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      "body": "You can enroll in Medicare health and drug plans from October 15 – December 7.\n\nGet ready for Medicare’s Open Enrollment with these 5 tips:\n\n1. Check your mail. You may get important notices from Medicare or Social Security. If you’re in a Medicare plan, you’ll get an Annual Notice of Changes (ANOC) telling you of any changes in coverage, costs, or service area. Note any 2022 changes to your health coverage or any Extra Help you may get to pay for prescription drugs.\n\nYou may also get brochures and other marketing materials from insurance companies that offer Medicare health and prescription drug plans. Remember — plans aren’t allowed to call or come to your home without an invitation from you. Find out how to protect yourself from Medicare fraud here ---> https://www.medicare.gov/forms-help-resources/help-fight-medicare-fraud\n\n2. Think about your Medicare coverage needs for 2022. Carefully review your current Medicare coverage, and note any upcoming changes to your costs or benefits. Decide if your current Medicare coverage will meet your needs for the year ahead. If you like your current coverage, and it’s still available for 2022, you don’t need to take any action to keep it.\n\n3. Review your 2022 “Medicare & You” handbook here ---> https://www.medicare.gov/Pubs/pdf/10050-Medicare-and-You.pdf It has information about Medicare coverage and Medicare plans in your area. If you want to get your handbook electronically, you can go paperless by logging into (or creating) your secure Medicare account.\n\n4. Preview 2022 health and prescription drug plans. We make it easy to compare coverage options and shop for health plans. For a personalized search, log in or create an account (if you have a Medicare Number) to create or access a list of your drugs, compare your current Medicare plan to others, and see prices based on any help you get with drug costs.\n\n5. Get personalized help in your community. You may be able to find free information and events online, or get help from health insurance counselors in your area by phone, like your State Health Insurance Assistance Program. ---> https://www.shiphelp.org/\n\n\nAs always, feel free to reach out for additional and personal information ---> https://carolinaadvisors.com/contact/",
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      "body": "When you first becomes eligible for Medicare, you can either choose Original Medicare or Medicare Advantage.\nIf you choose Original Medicare, you may go with a Medicare Supplement Plan (Medigap) to help fill in the gaps in Medicare Part A and Part B coverage.\n\n![adv vs supp.jpeg](https://cdn.steemitimages.com/DQmUi2Pb4pTS14XfnVYhyyKVf7dAdKKQskEnfhjehcJSDb7/adv%20vs%20supp.jpeg)\n\nMedicare Supplement Plans have been part of Medicare's history since 1992. As with most things involving Medicare, changes occurred over the years. There have been plans that were eliminated, as well as new plans introduced. Compared to the much newer Medicare Advantage Plans, Medicare Supplement Plans do tend to have higher premiums, but a person’s costs may be lower than a Medicare Advantage Plan over time. Most Medicare Beneficiaries are willing to accept a higher premium once they know that their Medigap policy will pay most, if not all, of their out-of-pocket expenses.\n\nAnother popular feature of a Medicare Supplement Plan is that you may go to any provider or facility in the country who accepts Medicare assignment.\n\nOnce you enroll in Medicare Part B (medical insurance), you’ll have a one-time enrollment window to buy a Medicare Supplement Policy. This window is known as the Medigap Open Enrollment Period,  OEP for short. This window lasts for 6 months, beginning on the first day of the month in which a person turns both 65 or older and is enrolled in Medicare Part B. For example, if you turn 65 on July 14, and are enrolled in Medicare Part B, you’ll have until Dec. 31 to enroll in a Medigap plan.\n\nWhen you apply within your Medigap OEP, your acceptance into the plan is guaranteed. Plans can’t charge more if you have a pre-existing health condition. To purchase a Medigap Plan, you must be enrolled in both Medicare Parts A and Part B. Once you’re outside your Medigap OEP, you may need to pass medical underwriting. An insurer can review your medical history and refuse to sell you a policy, or sell you a policy at a much higher cost, if you do not meet their full underwriting requirements.\n\nSometimes you may be able to join a Medigap Plan outside of your open enrollment window and not be subject to medical underwriting. For example, if you’re enrolled in a Medicare Advantage Plan and the plan leaves the Medicare Program, you have a “guaranteed-issue right” to apply for a Medigap Plan. If you will be losing a Medicare Advantage Plan because you are moving out of your plan’s service area, you will also have a guaranteed-issue right to a Medicare Supplement Policy without being subject to medical underwriting.\n\nYou may also qualify for a guaranteed-issue right if you joined a Medicare Advantage Plan during your Medicare OEP and wish to return to Original Medicare during the first 12 months. Losing employer group health coverage is another common situation when you have guaranteed-issue rights.