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Life Can Change in a Moment

Do you know anyone whose life changed in a moment?   Maybe it was a promotion, or learning that they would be a mother or father.  Other times it could be a terrible accident, a lab test or an abnormal x-ray.  It’s nice to be able to prepare for such things as having a child…
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About to have a genetic test? Think Twice and Consider…

In recent years there have been more talk of genetic testing, but can that test affect your ability to buy insurance?  The unfortunate answer is “yes”.  Insurance companies, other than Health Insurance Companies - Obamacare (ACA) can use this information to charge higher premiums or decline your coverage altogether. As of today insurance companies continue…
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Medicare Enrollment Periods—It’s Complicated!

Are you over age 65 and still working or your spouse is still working and have Health Insurance through an Employer Group Health Plan (EGHP)?  If so, you may be able to delay enrollment in Medicare Part B.  Again, I said MAY.  The rules for allowing you to refuse Medicare Part B during your Initial…
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