Long Term Care Insurance
Last Updated 10/5/2020 Issue: The long-term care insurance (LTCI) market has evolved significantly since the introduction of LTCI in the 1960s. In the past decade, the market has grown from covering…
Read More
Life insurance is for those who stay behind, it is for those to continue to live
Understand What Life Insurance Is - Life insurance pays a death benefit if you die while the policy is in effect, in exchange for premiums you pay before your death.…
Read More
What Is A Serious Illness?
It is never easy for a patient to receive a diagnosis with a serious illness. Patients and their loved ones must navigate treatments, planning, setbacks, and numerous challenges while dealing…
Read More
Federal Issue Coverage Plan for COVID-19 Vaccine & Treatments
WASHINGTON (AP) — Federal health officials Wednesday issued insurance coverage rules designed to deliver on the promise that every American will have access to free COVID-19 vaccines when they are…
Read More
Premiums for Part B & Part D for 2021
Part B - Premium and IRMAA* (*Income-related monthly adjustment amount) Part B covers 2 types of services Medically necessary services: Services or supplies that are needed to diagnose or treat…
Read More
Deloitte: Medicare Advantage plans that don’t embrace telehealth ‘will get left behind’
COVID-19 has dramatically accelerated the adoption of digital health, and a new analysis from Deloitte finds that trend extends similarly to Medicare Advantage (MA) beneficiaries. Deloitte researchers surveyed executives at…
Read More
Assisted Living for Veterans: Benefits You Didn’t Know Existed
Veterans give their all in the service, yet may find it challenging to resume their civilian lives, especially if they suffer from post-traumatic stress disorder (PTSD). Reintegrating into the community…
Read More
Medicare Annual Open Enrollment
Medicare annual open enrollment has begun. This is the time to review all your options, for the choice that best meets your current need. Reviewing items like your out of…
Read More
The Value of Long Term Care Coverage
If a picture is worth a thousand words, imagine what a concept video about Long Term Care Insurance is worth. This video demonstrates the value of LTC coverage and its…
Read More
At-Home Services that Can help Senior Veterans
Original Post By Home Advisor As a senior veteran, you’ve served your country and your loved ones well. Once you enter your golden years, you’ve more than earned the right to enjoy…
Read More
What is Medicare?
Medicare is a federal program that offers health insurance to American citizens and other eligible individuals. The program is often called Original Medicare. It has two parts — Part A…
Read More
Thinking of Opening?
Thinking of opening? See a few guidelines that may help. MONITORING EMPLOYEE HEALTH How to stay safe and monitor employee health while also abiding by: EEOC/ADA regulations (equal employment opportunity/American…
Read More
COVID-19 Change In Status
During the COVID-19 crisis, many people may have to change their status. Different events can trigger a Special Enrollment Period (SEP) for individual coverage. While much of the current attention is focused…
Read More
Protect Yourself From COVID-19 Scams
You may already be taking steps to protect your health during the COVID-19 emergency. Be sure to also protect your identity from scammers by guarding your Medicare Number. It's easy…
Read More
COVID-19 Updates Regarding Insurance
If benefits are needed. See the reference below. Under the guidance, federal law permits significant flexibility for states to amend their laws to provide unemployment insurance benefits in multiple scenarios…
Read More
Leave Of Absence Due To Pregnancy
For more information, visit https://myleavebenefits.nj.gov/worker/maternity/
Read More
What you need to know about Corona Virus – Fact Sheet + Q&A
Below, you can find a Q & A from the Centers for Disease Control & Prevention. Find out more at https://www.cdc.gov/coronavirus/2019-ncov/index.html
Read More
Five Unexpected Ways Life Insurance Can Help Protect Your Family’s Future
A home is a pretty special place. Purchasing a house, is also likely to be one of your largest financial obligations. What would happen to your mortgage if you were…
Read More
Does Medicare Pay For Long-Term Care? Don’t Make A Big Mistake!
