I just had my 65th birthday, and was able to take a few days off to ease the pain – lol. My husband and I traveled to Costa Rica for some much needed R & R and to explore wildlife photography opportunities….which brings me to the topic at hand. In the excitement of planning a trip, […]
During a recent meeting with one of our carriers, it was suggested that more than 300,000 Arizonans are protected only with Original Medicare. What that means is that 300,000 people have some coverage, but if they found themselves in a serious medical situation, they could end up being charged, annually, tens of thousands of dollars, without a cap. […]
Everyone loves the bite-sized, yumminess of donut holes from your favorite bakery…but we have a completely different reaction when the Donut Hole pertains to our prescription drug plans! All too frequently I find myself explaining what the Donut Hole, or Coverage Gap is, to unsuspecting Medicare beneficiaries. For those of you who are new to […]
If you are a medical practice, dental practice, naturopath, chiropractor, or allied medical company providing services such as senior care or physical therapy, you are required to secure all medical records under the Federal Health Insurance Portability and Accountability Act or HIPAA. This includes all medical records that are stored electronically as well as paper […]
This Company’s Product is Always Free! Although we represent many carriers, one company’s product is absolutely free. Bioscrip (BIOS – NASDQ), a pharmacy benefits management company, has worked with most of the major pharmaceutical manufacturers, and negotiated extremely good rates, for both prescription and generic drugs. The savings are passed on to consumers through the use of their free, […]
“Is your business a target for cyber criminals?” Does your company store customer data; names, addresses, social security numbers, personal contact information? What about employee records? If you do and data is compromised, your company may be liable for all associated costs. Under Federal and State law companies that incur a data loss may be required to ascertain […]
There has been endless talk, in recent months, of healthcare, Obamacare, Affordable Care Act, open enrollment, and penalties, sending many Americans facing healthcare decisions into a state of confusion. What few have seemed to stress, is that once the calendar flips to April 1, 2014, you will no longer be able to purchase a qualified health plan until 2015. Strange […]
NEW YORK (CNNMoney) With pricey tuition to pay and books to buy, renters insurance isn’t exactly something that tops most college kid’s list. But in some cases, that could be a big mistake. Students who live on campus typically don’t have to worry about renters insurance: Their parents’ homeowner’s policy should cover the loss or […]