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Medicare Part B Premiums – What You May Not Be Aware Of

By |December 22nd, 2021|Categories: Affordable Care Act, Florida Insurance, Individual Insurance, Medicare|Tags: , , , , |

Medicare Part B insurance helps protect the coverage provided in Medicare. Medicare Part A is the supplement to Medicare, offering guaranteed income and comprehensive coverage to seniors. Part B, also known as the senior health insurance part of Medicare, is intended to cover the cost of medically necessary services for senior citizens or those with a qualifying disability. Seniors may need coverage for five, ten, or even twenty-five months from the date of enrollment. If a person has coverage from an employer during the period before turning 65 years old, coverage will remain through the end of that five, ten, ...

What Is Universal Life Insurance?

By |December 15th, 2021|Categories: Florida Insurance, Individual Insurance, Uncategorized|Tags: , , , , |

What Is Universal Life Insurance? Universal life insurance is a form of money-value life insurance, most commonly sold in the United States. Under the agreement, the insured's excess over the current value of coverage is credited to the insurance's cash value, which accrues to a growing amount on a tax-deferred basis. In many ways, this type of life assurance resembles stocks, with premiums varying according to market trends and perceived risk. The insured pays a fixed amount every month, with that amount growing as time goes by until the death benefit is reached. Many people choose universal life insurance policies ...

How To Qualify For Medicaid?

By |December 8th, 2021|Categories: Affordable Care Act, Florida Insurance, Individual Insurance, Medicare|Tags: , , , , , |

There are many avenues to explore before you can receive assistance from the state’s Medicaid program. First, and most importantly, you must meet certain minimum income level requirements. Second, you must be a resident of the state. Thirdly, you must be a resident of the county in which you reside at the time of application. If you do not qualify for the federal medical aid for which you are applying, there are ways in which you can qualify for supplemental health coverage through your employer, Medicare Part B, or a private health insurance plan offered by your state. You may ...

What Is Term Life Insurance?

By |December 1st, 2021|Categories: Florida Insurance, Individual Insurance, Uncategorized|Tags: , , , , |

Term life insurance is an insurance product that offers coverage on a specified term, usually for a limited period, the specified term. The coverage typically extends for an agreed period of years, as well as the lifetime of the account holder. The insured pays a premium to the insurance company at the beginning of the coverage and is then paid a monthly premium to maintain the policy. During the specified term, the premium amount is adjusted for inflationary factors and life changes. If a policyholder should die before the end of the coverage, at no cost to the policyholder, then ...

What Is a Home Equity Line of Credit?

By |November 24th, 2021|Categories: Florida Insurance, Individual Insurance|Tags: , , , , |

What is a home equity line of credit? A home equity line of credit is a personal loan in which the lender agrees to lend at a certain amount over an agreed period, usually at a fixed rate, where the secured collateral is the borrower's home. The value of the home does not affect the value of the loan, so it is similar in concept to other personal loans that have a variable interest rate. However, in this case, the equity in the property is used as collateral for the loan. In some cases, the HELOC is used to avoid ...

How to Apply for Medicare

By |November 17th, 2021|Categories: Affordable Care Act, Florida Insurance, Individual Insurance, Medicare|Tags: , , , , |

The easiest way on how to apply for Medicare is online. However, if you are over the age of 65 or already receive Social Security disability benefits or Railroad Retirement income then you will automatically be enrolled in Medicare Part A. Additionally, if you wish to begin your Social Security disability or Railroad Retirement income benefits then you must apply for Medicare early. The sooner you apply the sooner you will start receiving the benefit. How do you know when it is the best time to apply? Three primary rules govern when you should apply. The first is that you ...