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Are you looking for answers with your health insurance questions?  What are the rules regarding health care - at any age?  We have the answers to your Medicare questions, your Obamacare questions, your travel insurance questions.  Sign up at the top and I will send you the top 5 things to look for in a health plan.  

Insurance Blog

RV Sales are increasing

rv sales

RV Sales are rising

Many seniors are retiring and wanting to travel.  That may be the reason why RV sales are increasing at such a rate as seen in this video:

RV Sales are increasing


Have you purchased an RV and plan to travel in it either full or part time?  What is your opinion on the build quality?  As I saw in some of the comments on the video above build quality seems to be an issue.  I have gone camping in a tent a few times in my life, but just for a few days at most.

RV and #vanlife people have increasingly been using these vehicles to live in either full or part time, not as occasional vacation vehicles.  It's an interesting trend as housing prices are rising.  

Let me know if you have an RV or van and are traveling in it full or part time.  

Telemedicine during Coronavirus - Covid 19

Telemedicine - setting up a telephone appointment with your doctor is an excellent way to shelter in place, as well as allay any fears you have about potential symptoms from the Coronavirus.  Many of the insurance companies have set up policies where telemedicine is low to no cost.  

Also, many insurance companies are waiving any fees, copays, deductibles, and coinsurance for any visits and/or tests associated with the Covid 19.  Excellent news for the most fragile demographic and the hardest hit demographic in this worldwide pandemic - those people age 65 and over.  

It's a stressful time for all of us as none of us can do any of the things that were commonplace just a few weeks ago.  Things like going out to dinner. meeting friends for lunch, taking a walk down the street and not have to worry about maintaining a six foot distance between you and any other stranger.  Sports are no longer on television, an you are not allowed to convene with 50,000 other screaming fans at a sports complex.  

If you are age 65 and older, please take the shelter in place order seriously.  This virus has hit the over 65 demographic at an alarming rate.  If you have heart disease, diabetes, are overweight and have any other serious health conditions please stay indoors.  There are many different stores that will deliver groceries right to your door and many of them are now delivering toilet paper.  Not only food stores are delivering, but many of the restaurants in your area are delivering meals as well.  

Regarding telemedicine - I have used it myself with my own primary care physician for some clarification on a small issue I was having.  It was very helpful, and I used video conferencing to explain my situation.  If you do not have experience with video conferencing, the doctor will be happy to just give you a call and discuss any symptoms or concerns you may be having.  

Let all hope and pray that doctors and immunologists find a treatment, and hopefully a vaccine to combat this virus.  Who will be the next Marie Curie or Jonas Salk.  I have always been interested in visionaries who do not succumb to fear and are willing to look into solving a crisis rather than fanning the flames.  Jonas Salk created the vaccine for the polio virus that ran rampant throughout society in the early 20th century.  If polio can be cured, certainly with all of the blazing fast computing power that is available today that some ardent researcher will be able to find a cure and deploy it rapidly in society.  

Stay safe and healthy everyone and certainly call me with any questions about your health plan.  


Shingles Vaccine

It has been recommended by many doctors that getting a shingles vaccine will help to prevent you from getting shingles.  Medicare, and therefore all insurance plans that cover Medicare, cover the shingles vaccine.  Ask me how to get this for free!  

Turning Age 65

So you are turning age 65 and you have been receiving all kinds of mail from the government, insurance companies, and agents advising you that you need to enroll in a Medicare plan.  Which one do you choose?  How did you get to be age 65 so quickly!?  

Medicare Open Enrollment

It is almost time for the open enrollment period for Medicare plans, but did you know that any time you move you should check to make sure that your insurance company has a plan in the new area that you are moving to?  Insurance companies call these "service areas" - meaning that a group of doctors and hospitals that are in one part of the state or region but not be within driving distance for you once you move.

Any time you move you should ask your agent or insurance company if there are any issues with your access to doctors and hospitals, as well as pharmacies.  

Many people on Medicare move for all kinds of reasons.  Retirement, moving to be close to grandchildren, downsizing, warmer (or colder!) climate, job changes - or even a sense of adventure.  You definitely want to contact me and 

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Special Enrollment Periods

If you have recently moved, or have started to receive low income assistance, or are on Medicaid and Medicare - contact us to see if your special situation allows you to add/change plans throughout the year.  Otherwise, the regular open enrollment for Medicare Advantage plans is from October 15- December 7 of each year. Contact us with any questions.

Medicare Changes

Here is where I will post updates to Medicare and update you with any news.  With a new administrator for CMS (Centers for Medicare Services) there are sure to be new rules, hopefully to aid seniors in the coming years.


ACA (Obamacare) Insurance

Obamacare is up in the air as the new President takes office and is taking square aim at the "Affordable Care Act."  Have you been able to keep your own doctor?  Are your costs lower than before?  Here is where we take stock of where the ACA is, and update you on any new proposals and legislation being passed.  


Senior Issues

Is 70 the new 50?  Americans are living longer, medicine is changing, and pharmaceutical companies are coming out with new drugs.  All issues related to senior living may be found here.


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