(865) 712-5711 benneaf@charter.net

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We want you to be informed about your insurance benefits

When Your 80/20 Becomes 65/35

Part B of Medicare works like an 80/20 plan.  Hypothetically, if an office visit were to cost $100; Medicare would pay $80 and you would pay $20.  That's not a bad deal at all.  Did you know that there are times when that is not the case?  Some doctors will work with...

What if Medicare Did Not Exist?

Think about this...what if Medicare didn't exist? The least expensive policy (outside of Medicare) I can get a 65 year old is a High Deductible plan for over $500 a month in premium. However, Medicare does exist and the most expensive Mac Daddy Cadillac plan available...

What is the Part A Deductible?

The Part A deductible can change a little from year to year just as other parts of medicare do.  For 2016 the deductible is $1288 per benefit period for hospitalization.  That begs the question, "what is a benefit period?"  Let's say you enter the hospital today....

Why Term Instead of Permanent Life Insurance?

You expect me to just say, “because term is less expensive than permanent.”  That’s true, but it’s not the whole story.  The bottom line is you can afford to be covered with term and a lot of us cannot afford to be covered with permanent. What does that mean…”you can...

Comparison Shopping and Medicare

What if health insurance companies really did compete on price and service? How would that happen? In order to allow people to truly compare prices policies would have to be standardized. Right now in the 64 and under market insurance companies can change deductibles,...