Western Asset Protection

Do your clients want to switch to Medigap? Depending on their health, the insurer and state rules, it’s not always possible after the one-time enrollment period.

Leaving Medicare Advantage Takes One Phone Call. Getting the Medigap Policy That Makes Leaving Affordable Can Require Medical Underwriting. Switching from Medicare Advantage back to Original Medicare takes a single phone call, but the supplemental coverage most people count on to make that switch livable can require passing a health exam that a cardiac history or two common prescriptions alone can fail.

Late Medicare Part B enrollment can trigger premium penalties, so it’s important to understand how Initial and Special Enrollment Periods work. This article looks at common misunderstandings over COBRA coverage.

She Divorced at 68 and Took COBRA. Medicare’s Eight-Month Part B Clock Kept Running. She kept her doctors, her insurance card, and her peace of mind by electing COBRA after the divorce finalized. What she did not realize was that Medicare had already started a countdown she could not pause.

The flu can be serious, and older adults are particularly vulnerable. This article shows when older adults should get the flu shot.

Older Adults and Flu Vaccines: Timing, Safety, and Protection Tips Flu season runs October through May. Stay ahead of the flu with the right timing for your shot. Learn how older adults can maximize immunity, choose the most effective vaccines, and protect their health all season.

Medicare Part B covers ambulance rides when they are considered medically necessary – but that determination is not made until after the ride, leaving some beneficiaries with large bills.

Medicare Pays for the Ambulance Only If the Ride Was 'Medically Necessary.' A Reviewer Decides that, Later. Medicare approved the hospital stay, paid the ER doctors, and covered the follow-up care, then denied the ambulance that delivered her there. One contractor decision turned a routine coverage assumption into a four-figure bill, and most patients never see it coming until the envelope arrives.

Do your clients know how to handle the surge in scams that tends to accompany open enrollment? Share this with them.

Interactive: Are you prepared for the surge in Medicare scams? Open enrollment hasn't started yet — but scammers already have your number. One retired beneficiary got more than a dozen calls in a single day. Here's how to protect yourself.

Medicare Part D and Advantage enrollees should receive the Annual Notice of Change by September 30. Here’s what your clients need to know.

Check Your Mail: The One Medicare Letter You Shouldn't Throw Away A quick 10-minute check of your Annual Notice of Change letter could keep you from losing your preferred doctor or paying double for prescriptions.

Want to take control of your presence on Google Search? Here’s what insurance agents needs to know about claiming and updating their Google Business Profile.

How to Turn Your Google Business Profile into a Lead Generator - Western Asset Protection Google Business Profile for insurance agents is a powerful lead generator, and setting your profile up is easy.

It’s possible to use tax-free HSA withdrawals to cover Medicare premiums, but it’s important to be aware of the rules surrounding HSAs and Medicare. This article has good information to share with your clients.

The Tax-Free HSA Trick to Cover Your Medicare Premiums Don't leave your health savings stranded. Here is how to use your HSA to reimburse your Medicare costs—even from years past.

Want to earn more revenue, meet more of your clients’ needs and strengthen your business? Consider broadening your portfolio with supplement and ancillary products.

Why Medicare Supplement and Ancillary Products Deserve a Place in Your Portfolio - Western Asset Protection Clients don’t think in terms of Medicare Advantage, Medicare Supplement and ancillary products. They simply want someone they trust to help them navigate Medicare. A broader portfolio allows you to [...]Read More... from Why Medicare Supplement and Ancillary Products Deserve a Place in Your Portfo...