Monday, July 30, 2012

Free "Welcome to Medicare" preventive visit

Know your Medicare benefits.

If you are new to Medicare, your “Welcome to Medicare” preventive visit is now covered without cost sharing during your first 12 months of Part B coverage. This exam is a one-time review of your health as well as education and counseling about preventive services and other care.

If you’ve had Part B for longer than 12 months, you can get a yearly wellness visit to develop or update a personalized prevention plan based on your current health and risk factors. 

Under the new healthcare law, the visit is now free to those with Original Medicare, and to most people with Medicare Advantage Plans, along with a number of preventive screenings and services (like mammograms and colonoscopies).

Facts about Prescription Drugs, Seniors and the Affordable Care Act


Under the Affordable Care Act, if you are a Senior on Medicare and have high prescription drug costs that put you in the donut hole, you now get a 50% discount on covered brand-name drugs while you’re in the donut hole.

Between today and 2020, you’ll get continuous Medicare coverage for your prescription drugs.

The donut hole will be closed completely by 2020.

For more information on benefits for seniors under the Affordable Care Act, go to

Friday, July 27, 2012

Know Your Medicare Benefits

The Affordable Care Act provides many improvements in benefits for Seniors on Medicare, including free preventive services, free annual wellness visits and a 50% discount on prescription drugs for Medicare recipients in the coverage gap known as the "donut hole." 

In the coming days I will be sharing important FACTS about Medicare, preventive services and other benefits now available for Seniors on Medicare. I encourage you to learn more about your Medicare benefits. The benefits are there to help support your continued good health.

Under the health care law, your existing guaranteed Medicare-covered benefits won't be reduced or taken away.  Neither will your ability to choose your own doctor.

For more facts on what the Affordable Care Act will mean to Seniors and those on Medicare, go to:

Thursday, July 26, 2012

Turning 65? You're in good company!

If you're turning age 65 this year, you're in good company. Around 10,000 Baby Boomers turn 65 every day. Celebrities with milestone age 65 birthdays this year include Tommy Lee Jones, Susan Sarandon, Iggy Pop, Dolly Parton, Donald Trump, Glenn Close, Stephen King, Diane Keaton and Rob Reiner, just to name a few! 

I'm not sure if they're thinking about Medicare, but you should be. It's a big piece of your retirement  plan. For all the facts on Medicare, Medicare Supplements, Medicare Prescription Plans and more, plan to attend my class, "Getting Started with Medicare."

You can find a complete list of classes listed by county at

Upcoming classes in August include:

Thursday, August 9, 2012
Lakeland Community College
2:00 pm – 4:00 pm
7700 Clock Tower Drive
Kirtland, OH 44094

Tuesday, August 14, 2012
Andover Public Library
10:00 am – 12:00 pm
142 W. Main Street
Andover, OH 44003

Hope to see you at one of my classes, soon.

Saturday, July 21, 2012

Are you disappointed with your old Universal Life Insurance or other life policies?

Many life insurance policies written 20 or 30 years ago are not meeting projected expectations. For example, the Universal Life policies that were purchased during the 80’s when interest rates were sky high were intended to provide retirement income. They seemed like a great idea at the time, but unfortunately, many will fall short of their intended goals.
There are things you can do to improve the likely outcome. By making a few changes, we may be able to convert your old policies to meet your current needs, generate more income or provide additional protection for you and your family.
Call me at 440-255-5700 and let's take a look at your life insurance policies together. Let me show you what we can do to make the most of the life insurance you already have.

Friday, July 20, 2012

Don't forget the ArtsFest this weekend.

This weekend is the 21st Annual Willoughby ArtsFest. 

Looks like the weather will be perfect for you to browse the works or more 125 artists and enjoy the food and entertainment, too, 10 am to 5 pm. This Saturday, July 21 in beautiful downtown Willoughby.


Monday, July 9, 2012

Curious about what it costs for Dental or Vision Insurance?

It takes just minutes to find out what it would cost you for dental and/or vision insurance. No phone calls necessary.
Visit my website at and click on quotes. Then, click on the drop down box for vision and dental plans. Next, type in your zip code. You will be presented with a personalized variety of prices, packages and options to consider.
It's so simple!
Check it out  today . . . 

Thursday, July 5, 2012

Will Medicare cover you when you travel outside the U.S.?

You may be surprised to learn that Original Medicare does not pay for health care services or supplies you get outside the U.S. except in very limited situations.

 If your circumstances do not match the limited exceptions, you are responsible to pay the full cost to the health care provider. If your situation matches one of the allowable exceptions, you still pay the coinsurance or copayments and deductibles you would normally pay if you received these services or supplies in the U.S. For information on allowable exceptions go to or call 1-800-MEDICARE.

If you have a Medicare Advantage Plan or another Medicare health plan, you may be entitled to additional coverage for health care services you receive outside the U.S. Advantage Plan coverage may vary.

You have the option of purchasing short term travel medical coverage for as few as 5 days up to a maximum of two years.This type of insurance coverage addresses the needs of U.S. and non-U.S. citizens who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country. With short term travel insurance you have access to international, multilingual customer service centers, claims administrators who process claims from all over the world, handling virtually every language and currency, and 24 hour access to highly qualified coordinators of emergency medical services and international treatment.

If you will be traveling abroad and have concerns, call me and I'll help you determine your insurance needs.