Apply for your Medicare card 3 months before your 65th birthday, contact Social Security and enroll in Medicare. You will get your Red, White, and Blue card in the mail. See sample above. This is your Medicare card. Sometimes it is referred to as your Red, White, and Blue card. This card will show that… Read More
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What is Part A, Part B, Part C, and Part D?
People often times are confused with hearing all the Part A, Part B, Part C, and Part D. What is it? These letters are what Medicare covers for your health insurance. Part A covers hospital care and stays, skilled nursing facility, hospice, lab test, surgery, and home health care. Part B covers doctors, outpatient visits,… Read More
What does Medicare Cover?
It shows that you have Part A (Hospital coverage), Part B (Medical coverage) or both. It shows what date your coverage begins. This is also known as Original Medicare. Original Medicare does not cover everything. It does not cover prescription drugs, routine vision, eye glasses, dental, private duty nurses, or hearing aid. I have a… Read More
What is Medicare?
Medicare is a federal medical health insurance program for people who are age 65 and older, certain disabilities for those who are under age 65, and with permanent kidney failure that requires dialysis and/or a transplant. To be eligibile for Medicare, you would have to have worked at least 10 years for which you have… Read More
When is it a Good Time to Buy Life Insurance?
The best time to buy life insurance is when you are young and healthy. As we get older, our healthy also changes. When you are young, our health is healthier, and the rates are lower. I have clients who are in their twenties. Both are healthy and just got married. A few years later, the… Read More
Symptoms of a Heart Attack for Women
Warning Signs that you may be having a heart attack Dizziness Fatigue Pain in the back, shoulders, arms, neck, or jaw Breaking out in a cold seat or perspiring excessively (unless you are going through menopause) Shortness of breath Nausea
What is Term Life Insurance?
Term life insurance has certain timeframe. They range from 15 years, 20 year, and maximum of 30 years. You would renew it at each term. It does not accumulate cash value for the term of the policy and it is also cheaper when compared to permanent life insurance. However, at every renewal, the cost is… Read More
What is Permanent Life Insurance?
Permanent life insurance covers the life of the insured and it accumulates cash value when it matures. The owner may use the money as a withdrawal, borrowing the cash value, or cash the value of the policy “surrender value.” It is usually more expensive when compared to term insurance. Health exam is needed. It is… Read More
There are Three Different Enrollment Periods to Enroll in Medicare
1. Initial Enrollment For Medicare Advantage or Part D plans – It is three months before and three months after the month you turn 65 years old. For example, if your birthday month is June. You may enroll three months before June or 3 months after when you become age 65 or Medicare eligible. … Read More
Did You Know That There Are Six Living Generations?
Which Generations Are You? G. I. Generation – born between 1901 – 1924 Silent Generation – born between 1925 – 1945 Baby Boomers – born between 1946 – 1964 Generation X – born between 1965 – 1976 Generation Y or Milliennials – born between 1977 – 2000 Generation Z – born between 1995 to present… Read More
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