Medicare open enrollment begins
October 15, 2017

Changes during this time take effect
January 1, 2018.

Open enrollment concludes
December 7, 2017.

Hospice violations not addressed

I found this article to be disturbing.  I’m sure you will too.  If you know someone who has used hospice services you may want to read this article

A violation that caught my attention:

  • Putting the patient in potentially physically harmful situations
  • Also disturbing is that regulators have not been checking on these agencies.

Read the article on the Huffington Post

 

Medicare open enrollment begins
October 15, 2017

Changes during this time take effect
January 1, 2018.

Open enrollment concludes
December 7, 2017.

Medicare Open Enrollment 2014 started

OPEN ENROLLMENT FOR MEDICARE & INDIVIDUALS

Recent research by Insurance Business Review proves that more than 60% of people have difficulty understanding their health insurance plan.  Nearly 40% feel they picked the wrong plan. To bring transparency and simplicity to the changing health insurance market, we have geared up our office for walk-in, call-in, and online enrollment.

Our company helps you decipher between all the available plan benefits. We break plans down to a simple language so you can feel confident about the plan you choose.  And best of all, as a Certified Insurance Agent with the State of California, our service is FREE to you! We will help you walk through the plan selection and enrollment process.

 Take the next step — Two ways to set your appointment:

Some important date and information you will need to know for 2015.

Medicare Open Enrollment Dates – October 15, 2014 to December 7, 2014

Read about other important updates regarding health insurance on our main Insurance website – Calrima.com

http://calrima.com/open-enrollment-medicare-individuals-small-businesses/ – Health insurance updates on our main inurance website

Medicare open enrollment begins
October 15, 2017

Changes during this time take effect
January 1, 2018.

Open enrollment concludes
December 7, 2017.

Medicare Annual Enrollment Period LinkedIn

Yes, amazingly this year – Bruce Springsteen, Billy Joel, Lionel Richie, Meryl Streep turned 65 earlier this year and Sigourney Annuity quotes online - are part exclusive five key elementsWeaver, Bruce Jenner, Jeff Bridges and Don Johnson turn 65 later this year.  Where has the time gone?  WTF (wee time flies) – It’s hard to believe!

Medicare 2014 open enrollment updates LinkedIn

Medicare 2014 Open Enrollment Dates – October 15 to December 7, 2014

Take the next step — Two ways to set your appointment: (no cost or obligation to you)

  • Phone: 408-459-8383 – call with questions or simply set a time to review your situation.
  • Book online: https://marylee.youcanbook.me/ – you can choose a time that works best for you
  • Then fill out this form PDF

We know you have choices – what we would like you to understand is what makes our service superior.  Mary does not have clients, Mary has raving fans.  Mary formerly worked for a medical group in the contracting and claims processing department.  Her job was to get the Insurance Companies to pay the bills.

As an example: A client (fan) had a knee surgery.  The bill was over $47,000.00.  The client had recently worked with Mary to tune his Medicare coverage. Consequently the bills were covered shy of $200.  The client (fan) wanted to understand why this one bill was not covered.  Mary called CMS, then the medical group, then the insurance company.  Well, when she was done the bill was paid.  Mary now has this person’s friends, neighbors and even his step-daughter as clients (fans).

We can’t promise this will happen to you.  We ask if it were to happen to you would you want Mary to be your advocate or someone who may not be your advocate?

Here is what Mary’s fans are saying – on Yelp

The Center for Medicare Services (CMS) has declared the 2015 Medicare Annual Enrollment Period to be from October 15th, 2014 through December 7th, 2014. All elections made during that time period will be effective January 1st, 2015. What this means for you as a client is that there is a limited time in which we can review your current coverage and compare the new plan options available in your area, and that you should contact us as soon as possible so that we can schedule an appointment that fits your schedule.  There is a phone number and interest form below.

It is essential to carefully choose the plan you want to enroll in for the coming year. For 2015, there will be a 45-day Annual Disenrollment Period from January 1st through February 14th, during which a Medicare beneficiary may make one disenrollment from a Medicare Advantage plan to Original Medicare and a Part D plan. You can no longer make changes between MAPD (Medicare Advantage Prescription Drug Plan) plans during this time.

