Monthly Archives:July 2018

How to Enroll in Medicare Part B – whether you are just turning 65 or have worked past 65

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If you are self-employed or retired when you turn 65, signing up for Medicare Part B is a very simple process. You simply go to the Social Security website, www.ssa.gov, and do it on-line. Medicare allows you to enroll in Part B the 3 months before your birthday, the month of

What is the Donut Hole?

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Medicare Donut Hole graphic

If you’re turning 65 or becoming Medicare eligible, one of your challenges is choosing a drug plan. Many are confused by the term “Donut Hole” (also called the Coverage Gap). Medicare Prescription Drug Plans have four parts or phases, Initial Deductible, Initial Coverage, Donut Hole and Catastrophic. To understand the Donut

Applying for Health insurance in 2019

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Topics Covered and Questions Answered: Explanation of the ACA (Affordable Care Act) provisions Update on the plans available in Raleigh, Durham and Chapel Hill area ACA Terminology How to choose a plan? Who is eligible for a government subsidy? How to apply for a government subsidy and what questions to

Can you change from a Medicare Advantage to a Medicare Supplement?

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Unless someone turning 65 has lifetime health benefits from their or their spouse’s employment, they usually have two choices on how to receive their Medicare coverage. They can enroll in a Medicare Supplement and a separate prescription drug plan or in a Medicare Advantage Plan with drug coverage. If they

Six Smart Steps for choosing Medicare Insurance that is Right for You

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Choosing Medicare Insurance

Baby Boomers turning 65 in North Carolina have an abundance of choices with regard to their Medicare insurance. My customers who have been buying their own health insurance and don’t qualify for a government subsidy are thrilled to be able to choose from many policies that are much more affordable.

Why enrolling in COBRA can be a costly Medicare mistake

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If you (or your spouse) lose or quit your job with health insurance when you are eligible for Medicare it is unlikely COBRA (Consolidated Omnibus Budget Reconciliation Act) will be your best choice for health insurance. Medicare does not recognize COBRA as creditable coverage as they do group health insurance.

New to Raleigh and need a doctor?

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If you have recently moved to the Raleigh Durham area and need assistance finding a Duke primary care or specialist doctor, the Duke Consultation and Referral Center can help. They are opened  Monday through Friday from 8:00 AM until 6 PM. Call 1-888-ASK-Duke (275-3853) to request an appointment or visit them

Are you paying a penalty for not having health insurance?

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If  you have gone 3 months or longer without  ACA (Affordable Care Act) compliant health insurance in 2018 you may have to pay a penalty when you  file your 2018 taxes. No penalty for having health insurance does not kick in until 2019. The penalty is $695 per adult or

Save on Fertility Services if you have a BlueCross BlueShield of North Carolina policy

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BlueCross BlueShield of North Carolina (BCBSNC) now offers discounts on fertility services through a partnership with WINFertility. The highlights include 10% to 40% savings on fertility services which include intrauterine insemination, in vitro fertilization treatments and medications. Participants have access to a proven physician network, financing options and free consultations. For

This is important to know if you’re almost 65 & on a small group health plan

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Unlike large employer group plans,  employees on small group plans (fewer than 20) are required to enroll in Medicare Part B when they turn 65. Part B helps cover the cost of doctor visits, outpatient care, some preventative services, home health care and durable medical equipment. Once you enroll in Part B you have 6 months