What is Cobra?

COBRA stands for Consolidated Omnibus Reconciliation Act. Basically, COBRA allows you and/or your family to continue receiving your employer health coverage should you lose your job. But, understanding your COBRA eligibility can be difficult. Here are a few things to keep in mind: You will have to pay the entire

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What is an Explanation of Benefits (EOB)?

Medicare Supplements and EOBs If you receive a healthcare service, your provider will have to file a claim with your insurance carrier. For individuals on a Medicare supplement, your provider will file the claim with Medicare, who will then approve or deny the charges. If Medicare approves this claim, the

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What Our Agents Offer

Thank you to all of our customers who turned to us during 2015’s Annual Open Enrollment period. From navigating the Affordable Care Act plans and the Healthcare Marketplace to finding a Medicare Prescription Drug Plan, we understand how overwhelming this time of year can be. We hope that we were

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Medicare and your Annual Notification of Change

If you have a Medicare Advantage plan or a Part D Prescription Drug plan, you should be receiving your Annual Notice of Change (ANOC).  This letter or package will highlight any changes to your coverage and your costs that will be taking place in 2016. Why is the ANOC so

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Finding and Enrolling in a 2016 Part D Prescription Plan

If you need a new Part D plan for 2016, our agents are happy to assist you; however, if you would like to navigate the part D program on your own, we hope these instructions will help! Before you begin, make a list of your prescriptions, including dosages, quantities and

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Affording Prescription Drug Plans

When you become eligible for Medicare, we recommend that you enroll in Part D Prescription Drug coverage. Many Part D plans can help alleviate the costs of your medications; however, we understand that for some people, the cost of a plan as well as the medication costs can be expensive.

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