\n\nWhat happens when you’re Medigap OEP has passed and you don’t qualify for a guaranteed issue right? That’s when medical underwriting comes into play. Medical underwriting is a process in which an insurer collects detailed information about your health and medical history. Based on this information, an insurer can decide whether or not to approve your application and / or determine the cost of the policy. It stands to reason that people with a history of medical problems will pay more for insurance than people with no such history, or the insurer can deny coverage altogether. Some insurers may impose a waiting period if the applicant has a pre-existing condition and if state law allows it.\n\nInsurers can ask questions about your pre-existing medical conditions, medications, height and weight, hospitalization, nursing facility use, planned medical procedures, and much more. Insurance underwriters may call applicants to verify or clarify their responses. Every insurer has their own underwriting guidelines. Some are more restrictive than others.\n\nMost of the time, insurers will not consider minor things like seasonal allergies or the flu. Typically, an insurer will not exclude someone if they take maintenance medications for high blood pressure or cholesterol. You will need to report any prescription medications you have taken over the last two to five years.\n\nInsurers will not offer a Medigap Policy to someone who is morbidly obese or seriously underweight. Insurers have “build charts” that show acceptable weight ranges for various heights, and by gender. If you plan to have surgery soon, you should probably get it done before you apply for a Medigap Plan. When it comes to potentially disqualifying situations, expensive surgeries and procedures are red flags. Rarely will an insurer approve coverage for someone having major surgery. So, you should have the procedure done, including any follow-up visits or therapy before you complete an application for Medigap coverage. Generally, the more chronic conditions you have, the greater chance you will be turned down for a policy. Again, underwriting guidelines are different for every insurer. An experienced Insurance Broker can effectively help the initial underwriting screening process.\n\nIf you wish to change Medicare Supplement Plans to save on costs or get better coverage, and you're outside of your open enrollment window and you are not entitled to any guaranteed-issue right, you will have to go through medical underwriting. Some illnesses are treatable but incurable. This commonly includes dementia, chronic lung disorders, and various immune disorders like rheumatoid arthritis, lupus, or multiple sclerosis, just to name a few.\n\nUnfortunately, many insurers will exclude you from coverage. A person that has diabetes may stand a better chance of being approved when they take just a few oral medications or use less than 50 units of insulin daily.\n\nHere are some tips.\n\n•Allow yourself plenty of time to complete the health questionnaire.\n\n•Answer all questions truthfully, but don’t volunteer any additional information unless the underwriter asks you.\n\n•Use yes and no answers to questions whenever possible.\n\n•Don’t cancel your current coverage, if any, until a determination is made on your application.\n\nIt’s worth mentioning here that the open enrollment period in the fall for Medicare Advantage and Part D Plans (October 15th - December 7th) does not apply to Medicare Supplement Plans. The fall open enrollment period is not the time when you can apply for a new Medigap carrier and skip the health questions. If you can’t pass underwriting, you have to make a choice. You can keep your existing policy or consider the Medicare Advantage alternative, which has no health questions.\n\nLior Sela, CEO of Carolina Advisors Group, has over 15 years experience with Medicare.\n\nIf you have additional Medicare questions, please call him: 843-602-9584 or Email him: [email protected]\n\n![Medicare-Card.png](https://cdn.steemitimages.com/DQmW7k9ZVuFY6GS3SE7trP3JzFwYYRxgVeD6tooRX2topes/Medicare-Card.png)",
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      "body": "![guarantee.jpg](https://cdn.steemitimages.com/DQmc2JL4AVs27tw6zq6YxG8FQnxKTPQm9P3QB9TMDADgbfG/guarantee.jpg)\n\nSelecting the right life insurance might be one of the most important financial decisions you will make. To help you make a well-informed decision you need an understanding of the kinds of life insurance and how they can benefit you.\n\nThere are two basic types of life insurance: term and permanent.\n\n1. Term insurance is often purchased to cover a temporary need. It generally lets you pay lower initial premiums than permanent coverage.\n\n2. Permanent insurance can provide the opportunity for a lifetime of protection. Additionally, it provides tax-advantaged income and tax-deferred cash value.\n\nUnlike term life insurance, permanent life insurance may offer cash value that can help give you the confidence that you are protecting your dreams. Along with lifetime insurance protection, it can help you grow your wealth and future income.