How much does Medicare Part A and Part B cost?
How much does Medicare Part A and Part B cost? If you have worked at least 40 calendar quarters and paid social security taxes, Medicare Part A is provided at “zero premium”. Medicare Part A is hospital coverage and also covers skilled nursing care, hospice care, as well as some other limited services. Medicare Part […]
I have HBO Max, but no life insurance! What?
I don’t have any life insurance, but I have HBO Max! While it sounds silly when you say it to yourself, unfortunately way too many people are all to willing to spend money on vices of pleasure, but aren’t willing to invest the same to ensure their loved ones will be taken care of should […]
Do I have to stay in network with Medicare?
I have Medicare, do I have to stay in network? Medicare Advantage Plans are through private insurance companies and for those plans, you usually have to stay in a “network” of doctors for the best coverage. When you sign up for a Medicare Advantage Plan, we make sure that your current doctors, specialists, and preferred […]
Life Insurance for the cost of……..Chipotle?
My 19 year old son religiously gets a chicken burrito at Chipotle at least twice a week. Let’s pretend he doesn’t splurge for the queso and guacamole, even though we all know he does. That comes to $7.25 per tasty burrito. If he gets two a week, that comes to 104 burritos a year, which […]
I’m on Medicare, what if my prescriptions change in the middle of the year?
What if my prescription gets changed in the middle of the year when I’m on Medicare? No worries! You really do not need to do anything, except have your script sent to the pharmacy of choice and present your prescription drug card. When you sign up for either a stand alone prescription drug plan (PDP) […]
Life Insurance for the cost of Amazon Prime?
How much life insurance can I get for the monthly cost of Amazon Prime? As I type this, the going rate for Amazon Prime is $12.99 a month. Again, randomly choosing an insurance company, a healthy 32 year old female would be able to buy $218,546 of life insurance on a ten year term for […]
I am Medicare eligible now, but I still work full time. What should I do?
I still work full time, but am now eligible for Medicare – what should I do? Many more people are working later into – and past the age of Medicare eligibility. There are many variables that come into play when turning age 65, and different options for employees. Here are the two most common, basic […]
Life Insurance for the cost of Spotify
How much life insurance can I get for the monthly cost of Spotify Premium? As I type this, the going rate for Spotify Premium is $9.99 a month. Cheap right? Randomly choosing a life insurance company, a healthy 30 year old female could get $1120,695 on a ten year term life insurance policy. She could […]
Why do I pay for my Medicare plan while television commercials say it’s free?
I keep seeing commercials on TV saying that Medicare plans are free. Why do I pay for my Medicare plan? We get this question often. The zero premiums plans that you hear about are Medicare Advantage plans. These plans are common and many customers do choose them, however they are certainly not free when considering […]
Life Insurance for the cost of Netflix
How much life insurance can I get for the monthly cost of a standard Netflix subscription? As I type this, the going rate for standard Netflix is $13.99 a month. Just picking a random life insurance carrier, $13.99 would get a 30 year male non-smoker $226,099 coverage on a ten year term. 40% of Americans […]