Medicare Plan Advisory

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Medicare Plan Advisory

Medicare Plan Advisory, Charlie Yost, focuses on Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans.

06/18/2021

Healthcare News You Can Use

With us now offering healthcare plans for people under 65, here are some early-age milestones that might be great times for a health insurance audit!

Age 18-26

One (and often the best) option for people just entering adulthood, is staying on your existing family plan.

Usually, staying on a family plan is permissible until age 26, so exercising this option until no longer possible, might be the cheapest and most effective route for their health insurance needs.

For those who pursue higher education, it is often the case that colleges offer relatively inexpensive options. Attendees should be sure to check with their school advisor to see if this is the right option for them.

Age 27-29

Once off a family plan, it may be a time to consider (at least) catastrophe insurance. These are plans with high deductibles that cover only severe medical problems. It may be good to lock in a price now, as rates often rise once in your 30s.

Age 30+

Options often shift once around age 30-64, and healthcare providers might wish to take another look at the policy, to see if ensuring the now-30-year-old is still in their best interest.

Age 65+

At age 65, you must enroll in a Medicare plan if you do not have an employer plan.

Full-Time Employees

If they are employed full-time, and sit on the payroll of a company that offers healthcare to its employees, it will usually be a great option. Providers offer discounts to employers who hold multiple policies, and employers often reap incentives and subsidies for offering healthcare plans to their employees. Be sure to not miss out on company plans, if your employer offers health insurance! Opting in might be your best bet.

As a healthcare advisor, I help my clients and their families find the perfect plan that fits their needs. If you have friends or family who have been thinking about taking another look at their healthcare plan, call or email me and get started now!

203-856-7391
cyost@fairfieldcountyhealthcare.com
fairfieldcountyhealthcare.com

06/07/2021

What is the Importance of Health Insurance?

Why are so many professionals bugging you about securing your health insurance?

Because it is important!

Here are three reasons why it’s important to have health insurance.

1. Health insurance provides financial protection-- It’s always wise to have financial protection. Especially on one of the most important aspects of our life, which is health. As the old saying goes, health is wealth. One of the ways to secure that wealth is having health insurance. Health insurance can help someone who has a bill worth thousands of dollars down to just hundreds.

2. You’ll get access to Preventative Services-- What is a preventative service? In simple terms, it consists of healthcare services that include check-ups, patient counseling, and screenings to prevent illness, disease, and other health-related problems. It helps prevent further diseases by diagnosing them early. Preventative services are free with Health Insurances.

3. Health Insurance helps in retirement Planning-- Yes! Not only does it help financially during your younger years it also helps you during your retirement years. Most health insurances feature no maximum renewable age. This means in your old age where income is low you can have an assurance that your medical bills are covered.

There are a lot more reasons why you need to secure your Insurance, just think of it as one of the greatest investments that you’ll be able to secure. An investment for your health.

As a healthcare advisor, I help my clients and their families find the perfect plan that fits their needs.

If you have friends or family who have been thinking about taking another look at their healthcare plan, call or email me and get started now!

203-856-7391
cyost@fairfieldcountyhealthcare.com
fairfieldcountyhealthcare.com

03/29/2020

Celebrate National Nutrition Month—Take care of yourself and your Medicare plan. For your health, create a healthy eating plan and find physical activities that fit your lifestyle and for your Medicare Plan, contact Charles Yost of Medicare Plan Advisory at (203) 856-7391 or cyost@medicareplanadvisory.com.

03/22/2020

About 1 in 3 U.S. adults have high blood pressure — and you could be one of them. High blood pressure usually has no signs or symptoms, but it can lead to a higher risk of heart disease, stroke, and kidney failure. The only way to know if you have high blood pressure (or hypertension) is to have your blood pressure tested.
Do you know your blood pressure numbers? Medicare covers blood pressure checks during your yearly "wellness" visit and "Welcome to Medicare" preventive visit at no cost to you.For more information contact Charles Yost of Medicare Plan Advisory at (203) 856-7391 or cyost@medicareplanadvisory.com.

