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Help for Older Smokers Who Want to Stop

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Tags: health living, life insurance, Medicare supplement plans, Medicare supplement rates, seniors

Are you one of 4 million people over the age of 65 that smoke and want to stop?    Or do you want to help an older loved one stop smoking?  Try a new resource from the National Institutes of Health Quitting Smoking for Older AdultsIt offers videos, worksheets, interactive features, strategies, quizzes, and more for older smokers who want to or are thinking of quitting.

The incentives to stop smoking are many from saving on everyday expenses, to lower rates on life insurance and Medicare supplement plans.  But the best incentive is a longer and healthier life.

 

 

 

 

Beyond your health, there can be financial benefits as well.  First, you can reduce a major expenditure out of your budget.  For many older adults reducing their budget to live on a fixed income is essential.

The costs of insurance can go down when you are no longer a smoker.  Smokers pay more for insurance and that includes life insurance and Medicare supplement insurance plans.  While you will need to demonstrate that you have stopped smoking for a period of time (depends on the insurance company’s underwriting questions), being a non-smoker can save you money on insurance.  Some life insurance companies will even offer an incentive to smokers to quit: you’ll pay a lower rate than a smoker if you quit and stay a non-smoker for a certain number of years.

The incentives to stop smoking are many.  Living a longer and healthier life tops the list.  The NIH resource can be a good start.

 

 

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Three Ways to Save on Medicare Supplement Rates

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Tags: Medicare supplement plans, Medicare supplement rates

When you compare rates on Medicare supplement plans check to see what discounts are available.  There are generally three types of discounts available for people buying Medicare Supplement plans: your age; household discounts and the way and frequency of payment. Each insurance company does these discounts a bit differently, so ask about Medicare supplement plan discounts before you buy.

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Switching Medigap Plans: Avoid Double Billing

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Tags: Medicare supplement plans, Medicare supplement rates

Switching Medicare Supplement plans can be a great way to save money on Medicare insurance premiums.  But if you switch Medicare supplement companies remember YOU must cancel the first Medigap policy once the new policy is in place.  Many people forget because the payments are automatically taken from their checking account.  Suddenly those savings are disappearing as double billing adds up.  So when you get confirmation that your application has been accepted with the new company (you have a policy number and ID cards), call your former insurance company to cancel the policy.  You may still have to pay both premiums for the first month, but after that you'll be paying just the new lower price.

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My Medicare Supplement Rate Increased. Now What?

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Tags: Medicare supplement, Medicare supplement plans, Medicare supplement rates

When your Medicare Supplement rate increases you have 5 options to consider.  What options you can consider depends a lot on your health since for most people switching Medicare supplement plans means you will have to pass health questions.  Make sure you understand how the Medicare supplement rates are set.  To understand your options compare Medicare supplement rates and underwriting with many companies.

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Seniors: Here’s Where Your Money Goes

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Tags: Medicare supplement plans, Retirement, retirement planning, seniors

The baby boomers have ushered in a different kind of retirement.  That’s good and bad when it comes to how they spend their money compared to previous generations.  A new report compares spending habits of today’s 65+ group compared to those 65+ 20 years ago.

What they found might surprise you – and make you wonder how you are spending your money in retirement.  And can you be smarter about some of your expenditures so you don't overpay?

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Did You Pick the Wrong Medicare Advantage Plan?

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Tags: Medicare, Medicare advantage plans, Medicare supplement plans

Medicare’s open enrollment period for 2014 plans is over, but if you are feeling a bit of remorse about the plan you selected, you still have options.  For people who selected a Medicare Advantage plan during the annual enrollment period (AEP) you now have a limited time opportunity to disenroll from that plan.

What can you do about a Medicare Advantage plan that doesn’t fit?  Here are two special enrollment periods for people with Medicare Advantage plans.

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Confused About Medicare and the Health Care Exchanges?

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Tags: health care reform, Medicare, Medicare advantage plans, Medicare supplement plans

As announcements about the state health care exchanges started in July, we’ve had an increasing number of questions from our Medicare customers about the impact on their Medicare plan.

The good news is that for Medicare beneficiaries age 65 and older the announcements about the state health care exchanges have no impact. Don't worry about Oct. 1 and the health care exchanges. Start getting ready for the 2014 Medicare Open Enrollment Period that begins Oct. 15.

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Tips for Seniors on When to Compare Insurance Costs

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Tags: long term care insurance, Medicare Part D, Medicare supplement plans, senior life insurance, term life insurance

We all know a medical checkup once a year is a smart step in the prevention of disease and medical conditions, especially as you get older.

But what about your insurance?

A yearly check up on your insurance can be a smart way to reduce your costs.  And, an annual review makes more sense for some types of insurance than others.

Here is a quick guide on annual reviews for insurance if you are over 50:

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3 Tips for Keeping Retiree Health Care Costs Down

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Tags: Medicare advantage plans, Medicare health plans, Medicare Part D, Medicare supplement plans, Retiree health insurance, senior health insurance

Some good news for retirees about health care costs:  they have dropped about 8% since last year.

But wait before you celebrate. 

The cost is still a jaw dropping $220,000 for a 65 year old couple retiring this year, according to Fidelity Benefits Consulting.  That does not include costs associated with long term care.

Retiree health care is likely the largest expense you will face in retirement. 

Here are 3 tips for helping you control health care costs in retirement.

 

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