\n\n-Three ways to benefit-\n\nCarolina Advisors Group offers three primary types of cash value life insurance:\n\n1. Universal life\n2. Indexed universal life\n3. Whole life\n\nEach offers the following unique benefits:\n\n* An income tax-free death benefit to your heirs. You can pass on a greater legacy to your beneficiaries because they will not pay income taxes on the death benefit they receive.\n\n* Tax-advantaged growth of your assets. Incorporating cash value life insurance as a component of your retirement plan gives you the opportunity to grow your assets tax-deferred — whether through fixed, or indexed accounts — and helps achieve your long-term financial goals.\n\n* A source of tax-free income for retirement — or for other goals — through \nwithdrawals or loans. As you look at your retirement strategy, your advisor can help you create a balanced approach that includes sources of taxable, tax-deferred and tax-free income in retirement to help you meet your retirement savings goals. Cash value life insurance is one of the relatively few retirement accumulation tools that can provide you with a potential source of income tax-free supplemental retirement income. Keep in mind, accessing policy cash value through loans and surrenders may cause a permanent reduction of policy cash values and death benefits.\n\n- A fixed account option. The value of some fixed assets can be negatively impacted when interest rates go up. Fixed account rates in cash value life insurance follow interest rates and increase with them.\n\nBefore you purchase life insurance, be sure to ask your financial advisor about the policy’s features, benefits, risks and fees, and whether they think the life insurance is appropriate for you based on your financial situation and objectives.\n\n- How your cash value grows\n\nEach cash value life insurance policy offers the option to grow your cash value safely within a fixed account that pays a guaranteed interest rate. Indexed universal life provides additional opportunities for growth of your cash value through indexed accounts. All guarantees are backed by the continued claims-paying ability of the issuing company.\n\nUniversal life\n\n* Cash value is credited with a current fixed interest rate.\n\nIndexed universal life\n\n* Cash value in the indexed account is credited with a rate based on the performance of a well-known index.\n\n* In exchange for a cap on the growth, the cash value is protected from negative returns through a guaranteed floor.\n\nWhole life\n\n* Cash value will increase by dividends, which can be used to buy additional paid-up life insurance or be distributed to the insured.\n\n \n\nWhich is right for you?\n\nMeet with your financial advisor to learn more about how cash value life insurance can benefit your financial planning strategy.\n\nhttp://carolinaadvisors.com/contact.html",
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      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://www.investopedia.com/articles/pf/08/what-to-expect-insurance-application.asp",
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      "body": "![guarantee.jpg](https://cdn.steemitimages.com/DQmYeMtp7PZbwvdMnRxHtGx1ZYdHr191mFGsDxgZXsVaYmR/guarantee.jpg)\n\nLife insurance can help ensure that your dependents have the resources they need to replace your income after you die. But how do you go about purchasing coverage? And what can you do to get the best possible rate? Understanding the process for obtaining life insurance can provide you with options for getting the coverage you need at a price you can afford.\n\nDetermining Your Policy and Coverage\nThere are two main categories of life insurance – permanent life insurance (which provides coverage for your entire life) and term life insurance (which provides coverage for a set period of time). You can learn more about life insurance options by contacting a local insurance broker and by getting information from your state department of insurance website.\n\nOnce you have decided to purchase life insurance, you’ll need to determine your coverage amount – how much your beneficiaries will need after you die. Selecting coverage depends on several factors, including the age of your dependents, your spouse’s financial ability and your combined financial resources.\n\nTips for the Application Process\nYou will need to complete an application to purchase life insurance. The application will ask for basic information, such as your name, address, and employer.\n\nIt will also ask for the following personal information:\n\n- Height\n- Weight\n- Date of birth\n- Lifestyle habits (i.e., smoking, drinking, exercise)\n- Financial information, including your annual income and net worth\n\nWhile it may be tempting to lie about your weight or other health issues, it’s important, to tell the truth. If the company discovers that you lied about a health condition or lifestyle, it can increase your premium, cancel your policy and/or deny a beneficiary’s claim to the death benefit.\n\nSome insurance companies will accept your answers to health-related questions on the application. However, some companies require an in-person medical exam. A life insurance agent will arrange for a paramedical (a licensed healthcare professional contracted by the insurance company) to meet you at your home, office or a clinic selected by the insurance company.