News You Can Use | Medicare Insurance Options LLC

News You Can Use

Why Your In-Network Doctor Can Still Send You an Out-of-Network Bill

You did your homework. You confirmed that your surgeon and the hospital were both in your plan’s network. Then a few weeks after your procedure, a...

Billions in Unclaimed Life Insurance: Could Your Family Be Owed Money?

Maria was sorting through her late father's desk when she found an old envelope tucked beneath a stack of tax returns. Inside was a faded statement...

The Medicaid Cliff: How a Small Raise Can Cost You Thousands in Coverage

A raise should always feel like good news. For some households, though, earning just a little more can end Medicaid eligibility and replace it with...

Playing the Odds on Your Paycheck: Why disability is a far safer bet than most people think

Walk into any Las Vegas sportsbook and you will not find the bookmaker guessing. He studies the numbers, sets the line, and then hedges his bets so...

An Underwriter Explains: Why Your Life Insurance Premium Is What It Is

Picture two 40-year-olds buying an identical policy: $500,000 of 20-year term life insurance. One pays about $30 a month. The other pays $300. As...

When In-Network Becomes Out-of-Network

You did your homework. You chose a hospital and surgeon who both accept your insurance, so the final bill should be predictable. Then suddenly a...

Medicare Advantage Star Ratings Explained: What those Stars Really Mean for Your Care

Every year, the Centers for Medicare and Medicaid Services (CMS) reviews Medicare Advantage plans and assigns each one a rating between one and...

The World's Costliest Cruise: When Medical Care at Sea Sends the Bill Sky High

Diane had been looking forward to her seven-day Caribbean cruise for months. On the third night, she woke with sharp abdominal pain that would not...

Medicare GLP-1 Bridge: Certain Weight-Loss Medications for $50 a Month

If you have Medicare and have been considering a GLP-1 medication for weight management, a new Medicare program may help make these medications...

How to Read Your Medicare Summary Notice — Teach enrollees how to spot billing errors and understand their EOB documents

The envelope from Medicare that shows up every few months might look like a bill, but it isn't. It's called a Medicare Summary Notice, and treating...

What is Infinite Banking, Really?

You've probably seen the commercials. A confident spokesperson explains how the wealthy use a little known strategy called infinite banking to grow...

Why Does My Prescription Cost So Much? Decoding Drug Tiers and Coverage Rules

Opening a pharmacy receipt and seeing a number far higher than expected is one of the most common frustrations in health care today. Nearly 68% of...

Medigap vs. Medicare Advantage: Which Path Is Right for You?

Approaching Medicare eligibility brings an important decision that surprises many people. Original Medicare alone does not cover everything. So,...

Short-Term Health Insurance: Affordable Stopgap or Risky Gamble?

Losing job-based coverage or aging off a parent's health insurance plan can leave you scrambling for something, anything, to bridge the gap....

Can Skydivers Get Life Insurance? Reasons Your Life Insurance Claim Could Be Denied (and How to Avoid Them)

Extreme sports and life insurance might sound like an unlikely pair, but the truth is that skydivers, pilots, and other thrill seekers can...

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