Calrima Financial & Insurance Agency has proudly served the needs of the senior market since 2006 (Mary’s insurance industry experience dates back over 20 years), and we look forward to continuing our tradition of outstanding customer service through the coming year. We value your business and invite you to contact us at your earliest convenience to start planning for the coming year.

To schedule time to review your situation with Mary Lee – please call 408-459-8383.

[contact-form][contact-field label=’Name’ type=’name’ required=’1’/][contact-field label=’Email’ type=’email’ required=’1’/][contact-field label=’Phone’ type=’text’ required=’1’/][contact-field label=’Comment’ type=’textarea’/][/contact-form]

Medicare open enrollment begins
October 15, 2017

Changes during this time take effect
January 1, 2018.

Open enrollment concludes
December 7, 2017.

Medicare Annual Enrollment Period

Yes, amazingly this year – Bruce Springsteen, Billy Joel, Lionel Richie, Meryl Streep turned 65 earlier this year and Sigourney Annuity quotes online - are part exclusive five key elementsWeaver, Bruce Jenner, Jeff Bridges and Don Johnson turn 65 later this year.  Where has the time gone?  WTF (wee time flies) – It’s hard to believe!

The Center for Medicare Services (CMS) has declared the 2015 Medicare Annual Enrollment Period to be from October 15th, 2014 through December 7th, 2014. All elections made during that time period will be effective January 1st, 2015. What this means for you as a client is that there is a limited time in which we can review your current coverage and compare the new plan options available in your area, and that you should contact us as soon as possible so that we can schedule an appointment that fits your schedule.  There is a phone number and interest form below.

It is essential to carefully choose the plan you want to enroll in for the coming year. For 2015, there will be a 45-day Annual Disenrollment Period from January 1st through February 14th, during which a Medicare beneficiary may make one disenrollment from a Medicare Advantage plan to Original Medicare and a Part D plan. You can no longer make changes between MAPD (Medicare Advantage Prescription Drug Plan) plans during this time.

Calrima Financial & Insurance Agency has proudly served the needs of the senior market since 2006 (Mary’s insurance industry experience dates back over 20 years), and we look forward to continuing our tradition of outstanding customer service through the coming year. We value your business and invite you to contact us at your earliest convenience to start planning for the coming year.

To schedule time to review your situation with Mary Lee – please call 408-459-8383.

[contact-form][contact-field label=’Name’ type=’name’ required=’1’/][contact-field label=’Email’ type=’email’ required=’1’/][contact-field label=’Phone’ type=’text’ required=’1’/][contact-field label=’Comment’ type=’textarea’/][/contact-form]

Medicare open enrollment begins
October 15, 2017

Changes during this time take effect
January 1, 2018.

Open enrollment concludes
December 7, 2017.

Social Security Myths

When you look at income planning for retirement, most likely Social Security is part of that planning.  Many people don’t realize the true value of Social Security income.  I have met with many people who have pensions that have been level for 10, 15 or more years.  Inflation simply was not addressed during those years, which eats away at their buying power.

As of November 2015 how Social Security Planning works has forever been altered.  If you are 62 or older on December 31, 2015 you still have options.  If you are younger, your options have changed.  By “you” we mean you and/or your spouse.  We can clarify all of this for you – see our other website, iXray Social Security

We have a complete website dedicated to Social Security planning – iXray Social Security

You likely know that Social Security income can grow over time. This adjustment is called a cost of living adjustment.

Please don’t discount the true value of Social Security income planning.Social Security Breaking even by waiting longer

However, there are serious gaps in people’s knowledge. Many options exist regarding income planning.  I have met people who started early at 62. Most of these people really should have waited until full retirement age.

We will be pointing out strategies that will help you maximize your benefits.

Strategies to consider

  • Spousal planning
  • File and suspend – read about this on iXray Social Security
  • Waiting until full retirement age

Waiting will cause your benefits to be bigger – unless you are impacted by the changes of November 2015

What would be best – more checks or larger checks?

There is much to take into account before you make your final choice.  There are subjective considerations to take into account.  One key question to ask – will you live past the break even point?  The break even point is when your cumulative income crosses over from having smaller checks vs having fewer but larger checks.