\n\nDuring the exam, the paramedical will likely:\n\n- Take your medical history (including medical conditions, surgeries, and any prescription medications)\n- Ask about your immediate family’s medical history\n- Take your blood pressure\n- Listen to your heartbeat\n- Check your height and weight\n- Draw a blood sample\n- Get a urine sample\n- Ask about lifestyle habits that could affect your health (such as exercise, smoking, drinking, recreational drug use, frequent travel or high-risk hobbies)\n\nThere may be additional tests you need to undergo depending on your age, the type of policy you want and the amount of coverage you’re applying for.\n\nNext, an underwriter at the insurance company will review your application and medical exam results. He or she may order medical records from your physician to learn more about any medical conditions you may have and any treatment received. This information helps them determine what risk you represent to the company financially and how much to charge you for coverage. If you lie about a medical condition, the insurance company may not only deny you coverage but may also “red-flag” you, meaning that other insurers will know you were denied coverage because you lied.\n\nOnce your application and medical exam have been reviewed, the company will either approve or deny your request to purchase coverage. That process can take days or weeks, depending on if you have submitted a complete application, how long it takes to receive lab results, if the company requests information from your physician, and so on.\n\n-Ways to Reduce Your Life Insurance Premium-\n\nWhile you can’t do anything about two of the three main factors affecting your insurance premium (age and family medical history), there are steps you can take regarding the third – lifestyle. You could lower your insurance premium if you:\n\n- Quit smoking. As a non-smoker you are likely to live longer, meaning the life insurance company will have more years to collect your premium payments before having to possibly pay out on the policy when you die.\n- Lose weight. Weight loss often means lower cholesterol levels, lower blood pressure and lower risk of developing chronic diseases like diabetes. All of these improvements to your health can make you a better insurance risk.\n- Reduce or eliminate your alcohol intake. Drinking can pose a potential health risk. Life insurance companies will check your application, driving record and your medical exam to get a grasp of your drinking habits. Drinking less alcohol – or stopping entirely – makes you less of a risk for the company and therefore you’ll likely be rewarded with a lower premium.\n- Improve your driving. Insurance companies can hike your premium if you have multiple moving violations.\n\nOther non-lifestyle-related ways to reduce your premium include the following:\n\n- Switching insurers. You may be able to get similar or better coverage for less money.\n- Eliminating riders. Riders are optional policy provisions that pay additional money to your beneficiaries. \n\nTypes of riders include these five:\n- Accidental benefit rider: Pays your beneficiaries if your death was the result of an accident\n- Children’s term life insurance rider: Pays if a child covered under your life insurance policy dies\n- Waiver of premium rider: Pays your policy premium if you become permanently and totally disabled\n- Living benefits rider: Pays a portion of your death benefit payment in advance if you are diagnosed with a terminal illness or if you require long-term care or nursing-home services\n- Payor rider: Waives premiums if you die or become disabled before a covered dependent child reaches a certain age (Find out how riders can help you customize your policy in Let Life Insurance Riders Drive Your Coverage.)\n- Asking about payment discounts: You may get a discount for paying your bill in full annually rather than paying monthly. Insurers may also give a discount for having your payment automatically withdrawn from your checking account.\n- Reviewing your credit report: Insurance companies can review your credit report when determining your premium. Paying your bills on time (which is noted on your report) assures the company that you are likely to pay your premium on time and in full.\n- Choosing a company that has experience covering people with your condition: If you have a medical condition, a broker can help find a company that is likely to work with you and may provide a better rate class.\n- Reviewing your Medical Information Bureau file: Insurers share information on applicants’ medical conditions through the Medical Information Bureau (MIB). Request a free copy of your file from the MIB’s website and review it; incorrect information could negatively affect your premium.\n\n-Conclusion-\nTake the time to educate yourself about your life insurance options. A good insurance broker can help walk you through the process and find the policy that provides the coverage you need at a price you can afford.\n\nNeed help? http://carolinaadvisors.com/contact.html",
