Plan F and Rate Hikes – HELP!

Plan F and Rate Hikes – HELP!

If you have Original Medicare plus a Medigap or Supplement, then you know about…the letters. The letters are Plans. The Plans are A, B, C, D, F, G, K, L, M and N. Sound like a mess? You are right, and this is where I tell you to consult your Independent Insurance Agent for free expert guidance. Okay, so now that is out of the way. Has anyone you know or have you yourself experienced a recent large rate hike on your premium for your Supplement? It is likely a higher increase than usual. Want to know why? And even better, do you want to know if there is something you can do about it right now?

The Heart of a Volunteer

The Heart of a Volunteer

I am naturally a person who cannot sit still. I tend to overschedule and overcommit, and it’s something I continue to work on. However, it comes from a good place. It comes from a place of passion and desire to accomplish goals and help others. In taking the leap into entrepreneurship, one of the things I was (and still am) most excited about was the flexibility to pursue my passion for helping people. I do this not solely for marketing purposes, but also it just fills my cup. Volunteering, even if it is something small, can completely change your mindset about all things and keep you motivated through tough times. I highly recommend it! Here are the four things I personally do to achieve this here in my community.

What are Medicare penalties and how do I avoid them?

What are Medicare penalties and how do I avoid them?

Depending on your past and/or current coverage, the timing of when you enroll in Medicare and what type of plan you enroll in are all contributing factors in whether you may incur a penalty. I get asked all the time, ‘I don’t take any prescription medications; do I even need to enroll in a Part D plan and pay a premium every month’? Well the answer is truthfully ‘No’. No one HAS to do anything. However, if you don’t enroll in a Part D or Advantage Plan with Part D included, you could incur a penalty which increases over time. Let’s take a look at types of penalties and how to avoid them.

I AM A VETERAN WITH VA BENEFITS. DO I EVEN NEED MEDICARE?

I AM A VETERAN WITH VA BENEFITS. DO I EVEN NEED MEDICARE?

Veterans have great benefits through the VA Administration. However, we believe they deserve more. These individuals fought and sacrificed for our country, here and abroad. Once a Veteran becomes Medicare eligible, why shouldn’t they get the best of both worlds at little to no cost? Here are a few of the details to open the door and ask your agent the right questions.

We do not offer every plan available in your area. Currently we represent 10 organizations which offer 62 products in your area.  Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all your options.  CDI is not affiliated with the U.S. government or federal Medicare program.