The eligibility requirements for Medicare are complex. The age for eligibility as well as the different open enrollment periods are the cause of bewilderment for many. But eligibility for immigrants can be especially confusing. Below we discuss what is required for...
From Dave Silver Insurance Blog
Navigating Medicare can be confusing, but the right guidance can make all the difference. Explore tips, coverage options, and important updates to help you make informed decisions about your healthcare coverage.
Extra Benefits of Medicare Advantage Plans in Florida
Unlike original Medicare, Medicare Advantage Plans offer many extra benefits. Before I get into the extra benefits, I would like to caution you. Many people may make their decision on coverage based on these extra benefits. You have to understand that these are health...
What Should I Do When I’m Ready to Retire and Am Over Age 65
If you have Medicare and are ready to retire, there a few things you need to know. When people call me who are going through this they are worried about "penalties". In most cases the penalties do not apply. Some people will never apply for Medicare until...
Veterans and Medicare
Veterans and Medicare About half of the people I work with on their Medicare are Veterans. Often times these folks go to the VA for all of their care and do not receive any care outside the VA from civilian doctors unless it’s a medical emergency. That being said,...
Is Medicare Plan F Going Away? Yes & No.
Is Plan F Going Away? Yes & No. But so is Plan C and High Deductible F For people eligible for Medicare prior to January 1st 2020, the answer is "no". If you receive Medicare after January 1st 2020, the answer is yes. (Legislation impacting this is called MACRA....
Choosing the Right Medicare Advantage Plan
When it comes to decide on a Medicare Advantage plan, you have to make sure that you fully understand the coverage and its limitations. Many people I speak to tell me that they have Medicare Supplement coverage when in fact they have a Medicare Advantage plan. There...
Retiring & Needing Medicare Coverage
If you are retiring or losing employer coverage and are in need of obtaining Medicare coverage, there are some simple steps that you will need to do to ensure that you get your coverage on time. If you went on Medicare while you were employed and you decided to only...
Evaluate Your Medicare Drug Coverage Every year
Most people select a Part D Prescription drug plan and don't ever change it. This is a huge mistake. What few people realize and that the drug companies change their formularies (list of covered prescriptions) each year. A drug they may cover one year, they may not...
Why Working With A Medicare Insurance Broker in Florida Is Your Best Option
Working with a broker will afford you the opportunity to make better decisions on your Medicare coverage. This is probably the most important thing to know about choosing the correct coverage for yourself. Most people work with an agent who is either employed by one...
5 Reasons Generic Drugs Are Cheaper
Have you ever wondered why generic drugs are cheaper than their branded counterparts? Well, wonder no more because I will give you the top 5 reasons generics are cheaper than branded drugs. They Don't Have to Recoup the Cost of the Patent When a drug company markets a...
When To See Your Doctor (And When Not to)
Let's face it, nobody wants to go to the doctor. I wouldn't be surprised if doctors don't like going to the doctor. Personally, I only go to the doctor because I need to get prescription meds refilled. Let me tell you about situations when you should go to the doctor...
Why It Is Not Okay to Pay The Penalty for Not Having Health Insurance
The Affordable Health Care Act requires a penalty to be paid for those who do not have health insurance. Some people view this as a tax and most who have to pay it do not like it. Some who pay the penalty do so as a form of protest. Let me tell you why it is not cool...
Dave Silver Insurance Agency Newsletter – November 2018
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4 Ways To Get Discounts With Prescription Drug Coverage
Prescription Drug Coverage is a health plan that helps pay for prescribed medications. Providing for healthcare costs is not an easy task. Learning ways to get discounts with your health plans such as prescription drug coverage can help you save better to achieve...
Benefits of Medicare Advantage Plans for Working Adults
As the society continues to develop, there is an increased need for the workforce. Working for at least eight hours a day might be a stressor and might pose risks to one's health. And yet, financing for healthcare costs is another story. The availability of Medicare...