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      "body": "![guarantee.jpg](https://cdn.steemitimages.com/DQmRXjX5GkEtPpcqDnXHtTwrJHMFPFgM3BCCbWmxXPNb6tk/guarantee.jpg)\n\nWhen it comes to a secure, satisfying retirement, guarantees really matter. These guarantees all offer something a little different. Together, they can turn a good retirement into a great one.\n\n-Guaranteed Growth-\n\nPlanning for the future is easier when you know what’s ahead. That’s why guaranteed growth – through, for example, a fixed interest rate – can be an important addition to your retirement plans.\n\n-Guaranteed Principal Protection-\n\nYou’re taking all the right steps to save for your retirement. Adding principal protection to your retirement can be one way to make sure that your savings are secure.\n\n-Guaranteed Income-\n\nNot all retirement income is alike. You may want to consider adding a steady stream of guaranteed income that lasts for life – no matter how long you live. Added to Social Security and any pension income you may receive, an extra stream of guaranteed lifetime income can help give you the confidence you need to live your best retirement.\n\nYou Are Not Alone\n\n52% of investors are willing to accept lower investment returns in order to preserve their savings.\n\n52% of investors are worried about another market meltdown eroding their life savings.\n\nSource: Market Strategies International: Cogent™ Wealth Reports, Investor Brandscape ™, 2013\n\nHave questions? We can help.\n\nCall 843-602-9584 or follow this link ------> http://carolinaadvisors.com/contact.html",
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      "body": "![guarantee.jpg](https://cdn.steemitimages.com/DQmRXjX5GkEtPpcqDnXHtTwrJHMFPFgM3BCCbWmxXPNb6tk/guarantee.jpg)\n\nWhen it comes to a secure, satisfying retirement, guarantees really matter. These guarantees all offer something a little different. Together, they can turn a good retirement into a great one.\n\n-Guaranteed Growth-\n\nPlanning for the future is easier when you know what’s ahead. That’s why guaranteed growth – through, for example, a fixed interest rate – can be an important addition to your retirement plans.\n\n-Guaranteed Principal Protection-\n\nYou’re taking all the right steps to save for your retirement. Adding principal protection to your retirement can be one way to make sure that your savings are secure.\n\n-Guaranteed Income-\n\nNot all retirement income is alike. You may want to consider adding a steady stream of guaranteed income that lasts for life – no matter how long you live. Added to Social Security and any pension income you may receive, an extra stream of guaranteed lifetime income can help give you the confidence you need to live your best retirement.\n\nYou Are Not Alone\n\n52% of investors are willing to accept lower investment returns in order to preserve their savings.\n\n52% of investors are worried about another market meltdown eroding their life savings.\n\nSource: Market Strategies International: Cogent™ Wealth Reports, Investor Brandscape ™, 2013\n\nHave questions? We can help.\n\nCall 843-602-9584 or follow this link ------> http://carolinaadvisors.com/contact.html",
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      "body": "![Confused Face.jpg](https://cdn.steemitimages.com/DQmWuwn5919ZL7YVTD1N66hTqNxygM1LLn1BA7n4thvQaLc/Confused%20Face.jpg)\n\nAccording to Social Security, you can receive 100% of your retirement benefit at age 66 if you were born in 1943, and 67 if you were born in 1960 or later. However, Medicare eligibility begins at age 65, even if retirement does not. The real question is: What do you do about Medicare if you are 65 and still employed?\n\nThe good news is that if you, or your spouse, are still working then you may already have health coverage through an employer. What you don’t know is that your employer’s health coverage may work differently now that you are eligible for Medicare.\n\nBefore you turn 65 and are eligible for Medicare you need to talk with your employer’s health plan administrator. You need to ask some of the following:\n\n* What kind of health plan do I have? (ie HMO)\n* Does my employer require me to enroll in Medicare?\n* How would my coverage work if I enroll in Medicare?\n\nThe information you get from your health plan administrator will help you with your Medicare choices and decide what is the best option for you.\n\nShould you enroll in Part A when you turn 65?\n\nAs you probably already know, most people enroll in Medicare Part A when they turn 65 whether they are working or not because it is premium free for those who have worked and contributed to Medicare for at least 10 years. Some are automatically enrolled if they are already receiving their Social Security benefits.\n\nWhen it comes to how Medicare works with your employer, there are 2 different ways. If your employer has 20 or more employees, Medicare Part A works as the secondary. If your employer has less than 20 employees Medicare is considered your primary coverage and your employer’s insurance pays as the secondary.\n\nNow, you can always delay enrolling in Part A, and there are a few good reasons to do so. For example, if you enroll in Medicare you can no longer contribute to a health savings account.