Do I Need To Do Anything To Enroll in Medicare? This is a question I get quite frequently at my offices in Sidney and Vandalia, Ohio. When it comes to Medicare, soon-to-be retirees know that they’ve been paying for it since they started working through Social Security. However, they often don’t know how they collect… Read more »

Dental, Vision, and Hearing: 3 Medicare Coverage Gaps You Probably Shouldn’t Insure Many soon-to-be retirees find themselves concerned about transitioning from their employer insurance to Medicare because of the numerous coverage gaps, and I truly get it. If you spend a good deal of your career in an all-inclusive employer plan, switching to Medicare will… Read more »

4 Guidepost People You Need to See as You Approach 65 The path to retirement is often difficult terrain, a rocky mountain path rather than a paved sidewalk. There are lots of ways to get lost in the forest of information coming in your mailbox, your email, and on the web.   Because, as you… Read more »

 3 Reasons Why Prescription Drugs Are So Expensive It is no secret that prescription drugs are outrageously expensive. After nineteen years of working with those transitioning into retirement and helping retirees shop Part D Drug Plans, I have come across some astronomic prices. To give you an idea, some of the prescriptions (without insurance, thank… Read more »

You Can Save Hundreds on Your Supplement Without Changing Your Benefits! And when I say, “without changing your benefit,” I really mean it. This isn’t about covering decreased benefits or numerous hassles under a cloak of a lower premium. You can get on an identical plan to the one you have now and still save… Read more »

Why the Guaranteed Income of an Annuity Isn’t Always Worth It For Retirees Everyone likes a guarantee. It’s like a warm house that shelters us from the cold, unknown outside of diminishing returns and tragic losses. So, for the retiree, someone like you who has a lot to lose, the idea of your income being… Read more »

I’m Retiring Soon: Will Social Security Be There For Me? Over recent years, there’s been a lot of chatter about Social Security’s financial future. And let’s just say that the discourse has been a little, well, over-the-top. Politicians have been ranting about Social Security going broke, acting like—if we don’t overhaul the system in the… Read more »

5 Christmas Traditions You Can Start With Your Grandkids It’s that time of year again. Sleigh bells are ringing. The neighbors are putting up an epic lights display or (for the less ambitious) a wreath and floodlight. And in elementary schools everywhere, little kids are counting down the days until Christmas break.   If they… Read more »

Learn the 4 Parts of Medicare in Under 4 Minutes Understanding your healthcare options as you approach 65 is necessary, but let’s face it: Medicare is confusing. You’ve got enough sales mail from local agents to keep a campfire going indefinitely, but none of it seems to make anything any clearer. You’ve likely tried to… Read more »

Know Your Rights! (Your Medicare Supplement Guaranteed Issue Rights) Everyone knows that they have the right to remain silent and the right to an attorney, but few retirees know their rights to a Medicare Supplement policy. For this reason, many people believe that if they missed their Open Enrollment Period and have health problems, they… Read more »