Harrison Insurance Agency

Lifetime reserve days are in Original Medicare, these are additional days that Medicare will pay for when you're in a hospital for more than 90 days. You have a total of 60 reserve days that can be used during your lifetime. For each lifetime reserve day, Medicare pays all covered costs except for a daily coinsurance.

Hospital indemnity insurance is a type of plan that pays a set amount – per day, per week, per month, or per visit – if you’re confined in a hospital. The Hospital Plan is a hospital indemnity insurance plan.

Turning 65 is a major milestone — and not just because it’s the age you can enroll in Medicare! Taking the time to understand Medicare enrollment now can help you avoid costly penalties and coverage gaps down the road.

Every child is an artist. The problem is how to remain an artist once he grows up.

Quick Tip: A "Copayment" is a fixed amount (for example, $15) you pay for a covered health care service, usually when you receive the service. The amount can vary by the type of covered health care service.

The "MOOP" or Maximum Out-of-pocket limit is a yearly amount the federal government sets as the most each individual or family can be required to pay in cost sharing during the plan year for covered, in-network services. Applies to most types of health plans and insurance. This amount may be higher than the out-of-pocket limits stated for your plan.

Summer Wellness Tip: Tips for boosting your brain: Physical activities that require hand-eye coordination or complex motor skills are particularly beneficial for brain building.

“We are what we repeatedly do. Excellence, then, is not an act, but a habit.”

Don’t forget that Medigap policies also do not include Part D, so you will purchase your drug plan separately.

Confused About Medicare? It is not unusual for a client to bring in a whole bag of mail that he has received at home and ask for our help to identify which things should be kept or tossed out.

Healthy Tips After 60: Building your strength can help reduce depression and all sorts of chronic diseases. It can improve flexibility, increase bone mass and lower body fat. Plus, you can do it without going to a gym. Look for body weight exercises you can do almost anywhere.