\n\nWhat about enrolling in Part B?\n\nEnrolling in Medicare Part B is not for everyone, and it’s very important to find out exactly how Part B would work with your employer’s plan before making your decision.\n\nThe only time you would have to enroll in Part B is if you worked for a company with less than 20 employees. Generally, in this circumstance, you must sign up for Part B since Medicare would be acting as your primary insurance.\n\nOther than that, most delay enrolling in Part B to avoid paying the premium. You can sign up for it later during a Special Enrollment Period without paying the penalty as long as you sign up within 8 months of leaving your job.\n\nDo I really need my employer’s insurance coverage?\n\nNo, you can always choose to decline your group coverage and enroll in Medicare. There are a few things you need to remember before choosing that option:\n\n* For the same monthly cost and annual out of pocket costs, your group health plan may cover a larger amount of your health care costs than Medicare. Plus they may also have other benefits included that Medicare does not offer.\n* Any family members covered by your group plan will lose their health insurance because Medicare only covers the individual.\n* In the event that you change your mind, it may be near impossible to re-enroll in a job-related group health plan.\n* Like we mentioned earlier, once you enroll in Medicare you cannot make new contributions to a Health Savings Account, so using pretax income to pay for any future health care may not be possible.\n\nAs you can see you have plenty of options if you are still working after you become eligible for Medicare. Just take the time to talk to your employer’s health care plan administrator to find out how things will work for you once you become eligible, and then weigh out your options.\n\nIf you enjoyed the information in this post, please like us on http://Facebook.com/CarolinaAdvisorsGroup",
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      "body": "![wheredoistart.jpg](https://cdn.steemitimages.com/DQmQN39pTeV3JQQX2NoB6B1f3UgeXohkKmA5nDqnQEJdJ8z/wheredoistart.jpg)\n\nStarting out with Medicare? Not sure where to begin your search for a Medicare Supplement? Don’t worry, you are not alone!\n\nDid you know that about 10,000 people are turning 65 every day? With that comes a lot of talk about Medicare and Medicare Supplements.\n\nNow everyone starts out the same by asking themselves “Where do I start?” There are many different routes you can take, but you should really start by asking yourself, “Do I want help, or do I want to figure this out for myself?”\n\nMost people consider learning about Medicare and Medicare regulations too difficult and turn to either an insurance agent or an insurance broker. Others take the process into their own hands and try to navigate the system themselves. The truth is that Medicare truly is not very complicated. Plus with all the resources readily accessible either via the internet or the Medicare & You handbook, it is not unrealistic for someone to imagine that it is possible for them to do themselves.\n\n![cofused-asian-lady.jpg](https://cdn.steemitimages.com/DQmdruGeyyLzU4MLhB1JxxNRpvK9XygYc22YFCJ6S64rKU2/cofused-asian-lady.jpg)\n\nStill, many become frustrated either because they have never worked in the insurance industry and are not knowledgeable about it, or they are not familiar with some of the terminology and are confused by it.  The good news is whichever route you choose to take is completely in your hands, and you can opt to reach out for help at any time.\n\nThat’s why we are here, to help you. But there are those who decide that going with the help of a professional agent is not for them either because they fear they are being sold something or they believe they can get all the information that they need on their own.\n\nNeither of these is ideal situations. We don’t want you to feel like you are being sold something, we want you to feel like you are able to ask questions and get honest answers. And, like I stated earlier, yes, all the information is available, but just because you can read about it and take some notes does not mean that you can attain all the knowledge that a professional has gained from years of experience.\n\nThe pros of having an insurance agent/broker are the simple facts that they can help save time and money in the long run. Now, I’m not just saying that because I want your business, I mean I do, but this is our job. We have to be knowledgeable about the plans we sell you and what they cover.\n\nThe main difference between agents and brokers is gigantic.\n\nAgents work for a specific insurance company and are only allowed to show and sell you plans and prices approved by that insurance company. Agents are salespeople who are specifically trained to sell you certain products and convince you it is in your best interest to buy them. They generally rely on the fact that you are new to Medicare and are completely unaware that each company charges a different rate for the SAME plan. Agents are not encouraged to help you find the right plan or the best price.