will it be replaced? Will it be repealed AND...

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