Prescott Medicare Open Enrollment information

Adler Insurance wants you to know that every year, Medicare open enrollment is available from October 15 through December 7. Medicare health and drug plans may have changed their costs, coverage, and which providers and pharmacies are now included in their networks. This is the only time when all people with Medicare can change their health and prescription drug coverage for the following year.

People with a Medicare health or a prescription drug plan should always review the materials that their plans has sent them. Make sure you carefully review the “Evidence of Coverage” (EOC) and “Annual Notice of Change” (ANOC). If anything is changing, you should make sure that it will still meet your needs for the following year. If you are satisfied with your current plan you don’t need to do anything.

Information for next year’s plans will be available beginning in October. You can find your Medicare plan information and compare plans at 800-MEDICARE or Medicare.gov. 

If you have special needs, Medicare has outreach and media materials for English-speaking and other audiences that can help you to aid others with Medicare open enrollment.
 
Adler Insurance in Prescott, AZ is more then happy to answer any questions you may have regarding Medicare open enrollment. We're experts when it comes to evaluating your insurance needs, and are here to help you. Give us a call at 928-710-1455 or visit our website at: http://www.adlerlifehealth.com.

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Adler Insurance discusses Medicare enrollment in Prescott

The Medicare Part D prescription drug plan can be very confusing. Adler Insurance can help you with your Medicare enrollment in Prescott and explain what you should consider when choosing a Medicare Part D plan.

If you are a recipient of Medicare coverage, you are eligible to receive Medicare Part D. This helps with the following: Cover the cost of prescription medications, can be offed as a stand alone plan or complement a Medicare Supplement Plan, and can be a complement to Part C.

All Part D plans have been approved by Medicare in Prescott. Each plan is different as well as the cost. This mean you must take into consideration the pros and cons of each plan.

Questions you should ask yourself:
How often do you take prescription drugs?
What are the types of drugs do you take?
Do you take brand name or generic drugs?
Would you prefer a yearly deductible or a cheaper monthly premium?

Not all Medicare Part D plans are the same. The costs of Medicare Prescription Drug Plans vary and come with a different lists of drugs (formularies) that are covered under the plan. Most Plans divide the drugs up into at least four categories, with a different price for each category.

There are specific times when you can sign up for these plans, or make changes to coverage you already have. You don’t need to sign up for Medicare each year. However, each year you’ll have a chance to review your coverage and change plans.

Adler Insurance in Prescott, AZ is more then happy to answer any questions you may have on Medicare Part D. We're experts when it comes to evaluating your insurance needs, and are here to help you. Contact us at 928-710-1455. Visit our website at: http://www.adlerlifehealth.com.

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Who is eligible for Medicare?

Adler Insurance in Prescott brings you these helpful tips about Medicare eligibility. Medicare is available for people age 65 or older, younger people with disabilities and people with End Stage Renal Disease. Medicare has two parts, Part A (Hospital Insurance) and Part B (Medicare Insurance).

To find out if you are eligible and your expected premium, go the Medicare.gov eligibility tool.

If you (or your spouse) did not pay Medicare taxes while you worked, and you are age 65 or older and a citizen or permanent resident of the United States, you may be able to buy Part A.

If you are under age 65, you can get Part A without having to pay premiums if:

•You have been entitled to Social Security or Railroad Retirement Board disability benefits for 24 months.

•You are a kidney dialysis or kidney transplant patient.

While most people do not have to pay a premium for Part A, everyone must pay for Part B if they want it. This monthly premium is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you do not get any of these payments, Medicare sends you a bill for your Part B premium every 3 months.

Since January 1, 2006, anyone with Medicare, regardless of income, health status has had access to prescription drug coverage.

Medicare eligibility can be confusing, so contact Adler insurance today for more information and clarification for what is right for you. Call 928-710-1455 or visit our website http://www.AdlerLifeHealth.com.

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How a Marketplace healthcare insurance plan protects you - Adler Health Insurance in Prescott

 Healthcare insurance covers essential health benefits critical to maintaining your health and treating illness and accidents. Healthcare insurance protects you from unexpected, high medical costs. You pay less for covered in-network health care, even before you meet your deductible.Adler insurance in Prescott brings you these helpful tips.

When you have coverage, your plan protects you from high medical expenses 3 ways:

• Reduced costs after you meet your deductible.
• Out-of-pocket maximum
• No yearly or lifetime limits

You get free preventive care, like vaccines, screenings, and some check-ups, even before you meet your deductible.If you have a Marketplace plan or other qualifying coverage, you don’t have to pay the penalty that people without coverage must pay.

