What if I did not get my Medicare Part D right away?
What if I did not get my Medicare Part D when I initially enrolled in Medicare? Medicare Part D is your prescription drug coverage. CMS (Centers for Medicare and Medicaid Services) says that anyone who is 65 or older should start their part D during their initial enrollment period. Many of our clients ask, “I […]
Did you know – the origin of Prudential Life Insurance Company?
Did you know? In 1873 John Fairfield Dryden and a few financial backers founded the Widows and Orphans Friendly Society in Newark, New Jersey. They offered “workingman’s” insurance, or burial life insurance to the working class and were the first to do so in the United States. In 1875 they merged with the Prudential Friendly […]
What if my prescriptions change in the middle of the year?
If your prescriptions change in the middle of the calendar year and you are on Medicare – you have nothing to worry about. Simply have your new script sent to the pharmacy of your choice and present your prescription card. When you sign up for either a stand alone prescription drug plan (PDP) or if […]
How do I make sure that my affairs are in order in case I die? Use these ten steps for creating a smart end of life plan.
How do I make sure that my affairs are in order just in case I pass away? Have a will and update it periodically. The will designates executors, guardians and trustees. Your executor’s first task is to locate your will. To facilitate that, put the original in an envelope with your name and “Will” written […]
Do Medicare Supplements cover the cost of a gym membership?
Have you ever overheard someone talking about Silver Sneakers and wondered what they were referring to? Most of the major insurance companies that offer a Medicare Supplement plan come with wellness coverage. The most talked about coverage is called Silver Sneakers. This wellness coverage will get you a discount at a gym and / or […]
Whole Life Insurance vs Term: What You Need to Know
Whole Life Insurance vs Term: What You Need to Know You know those decisions in life that make you look back and think to yourself, If only I had known more… Or even, What in the world was I thinking? We all have one. While it’s not as scandalous as getting a regrettable tattoo, life […]
Keeping a farm in the family with life insurance.
See how the Krzewina family used life insurance to save the farm after their father / husband Paul passed away from brain cancer. Life happens. To learn more about your life insurance options and needs, call Frost-Beck Insurance Agency in Archbold or Whitehouse, Ohio. Frost-Beck Insurance Agency is a full service independent insurance agency. Call […]
Life Insurance 101
What is life insurance? Well, it’s actually a simple answer to a difficult question. From parents, to empty nesters, single people, to retirees – almost everyone has someone who depends on them. So ask yourself, would my loved ones struggle financially if I weren’t here? If the answer is yes, then you likely need […]
Does Medicare come with Dental and Vision coverage?
So does Medicare come with Vision and Dental coverage? We often get asked if Medicare covers routine vision exams, glasses, contacts, dental cleanings, or routine hearing exams. The answer depends on what kind of Medicare plan you have. Traditional Medicare supplements do not cover routing visits to the eye doctor, the dentist, or an audiologist. […]
Insurance Department Asks Ohioans to Report Insurance Fraud
PRESS RELEASE – Insurance Department Asks Ohioans to Report Insurance Fraud COLUMBUS – One of the leading white-collar crimes in the country, more than $40 billion worth of insurance fraud occurs each year increasing the cost of insurance around $700 annually for families, according to several reports. Ohio Department of Insurance director Judith L. French […]