Medicare ABCs

Open Enrollment (AEP), is around the corner, and for 44 million beneficiaries who are enrolled (1), this becomes a time to take advantage to see what changes are coming up and possibly change plans.  And roughly 3 million Americans (2) will be turning 65 every year and enroll for the first time.    Medicare for [...]

By |2020-04-17T18:15:26+00:00September 29th, 2017|Insurance|

A La Carte Planning Don’t Be A Victim

A dangerous phenomenon is happening within the financial services industry.     For years marketing gurus taught the masses about niche marketing.  We listened and drank the Kool-Aid.  It happened across almost every industry and worked like a champ.  By focusing on certain segments of the population, specialists homed in on their craft and focused [...]

By |2020-04-13T18:00:33+00:00May 29th, 2017|Financial Planning|

The Death Spiral of the American Health Insurance System

Recently, updates on the actual cost of the Affordable Care Act has disclosed severe issues that could cost the American taxpayer billions. The report has gone on to include that actual cost in both Medicare expense and user expenses unexpectedly have increased.  What went wrong? We had predicted that insurance rates would rise based on [...]

By |2020-04-15T23:45:02+00:00April 21st, 2016|Insurance|

Healthcare And The Baby Boomers

The Baby Boomers are overpowering the health care system   For over 100 years the discussion of a national health care system in America has been both a hot and cold discussion. As president, Theodore Roosevelt first suggested the idea of a health care system that would be available for all Americans. In fact, as [...]

By |2020-04-14T19:22:55+00:00September 8th, 2015|Estate Planning, Insurance|

Baby Boomers Will Be Have To Pay A Higher Percentage For Their Medical Care

Tough decisions will cause Baby Boomers to decide on retirement spending   Recently a large financial services company suggested that each retiree beginning at age 65 and using Medicare as their chosen health insurance protection vehicle could face an out of pocket expense of over $240,000 during their lifetime. The amount needed is expected to [...]

By |2020-04-12T23:31:13+00:00August 31st, 2015|Estate Planning, Insurance|

Physicians And The Affordable Care Act

Physicians are taking the brunt of lowered medical costs reimbursements  Increasingly, medical providers are deciding not to handle Medicare patients any longer; instead, they are offering services to those over age 65 with their actual cost of services being billed. The Medicare enrollee has no viable option of asking Medicare for reimbursement and is faced [...]

By |2020-04-17T23:17:24+00:00August 27th, 2015|Estate Planning, Insurance|