\n\nOn the other hand, brokers represent all insurance companies as well as your best interest. They can shop all plans and prices provided by all insurance companies and help you decide which option will best suit your needs. This saves you the tedious task of calling every company and talking to numerous agents before finding the best plan for you. It also comes in handy when the plan prices change significantly as you become older in comparison to what they have been for you at 65. Many companies offering the lowest rate at 65 are now significantly overpriced at 70, by then you might be locked in for life due to health concerns that might develop as you age.\n\nSo, reflecting on this, yes you can start out gathering information yourself and begin to compare different plans and premiums. Power to you. We encourage everyone to learn more about Medicare and their Medicare Supplements. But, if you want to save time, money, and simplify the process the real question you should ask yourself is, “Why not start with an Insurance Broker?”\n\nIf you would like help getting started with your Medicare Supplement search please visit our website: www.CarolinaAdvisors.com or call 843-602-9584\n\nStay connected with us and like us on www.facebook.com/CarolinaAdvisorsGrouop",
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      "body": "@@ -3529,16 +3529,23 @@\n o us at \n+http://\n Carolina\n",
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      "body": "![Value-Based-Selling.jpg](https://cdn.steemitimages.com/DQmaTc2MhPgZwoEfAkeWiZ3xiQqzJaT9vm6GdTRLpATH277/Value-Based-Selling.jpg)\n\nWe wish it was that easy. We could tell you “Hey, Plan X is the best plan with the best coverage and the best premium” and you could say let’s go with that and be done with choosing your plan.\n\nReality is that it’s a little more complicated than that. Medigap plans, or Medicare Supplement Plans, are not a one size fits all kind of deal. You need to take the time to either work with your broker, or to educate yourself as to which coverage you would prefer.\n\nHere are a few mitigating factors when it comes down to decision time.\n\nUnlike Medicare Advantage plans, Medigap plans do not have ratings. However, the plans are the same across the board, meaning that Plan F has the same benefits no matter which company you purchase it from. This helps when it comes to choosing your benefits package because once you narrow down your plan then you can find the best premium for your plan.\n\nMedigap plans come in all shapes and sizes, but as of today (2018), there are only 10 standardized benefits packages which differ depending on how much of your expenses they will cover. So, generally, the more expenses the plan covers, the more expensive the plan will be.\n\n![medsupp-chart-picture.png](https://cdn.steemitimages.com/DQmRsXEtNtkzHcRjFEUanRXMuj5M6dtsaL1ueb6dRFJEFeU/medsupp-chart-picture.png)\n\nAnother way to sort through the plans is to look at the type of premium pricing the plan is listed under. There are 3 types of premium pricing are:\n\n1. Community-rated: meaning the same premium is charged to everyone regardless of age. Most Medigap professionals consider this plan to be the least expensive over time, although it does not look that way when you are initially enrolling.\n2. Issue-age-rated: this is based on your age when purchased. It will not go up as you age. It will only go up due to inflation.\n3.  Attained-age rated: the premium here starts low but goes up as you age. Over time this kind of policy is the most expensive.\n\nOne last item to consider: Medigap plans can reject you or charge you more for a pre-existing condition at certain times. So basically, in all 50 states, you have guaranteed acceptance for a Medigap policy for 6 months before and 6 months after the 1st day of the month that you are enrolled in Part B and are at least 65. During this (Open Enrollment) period you cannot be turned down or be charged more because of a pre-existing condition. After this period you are only entitled to guaranteed issue Medigap in the following situations:\n\n* Your Medicare Advantage plan shuts down or you move away from its service area.\n* Your retiree plan shuts down.\n* You joined Medicare Advantage at 65 but decided to switch back to original Medicare within 1 year.\n* Your Medigap plan shuts down.\n\nAlthough a pre-existing condition does not factor into your initial search it is something that, if you have a known pre-existing condition, could cause your premiums to go up or your application to be rejected after the open enrollment period.\n\nSorting through the different plans and premiums while also having to factor in a possible pre-existing condition can be quite the daunting task. Hopefully, this helps shed some light on a few of the ways you can navigate the waters of Medigap insurance plans. Now it’s all just figuring out where to start.\n\nIf you have any questions or would like some assistance with your search please do not hesitate to reach out to us at CarolinaAdvisors.com or call us at 843-602-9584. We are always here to help!",
