Skip to main content
May 10, 2023 in Medicare

What is Creditable Prescription Coverage?

Beginning January 1, 2006, Medicare beneficiaries will have the opportunity to receive subsidized prescription drug coverage through the new Medicare Part D program. Beneficiaries who choose not to sign up…
Read More
March 1, 2023 in Life Insurance

When is Life insurance taxable to the beneficiary?

When beneficiaries receive a payout from a life insurance policy, they typically don’t have to pay taxes. However, there are a few situations where a portion of the life insurance…
Read More
December 30, 2021 in Elder Law

Do I have to pay my husbands debt after he dies?

Losing your spouse is a painful, confusing time, but add to that repeated calls from an aggressive debt collector and a bad situation suddenly can get even worse. Click here for…
Read More
December 30, 2021 in Elder Law

Will You Be Ready For Long Term Care?

For some, retirement means "where will we play today's round of golf?" For others, it could mean, "do I pay for my meds or my rent?" In either case, a…
Read More
November 19, 2021 in Medicare

How does Medicare work with my job-based health insurance when I stop working?

Once you stop working, Medicare will pay first and any retiree coverage or supplemental coverage that works with Medicare will pay second. You may be able to get COBRA coverage to continue…
Read More
November 19, 2021 in Social Security

Why should I stop contributions before I retire?

To avoid a tax penalty, you and your employer should stop contributing to your Health Savings Account (HSA) 6 months before you retire or apply for benefits from Social Security (or…
Read More
October 27, 2021 in Medicare

Medicare Open Enrollment Information

Call us today and compare your choices! This is the time to review your Medicare Advantage or stand alone prescription coverage choices. Think about your Medicare coverage needs for 2022. Carefully review your…
Read More
October 22, 2021 in Medicare

The Cost of Part B Medicare

Some people automatically get  Medicare Part B (Medical Insurance), and some people need to sign up for Part B. Learn how and when you can sign up for Part B. If you…
Read More
October 4, 2021 in Medicare

Medicare Coverage for Home Health Aide Care

Medicare coverage can help older adults and people with disabilities obtain necessary home care. When individuals meet the home health benefit criteria, Medicare-covered care can include home health aide services.…
Read More
September 7, 2021 in Medicare

How to spot Medicare fraud

Review your Medicare Summary Notices for errors and report anything suspicious to Medicare. Compare the dates and services on your calendar with the statements you get from Medicare to make…
Read More
September 7, 2021 in Elder Law

Concerns over eldercare beginning to show up in workplace

Without adequate caregiving support for employees, companies incur millions of dollars of hidden costs. More than half of survey respondents say their supervisors were not as supportive as they needed…
Read More
July 29, 2021 in Medicare

What is Medicare and what does it cover?

Medicare pays for health care for: People age 65 years and olderPeople under age 65 with receiving Social Security Disability benefitsPeople of all ages diagnosed with Amyotrophic Lateral Sclerosis (ALS…
Read More
July 29, 2021 in Social Security

5 opportunities Social Security’s new statements offer advisors, participants

Social Security statements already served as handy tools. But the changes that the Social Security Administration is rolling out will help advisors and clients even more. Advisors who have never…
Read More
June 28, 2021 in Medicare

Ask Your Legislators to Put an End to the Observation-Status Loophole

Currently, Medicare beneficiaries who are not officially admitted to a hospital may be classified under “observation status,” which is treated as an outpatient procedure for billing purposes. Unfortunately, the common…
Read More
June 17, 2021 in Elder Law

World Elder Abuse Awareness Day

June 15th is World Elder Abuse Awareness Day (WEAAD). This day provides an opportunity for communities around the world to promote a better understanding of abuse and neglect of older…
Read More
April 30, 2021 in Medicare

How do Medicare Advantage Plans work?

Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare.  If you…
Read More
April 30, 2021 in Medicare

Center for Medicare & Medicaid – CMS Fraud Prevention Initiative

The federal government has made important strides in reducing fraud, waste and improper payments across the government. The Affordable Care Act provided additional resources and tools to enable the Centers…
Read More
April 5, 2021 in Social Security

How working affect your Social Security benefits

You can get Social Security retirement or survivors benefits and work at the same time. But, if you’re younger than full retirement age, and earn more than certain amounts, your…
Read More
April 5, 2021 in Medicare

Extra Help with Part D

What is Extra Help with Medicare prescription drug plan costs? Anyone who has Medicare can get Medicare prescription drug coverage. Some people with limited resources and income also may be…
Read More
March 4, 2021 in Corona Virus, Medicare

Are COVID-19 vaccines covered by Medicare?

Vaccines are getting increasingly more available. Are you wondering how it will be coverage if you have Medicare?  Administration and vaccine cost are covered by Part B of Medicare. For…
Read More
March 4, 2021 in Senior Services

Women Worry More Than Men About Senior Healthcare Costs, Data Shows

Medical care is a significant retirement expense. Here's how to plan for it It's no secret that healthcare is a huge expense for seniors. But new data from reveals that women…
Read More
January 25, 2021 in Long Term Care

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
January 25, 2021 in Life Insurance

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
December 30, 2020 in Medicare

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
December 1, 2020 in Corona Virus

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
December 1, 2020 in Medicare

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
October 31, 2020 in Medicare, Telemedicine

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
October 31, 2020 in Senior Services, Veterans

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
October 6, 2020 in Medicare

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
October 5, 2020 in Long Term Care

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
July 30, 2020 in Senior Services

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
June 29, 2020 in Medicare

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
June 8, 2020 in Corona Virus

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
April 15, 2020 in Corona Virus, Health Insurance

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
April 1, 2020 in Corona Virus, Medicare

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
March 17, 2020 in Corona Virus

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
March 17, 2020 in Corona Virus, Health Insurance

Leave Of Absence Due To Pregnancy

For more information, visit  
Read More
March 6, 2020 in Corona Virus

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
Read More
March 3, 2020 in Life Insurance

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
March 3, 2020 in Long Term Care

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
January 14, 2020 in Telemedicine

Telemedicine Update

Read About It Here
Read More
January 14, 2020 in Dental, Medicare

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
November 8, 2019 in Long Term Care

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
September 23, 2019 in Medicare

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
September 7, 2019 in Medicare, Scam Alert

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
July 3, 2019 in Medicare

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
July 1, 2019 in Life Insurance

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
June 4, 2019 in Long Term Care

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
May 21, 2019 in Medicare

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
April 12, 2019 in Medicare

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
March 23, 2019 in Medicare

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
March 13, 2019 in Medicare

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
March 8, 2019 in Medicare

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
September 24, 2018 in Medicare

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
September 22, 2018 in Medicare

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
September 13, 2018 in Medicare

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
September 12, 2018 in Medicare

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
August 20, 2018 in Medicare

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
May 2, 2018 in Life Insurance

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
April 11, 2018 in Medicare

Medicare 101 Seminar

Are you entering the Medicare program? Deciding what Part A, Part B, Part C & what is Part D a bit overwhelming or confusing? The decisions you make is very…
Read More
April 10, 2018 in Medicare

New Medicare Card

You’ll get a new Medicare card with an alpha/numeric ID, that’s unique to you, and it will only be used for your Medicare coverage. The new card won’t change your…
Read More
February 23, 2018 in Social Security

Social Security Payee Program

Acknowledgements/Introduction Central to Justice in Aging’s mission is ensuring that our nation’s most vulnerable seniors are protected from misuse of their modest incomes. Currently there are over ten million older…
Read More

    Let's Talk

    What type of insurance?