Original Article Found Here Rusty had paid for a long-term care policy for many years. Then, one day, his daughter found a cancelation notice for nonpayment of premiums sitting on…
Read More
Dental Information For Those On Medicare
Oral Health The House of Representatives passed H.R. 3, a bill that would lower prescription drug prices and use the savings to add an oral health benefit to Medicare. If…
Read More
The 10 Absolutes for Caregivers
Never ague, instead agree Never reason, instead divert Never shame, instead distract Never lecture, instead reassure Never say remember, instead reminisce Never say 'I told you so', instead repeat/ regroup…
Read More
Medicare 101 Made Easy
Learn About Medicare If you will be entering the Medicare program or have been on Medicare already and would like to use your benefits, it can be over whelming. Deciding…
Read More
Fraud Alert – Genetic Testing Medicare Scam
Have you heard about the latest scam? Scammers are offering “free” genetic tests and claiming Medicare will cover it — so they can get your Medicare Number and use it…
Read More
Re-admissions penalty doing little to slow the spinning of hospitals’ revolving doors
Author of original content: Jeff Lagasse Original article found here. Every American hospital has two front doors: The real one, and an imaginary revolving door. Any patient who winds up…
Read More
When Should You Buy Life Insurance?
Author of original content: Megan Leonhardt Original article found here. Let’s set the record straight: Not everyone needs life insurance. It’s more than likely that you’ll start thinking about needing…
Read More
10 Reasons You May Want Long Term Insurance
Carrera Brokerage is here to help with your concerns and options. Resources from the National Association of Insurance Commission (NAID) Long Term Care can be confusing. Here is some information…
Read More
How Medicare Works With Other Types Of Coverage
The PDF attached below shows some great examples of how Medicare works with other types of coverage, who should pay your bills first, and where to get more help. Click…
Read More
Medicare Part B Fairness Act Introduced
Representatives Katie Hill (D-CA-25) and Brian Babin (R-TX-36) recently introduced The Medicare Part B Fairness Act (H.R. 1788). The bill would limit the amount and duration of the Part B…
Read More
Bills Introduced to Protect Medicare Beneficiaries from Observation Status Coverage Gap
Last week, bipartisan, bicameral legislation was introduced to ensure all Medicare beneficiaries who spend three days or more in a hospital can access post-acute care in a Skilled Nursing Facility…
Read More
How to find and compare hospitals
When you’re comparing hospitals, look for one that: Has the best experience with your condition. Participates in Medicare and is covered by your health plan. Checks and improves the quality…
Read More
Learn About Medicare Parts A, B, C & D
Join us at Louis Bay public library in Hawthorne, NJ. Bring your questions and thoughts. Free event Saturday, March 23rd, starts @ 11 AM. If you will be entering the…
Read More
Confused About Medicare?
Call us , we will be able to help you learn & understand the basics of Medicare, compare Medicare plans, and how it coordinates with other coverage. New to Medicare If…
Read More
Ten Things to Know About Your New Medicare Card
10 things to know about your new Medicare card Medicare is mailing new Medicare cards started in April 2018. Here are 10 things to know about your new Medicare card:…
Read More
Ways to Avoid Part D Late Enrollment Penalty
Join a Medicare drug plan when you're first eligible.You won't have to pay a penalty, even if you've never had prescription drug coverage before. Don't go 63 days or more…
Read More
Transition to Medicare
by Cheryl McCarthy The transition from group health benefits to Medicare is important but confusing. Currently, Medicare and Social Security are involved in determining what individuals will pay toward the…
Read More
Medicare 101 Seminar – Hawthorne, NJ
Come learn a little bit more of your ABCDs of Medicare. Meeting at the Hawthorne Library Sept. 29, 2018 @ 2 pm Is this a topic that gets confusing? Come…
Read More
Final Expense
LUNCH & LEARN Will your current health insurance pay all your final bills? What are my final bills? Who will pay all my final bills? Will my final expenses affect…
Read More