In conclusion, Healthcare insurance is crucial to your day to day life as accidents can happen at anytime! Contact Adler insurance today for more healthcare insurance information. Call 928-710-1455 or visit our website http://www.AdlerLifeHealth.com

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Why Healthcare Insurance Coverage Is Important - Adler Insurance in Prescott

No one plans to get sick or hurt, but most people need medical care at some point. Healthcare insurance covers these costs and offers many other important benefits. Healthcare insurance provides important financial protection in case you have a serious accident or sickness.

People without healthcare coverage are exposed to these costs. This can sometimes lead people without coverage into major debt or even into bankruptcy. Adler insurance brings your this helpful healthcare information.

It’s easy to underestimate how much medical care can cost:

• Fixing a broken leg can cost up to $10,000.
• The average cost of a 3-day hospital stay is around $30,000.
• Comprehensive cancer care can cost hundreds of thousands of dollars. Having healthcare insurance can help protect you from high, unexpected costs.

In conclusion, Healthcare insurance is crucial to your day to day life as accidents can happen at anytime! Contact Adler insurance today for more healthcare insurance information. Call 928-710-1455 or visit our website http://www.AdlerLifeHealth.com

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Life Insurance ... Do you really need it?

No one wants to admit that they could die unexpectedly. But the last thing you want is to be unprepared by not having the proper life insurance policy in place should disaster strike. Adler Insurance brings you these wonderful tips on Life Insurance.

There are two types of life insurance.

1.Term Life Insurance
2.Whole Life Insurance

The difference between whole and term is that whole is a lifelong policy with an added investment component to it, where you can build up cash tax-free. However, the built-in fees, commissions and surrender charges if you cancel the policy take such a significant chunk out of your investment that most personal-finance experts agree there are better places to invest your money. With term life insurance, in exchange for fixed premiums that you pay monthly, you are covered for a set number of years and only receive death benefits.

While some life insurance agents aim to guide you toward whole life insurance over term life insurance, term makes sense for some people. Term coverage is the appropriate coverage for most individuals, as their needs are for a certain term of years while their other assets accumulate, such as retirement savings and/or Investment portfolios.

There are a few select circumstances where you might be better off with whole life insurance. For example, if you have children who are handicapped and will be financially dependent on you their whole lives, you may want to consider the permanent coverage.

Americans struggling with their finances in today's downtrodden economy may think they can save money by skimping on life insurance. Approximately 30 percent of U.S. households have no life insurance coverage and among households with children under 18, over 11 million have no coverage.


For parents who still have children living at home, not having a life insurance  policy could put their kids at risk if something were to happen to them. In the  event that a parent die, a life insurance policy can provide a safety net for  the children to live off of.  So you purchase a term insurance policy to  cover your spouse or your kids, but then what?  Once the child is grown, most people can let the policy expire.


If you are looking to purchase a life insurance policy, or have questions about where to begin, please contact Adler Insurance 928-710-1455 or visit our website at http://www.AdlerLifeHealth.com

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Do you need an insurance agent for medicare?

With approximately 10,000 people turning 65 every day in the United States, there is a lot of interest in Medicare.  Every day people are searching the internet to learn about the rules, the features, the benefits and the choices they have when it comes to Medicare. These tips are brought to you by Adler Insurance in Prescott, AZ

 One of the first questions people often ask of themselves is “Do I need an insurance agent for Medicare?”  Well, Medicare is complicated, the new terms can be confusing at first.  It takes time to learn, especially for those that do not work with insurance every day.  And it is easy to miss important information and to make wrong choices that cost thousands of dollars down the road.

The right insurance agent can help save you time, reduce confusion or the frustration of learning something new and can save you thousands of dollars in medical expenses that you may not be considering when wading knee-deep in Medicare regulation. 

What we have found in our many years of experience in the industry is that most people who choose not to seek the help of a professional agent do so because they fear being sold something.  It’s like how people feel when they walk into a car dealership.  They want a car, and they wouldn’t mind some honest help in considering what to purchase, but they don’t want to be “sold” a car.

A second reason for not seeking advice from a professional is the belief that you can get all the information you need on their own.  Well, that is true, the information is available. However, as a wise man once told me; “Knowledge is not wisdom, and wisdom is not experience.”  Anyone can get the knowledge they need from the Medicare & You handbook and the Choosing a Medigap Policy publication.  You can even call Medicare or other government services.  But, none of those sources can pass along what a good professional has learned from experience.

At Adler Insurance we can help take the hassle and confusion out of Medicare! Call us today. 928-710-1455 or visit our website http://www.adlerlifehealth.com

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