August 7, 2019

IRMAA stands for Income Related Monthly Adjustment Amount and is applied to higher income earners who’s AGI is over $85,000, or over (for a single person or married couples filing separately), and $170,000 for married couples who file taxes jointly.   If you or your fa...

August 7, 2019

Something to be aware of is that not all insurances are created equal.  Although Medigap insurance provides the flexibility you may need in order to see a wide array of doctors, there may be limits to what’s covered on your supplemental Medigap plan.  The main thing to...

August 7, 2019

I recently had a customer call me to ask why Medicare covered her yearly wellness visit but denied the lipid panel that she got after the appointment. Of course she was not happy about this. I don’t want any of you to experience a bill that you did not expect to see be...

July 28, 2019

The Medicare Annual Enrollment Period is almost here! Each year, open enrollment takes place between October 15 and December 7. I have attended many health plan seminars to learn about the changes to your current plans, and I look forward to sharing them with you. As o...

May 1, 2019

Anyone eligible for Medicare in Northern CA should have a new Medicare card by now. If you already have your new card make sure to cut up, or preferably shred, the old one and put it in the trash. This way your social security number will not be exposed. If you are eli...

September 18, 2017

Are you wondering about whether you qualify for Prescription Drug help?
Many

people qualify for these important savings and don't even know it. Anyone who has Medicare can get Medicare prescription drug coverage. Some people with limited resources and income may also be...

September 18, 2017

Ever lost your luggage or been sick on a trip abroad? Do you think it might ever happen when you travel? Then you might want to consider International Travel Insurance.
A lot of Americans are traveling more and for longer periods of time. According to the National Trav...

September 2, 2017

Everyone knows what Medicare is, right? Not necessarily. Despite ongoing discussions about the program in politics, media, and the healthcare industry, there are persistent misconceptions in the general public, especially for those who are about to turn 65 and become e...

August 31, 2017

Medicare Part A covers inpatient hospital care, limited time in a skilled nursing care facility, limited home health care services, and hospice care.  Services include semi-private rooms, meals, general nursing, drugs as part of your inpatient treatment, and other hosp...

August 14, 2017

What is Medicare Part B?  

Medicare Part B is part of Original Medicare and covers services and supplies that are medically necessary to treat your health conditions. This can include outpatient care, preventive services, ambulance services, and durable medical equipmen...