Get Your Life Together: click Here !
Tuesday, November 26, 2019
Thursday, November 14, 2019
What To Know About Buying Long-Term Care Insurance
Getty
Here
are two eye-popping facts: Someone turning 65 will have a nearly 70%
chance of needing long-term care in the future.
And the annual cost of a
private room in a nursing home (national median) is over $100,000 a
year, according to the recent Genworth Cost of Care Survey.
Yet only about 10% of Americans 65 and older have long-term care insurance.
If you’re 50+, should you consider buying a long-term care insurance policy, which can often cost between $2,000 and $5,000 a year?
The new episode of the Friends Talk Money podcast, hosted by personal finance experts Terry Savage, Pam Krueger and Richard Eisenburg helps answer that thorny question.
You can listen to it below or find it on all major streaming platforms and on Friendstalkmoney.org.
Long-Term Care Costs: The Financial-Planning Topic People Hate
Paying for long-term care is the “one financial planning topic most people would love to avoid,” says Savage, author of The Savage Truth on Money, on the podcast. But, she adds, “it pays to plan ahead.”We have available the pricing for these please.
Give us a call 877-480-health (4325) or email us at Info@MMinsuranceagency.com
Wednesday, November 13, 2019
CMS has Announced Changes for 2020 Medicare
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Tuesday, November 12, 2019
Major Dental Coverage FREE to Individual for November !
M & M INsurance Agency Dental Coverage
Sign up for free ! Click Here !
Great Local Dentists Save You 70%+ on Braces, Implants, Crowns. No Insurance Needed.
Major dental work is expensive. Dentists charge around $5,500 for braces and $4,000 for an implant and crown. If you don’t have a dental plan, you would pay the entire fee.
If you have a dental plan, it doesn’t get much better. Good dental plans cover $1,500 for either procedure, so you still have to pay around $4,000 for braces and $2,500 for an implant and crown to make up the difference.
PlanSURITY lowers the price of major dental work while improving quality of care. We connect you to great local dentists, reviewed by clinical experts for excellence. It doesn’t matter to us if you have a dental plan or not - the dentist will not charge your insurance plan anyway. Here’s what you pay:
Braces: Around $2,500 (SAVE $1,500 - $3,000)
Implant + Crown: Around $1,500 (SAVE $1,000 - $2,500)
Other Major Procedures: After your free initial examination, you’ll get an outstanding price
Most of our dentists have financing options in place so you can pay monthly (instead of all at once), if that helps you get the care you need.
Sign up today. Its free to join. Tell us if you need work done now or in the future. A local dental office will contact you (depending on when you need the work done) for a free initial examination.
CLICK HERE TO REGISTER at no cost!
Our offices will fill up quickly, so reserve a spot today!
Offered by: M & M Insurance Agency
877-480-HEALTH (4325)
Friday, November 8, 2019
Plansurity Dental for MAJOR Dental work ! Free for Month of November !
How about Paying Nothing for Dental Coverage !
November only Special !
Here's where to go to sign up:
Great Local
Dentists Save You 70%+ on Braces, Implants, Crowns. No Insurance Needed.
Plansurity Dentist !
|
Major dental
work is expensive. Dentists charge around $5,500 for braces and $4,000 for an
implant and crown. If you don’t have a dental plan, you would pay the entire
fee.
If you have a dental plan, it
doesn’t get much better. Good dental plans
cover $1,500 for either procedure, so you still have to pay around $4,000 for
braces and $2,500 for an implant and crown to make up the difference.
PlanSURITY lowers
the price of major dental work while improving quality of care. We connect you to great local dentists, reviewed by clinical
experts for excellence. It doesn’t matter to us if you have a dental plan or
not - the dentist will not charge your insurance plan anyway. Here’s what you
pay:
·
Braces: Around $2,500
(SAVE $1,500 - $3,000)
·
Implant + Crown:
Around $1,500 (SAVE $1,000 - $2,500)
·
Other Major
Procedures: After your free initial examination, you’ll get an outstanding
price
Most of our
dentists have financing options in place so you can pay monthly (instead of
all at once), if that helps you get the care you need.
Sign up today.
Its free to join. Tell us if you need work done now or in the
future. A local dental office will contact you (depending on when you need
the work done) for a free initial examination.
Register at no Cost !
Our offices will fill up
quickly, so reserve a spot today!
|
Monday, November 4, 2019
Medicare: Who Pays When !
Medicare: Who Pays First?
| Compliments to our friends at Benefit Mall: |
There are a couple of different scenarios whereby an employee who is covered by both Medicare and the employer’s group health plan may encounter a dilemma as to which pays a claim first. Typically, this is a classic “coordination of benefits” that can sometimes cause confusion if not handled in a timely manner.
For employers with less than 20 employees, in a large majority of cases, Medicare is the primary payer of the claim, followed by the group health plan.
For Example, billed amount $500, Medicare allowed amount $300, Part B pays 80% of $300 = $240, group medical plan will pay the co-insurance amount of the $60 balance of the allowed amount.
Once an employee turns 65 and they are covered by Medicare A or B, they can no longer contribute to the HSA. If they are on Medicare, however, they can use funds to reimburse 213(d) expenses. They do not lose their money.
| Scenario | Primary Payer | Secondary Payer |
| Employer with 20+ employees | Employer | Medicare |
| Employer with fewer than 20 employees | Medicare | Employer |
| On spouse's insurance and employer has 20+ employees | Employer | Medicare |
| On spouse's insurance and employer has fewer than 20 employees | Medicare | Employer |
| Retiree from non-federal job with health insurance from former employer | Medicare | Employer |
| Retired and spouse's employer's plan for business with fewer than 20 employees | Medicare | Employer |
| Retired and spouse's employer's plan for business with 20+ employees | Employer | Medicare |
| Retired federal employee | Medicare | Federal Employees and Health Benefits Program |
| TRICARE* | See below | |
| COBRA | Medicare | COBRA |
| Medicaid | Medicare | Medicaid |
| Under 65, disabled and have coverage through a family member's employment and employer has 100+ employees | Employer | Medicare |
*For TRICARE, there are different scenarios that exist which will determine who pays first:
- For active-duty military personnel enrolled in Medicare, TRICARE pays first for the Medicare-covered services and Medicare pays second.
- For inactive military personnel enrolled in Medicare, Medicare will be the primary payer and TRICARE may pay as the secondary payer.
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