Questions to Ask About Medicare
If you are new to Medicare, there are several questions you should consider while approaching or within your Initial Enrollment Period (IEP) or a Special Enrollment Period (SEP). Use this guide to consider your options when preparing to enroll in Medicare or after you have already enrolled. What are the basics? Medicare is a complex program […]
The Basics of Medicare
Medicare is the federal government program that provides health care coverage (health insurance) if you are 65+, under 65 and receiving Social Security Disability Insurance (SSDI) for a certain amount of time, or under 65 and with End-Stage Renal Disease (ESRD). The Centers for Medicare & Medicaid Services (CMS) is the federal agency that runs […]
The A, B, C, & D of Medicare
Breaking Down The Basics Whether your 65th birthday is on the horizon or decades away, understanding the different parts of Medicare is critical, as this government-sponsored program may play a role in your future health care decisions. Parts A & B: Original Medicare. There are two components. In general, Part A covers inpatient hospital care, skilled […]
The Value of Insuring Against Life’s Risks
Did you know that… Fifty-seven percent of American workers have no private short-term disability insurance.1,2 Sixty-five percent of working people in the U.S. lack private long-term disability coverage.1,2 Forty-eight percent of Americans have no life insurance.3,4 Approximately 14 percent of American drivers are uninsured.5 If you ask a homeowner, replacing a roof is probably the […]
Term vs. Permanent Life Insurance
According to industry experts, most people don’t have enough life insurance. The American Council of Life Insurers recently reported that average coverage equals $197,000, which is equivalent to almost 3.5 years in terms of income replacement (with the median income being $59,540 in 2024, according to the Bureau of Labor Statistics). That’s only half the […]