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      "body": "![middleman.jpg](https://cdn.steemitimages.com/DQmctJtsEAiNxgx3ZSRHsMC6VRsrxTL44KWbqKqUrVgzdN6/middleman.jpg)\n\nWhy Use An Insurance Agent?\n\nGenerally speaking, when you buy direct you cut out “the middleman” – a retailer who buys wholesale from a manufacturer. They mark up the product’s price and sell it to you. In this day and age, there are plenty of “direct writer” insurance companies out there. These companies “cut out the middle-man” by selling directly to you, rather than through an agent. However, while you may think you are saving money by going direct, that typically isn’t the case.  Moreover, by dealing direct with an insurance company, a consumer takes on a level of risk that they may not realize even exists.\n\nThat Was Then…\nTraditionally, insurance companies did not sell to the public.  Instead, their products were offered to consumers by “agents” who had to be professionally licensed to deal directly with the public.  Consumers actually paid the agent nothing because it was the insurance company who paid the agent a commission, and this commission was not added to the retail price.\n\nThis Is Now…\nThe agency system is still in place throughout the U.S. You can find dozens if not hundreds of local independent agents in your area. However, thanks to the internet you can also go directly to many insurance companies and get a quote. If you like the quote you can often buy a policy by filling out a few more forms, right on the spot.\n\n—\n\nCalling the retailer an agent is not an accident.  The insurance agent is actually your legal representative – your agent – to the insurance company.  The agent is licensed by your state and carries with them the fiduciary responsibility to be your advocate. They must put your interests first over and above their own, or the insurance company.  Even though the agent is paid by the insurance company, they work for you.\n\nAn independent agent can do important things for you:\nAgents have at their disposal the ability to quickly check prices and coverage with dozens of different insurance companies.  Since rates vary widely, an independent agent can very likely get you a better deal than you can get for yourself. They can even get you insurance from a ‘direct writer’ like you could get for yourself.\nIndependent agents are a one-stop-shop for all of your insurance needs. An agent typically doesn’t sell just Life insurance. They also sell health insurance, Long/Short Term-Care insurance and disability insurance, etc. Use them, at no cost to yourself to handle all of your insurance needs in one place.\nInsurance is a complicated subject.  Its an agent’s business to understand it, and communicate it to you so you understand it as well.  In almost all cases, an ordinary consumer will benefit from having someone who deals with this subject for a living advise them on a 50+ page contract.  If there are any hidden surprises, a licensed agent is the one equipped to know where they are.  Even if you understand insurance thoroughly you can get tripped up:  The industry is regulated on a state-by-state basis.  Move from one state to another and you’ll find that the coverage may look the same at first glance, but on closer examination, things work a bit differently (very differently, in some states).\nCoverage don’t just vary from state to state … they vary from company to company within the same state.  Many companies use what are known as ‘manuscript’ policy forms (form = contract in insurance jargon).  These forms don’t necessarily use industry-standard wording and may contain altered provisions that materially affect you in some way… some unknown way if you don’t have an expert advisor who is already familiar with a particular policy’s quirks.\nThe above is the good news with regard to what an agent can do for you.  What about the bad news?  Even the bad news has some good news inside of it for the consumer:   If an agent makes a mistake (such as selling you an insurance policy that is supposed to meet your needs but doesn’t), that agent may well be liable to you for malpractice; something known in the industry as Errors & Omissions.  Your insurance agent has an Errors & Omissions insurance policy, just like a surgeon has a malpractice insurance policy.  Your lawyer can file suit against the agent – and their malpractice insurance – to recover damages you suffer as a result of a failure to act properly in your interests.  Its no fun to think about for the agent or the consumer, but as unpleasant as it is for all concerned, this is a layer of protection that a consumer enjoys when working with an agent.\n\nWhich brings us to another problem that you create when you go direct.  You have no licensed, regulated insured agent acting on your behalf.  You are now taking full responsibility for your coverage decisions, and for any mistakes, you may make.  No more safety net.\n\nDon’t get us wrong… There is nothing wrong with direct-writer insurance companies. However, if you deal with an agent, there are certain services and protections you are going to get that a direct-writer insurance company simply cannot provide.\n\nCall us 843-602-9584\nYou can find us here ☞ http://CarolinaAdvisors.com ™\nand here ☞ http://Facebook.com/CarolinaAdvisorsGroup",
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