Sam Burgess

Click Here to View Full Newsletter //jeffgrimm.lpages.co/leadbox-1502312966.js Dave Silver Insurance Agency Newsletter – November 2018 syndicated from http://www.davesilverinsurance.com/

Prescription Drug Coverage is a health plan that helps pay for prescribed medications. Providing for healthcare costs is not an easy task. Learning ways to get discounts with your health plans such as prescription drug coverage can help you save better to achieve optimum health. Know Which Drugs Are Covered By Your Plan To help you spend less with the prescription drug coverage, you need to know which drugs are covered. Some health plans cover medications as long as it is prescribed but some drugs are only covered for treatment of specific health conditions. To help you know which drugs are covered, you have to secure a copy of the list of drugs or the formulary. You can ask a copy from your insurance company. Learn Total Payments For Prescribed Drugs Under Your Plan Health plans can include drug coverage that is: • Before a Deductible – If the plan covers drugs before you meet the deductibles, then you will have to abide to copayments and coinsurance. Out-of-pocket-costs will de

As the society continues to develop, there is an increased need for the workforce. Working for at least eight hours a day might be a stressor and might pose risks to one’s health. And yet, financing for healthcare costs is another story. The availability of Medicare Advantage Plans has helped working adults with regard to these situations. What Is Medicare Advantage Plan? You can get Medicare Advantage Plans once you have the Original Medicare (Part A/Hospital and Part B/Medical). This is sometimes being referred to as Part C or MA Plans that are offered by private companies. The plan will provide all the coverage of Part A and B. Medicare Advantage Plan is different from a Medicare Supplement Plan in a sense that the former is a way to get Medicare benefits while the latter supplements the out-of-pocket costs of the Original Medicare benefits. Types of Medicare Advantage Plan • Health Maintenance Organization (HMO) plan – In most HMO’s, you can only go to doctors and hospitals c

Diseases, accidents or alterations in health conditions can happen to anyone, anytime. This can lead to increased worries including payment for high healthcare costs. Having health insurance can help a person save more by paying for healthcare fees. What Health Insurance Covers Health insurance is a type of insurance that provides payment for medical and surgical fees of a person who is insured. Health insurance has a wide variety of covered services that may vary depending on the plan that a person has enrolled in. Most services included in health insurance plans are outpatient and inpatient care, emergency services, and laboratory and diagnostic procedures. Moreover, these can also cover newborn care and pediatric services, mental health promotion, rehabilitative care, and preventive actions such as screenings, counseling, vaccination, etc. How Health Insurance Protects You From High Medical Costs People who are not covered with insurance are at increased risk for paying high me

You might be thinking about retirement for a short period from now as well as possible finances to maintain your health. You might be wondering if you will proceed in getting Medicare Supplement Insurance. The answer will depend on your circumstances, but it is essential to know how this insurance plan can benefit you. Medicare Supplement Insurance: An Overview You can only apply for Medicare Supplement Insurance when you have enrolled in the Original Medicare, Part A and B. The supplement insurance provides additional payment for the out-of-pocket costs of the Original Medicare. Private companies offer Medicare supplement plans. These plans can cover costs that are not covered by Original Medicare such as copayments, coinsurance, and yearly deductibles. It can also pay for expenses of emergency overseas travel and excess charges of Part B. Benefits of Medicare Supplement Insurance • It can help pay for costs not covered by the Original Medicare. This can help provide for finances