03/15/2020

If you missed your Initial Enrollment Period, you may want to sign up for Medicare Part A and/or Part B during the General Enrollment Period, which runs annually from January 1 to March 31. For more information about what your current plan covers contact Charles Yost of Medicare Plan Advisory at (203) 856-7391 or cyost@medicareplanadvisory.com.

03/10/2020

You've likely heard about the Coronavirus (officially called "2019-Novel Coronavirus" or "COVID-19") in the news. While there isn't a vaccine yet and the immediate health risk remains low, Medicare is still here to help.
Your Medicare Part B (Medical Insurance) covers a test to see if you have Coronavirus. This test is covered when your doctor or a health care provider orders it, if you get the test on or after February 4, 2020. You usually pay nothing for Medicare-covered clinical diagnostic laboratory tests.
To prevent the spread of this illness or other illnesses, including the flu:
• Wash your hands often with soap and water,
• Cover your mouth and nose when you cough or sneeze,
• Stay home when you're sick, and
• See your doctor if you think you're ill.

For more information regarding your Medicare coverage contact Charles Yost of Medicare Plan Advisory at (203) 856-7391 or cyost@medicareplanadvisory.com.

02/29/2020

Do you have Medicare along with other health insurance? If so, you may be wondering “who pays first?” Learn how Medicare coordinates with your other coverage. Contact Charles Yost of Medicare Plan Advisory at (203) 856-7391 or cyost@medicareplanadvisory.com.

02/22/2020

A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn't cover, like:
• Copayments
• Coinsurance
• Deductibles

The best time to buy a Medigap policy is during your 6-month Medigap open enrollment period that begins on your birthday month. During that time you can buy any Medigap policy sold in your state, even if you have health problems. This period automatically starts the month you're 65 and enrolled in Medicare Part B (Medical Insurance). After this enrollment period, you may not be able to buy a Medigap policy. If you're able to buy one, it may cost more. If you apply for Medigap coverage after your open enrollment period, there's no guarantee that an insurance company will sell you a Medigap policy if you don’t meet the medical underwriting requirement. For more information contact Charles Yost of Medicare Plan Advisory at (203) 856-7391 or cyost@medicareplanadvisory.com.

02/15/2020

When you're first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B starting 3 months before the month you turn 65 and ending 3 months after the month you turn 65. Not sure how to register? Medicare Plan Advisory can help. Contact Charles Yost at (203) 856-7391 or cyost@medicareplanadvisory.com.

02/08/2020

Retiring?
Individuals who have group health plan coverage based on their own current employment or the employment of their spouse, may enroll in Part A ( if they have to buy it) and/or Part B anytime while covered under the group health plan during a Special Enrollment Period that occurs during the 8 month period immediately following the last month of the group coverage.
For more information contact Charles Yost of Medicare Plan Advisory at (203) 856-7391 or cyost@medicareplanadvisory.com.

02/05/2020

When you're first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B. But if you missed your chance to sign up, you can enroll now, during the General Enrollment Period. General Enrollment ends on March 31. Coverage will begin July 1st of the year they enroll. During the Initial Enrollment Period, you can also enroll in Medicare Advantage plans (Part C) and Prescription Drug Plans (Part D). For more information contact Charles Yost of Medicare Plan Advisory at (203) 856-7391 or cyost@medicareplanadvisory.com.

01/25/2020

Don’t pay out money if you aren’t aware of Medicare 2020 changes that include a Part B deductible that will increase to $198 or that Supplement Plan F and Plan C will no longer be available to those who become eligible on or after January 1, 2020. Medicare will begin closing the Medicare Part D Donut Hole in 2020. To review your own plan, call Medicare Plan Advisory at 203-856-7391 or email at cyost@medicareplanadvisory.com

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Norwalk, CT
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