https://stlouisinsurancegroup.com/insideinformationBLOG RSSFri, 01 Nov 2019 18:06:34 GMTFri, 01 Nov 2019 18:06:34 GMThttps://stlouisinsurancegroup.com/insideinformation/what-is-part-bMedicare Part B covers doctor and outpatient services or basically, any service that occurs outside of an inpatient hospital setting. This includes your doctor visits, outpatient surgeries, lab tests, radiology tests, emergency room visits, medical equipment as well as many other services. It also covers any preventive testing like the annual Medicare “Wellness Visit”, diabetes screenings and mammograms.Fri, 22 May 2026 17:14:19https://stlouisinsurancegroup.com/insideinformation/what-is-part-bhttps://stlouisinsurancegroup.com/insideinformation/how-do-i-find-the-right-medicare-part-d-planQuite simply, Medicare Part D covers your prescriptions. It is commonly referred to as “drug coverage”.Mon, 05 Feb 2024 16:56:47https://stlouisinsurancegroup.com/insideinformation/how-do-i-find-the-right-medicare-part-d-planhttps://stlouisinsurancegroup.com/insideinformation/what-does-medicare-part-a-coverFirst, Medicare Part A primarily covers your inpatient hospital costs and is often called hospital insurance. Medicare also covers a limited amount of skilled nursing care and hospice care.Mon, 05 Feb 2024 16:57:06https://stlouisinsurancegroup.com/insideinformation/what-does-medicare-part-a-coverhttps://stlouisinsurancegroup.com/insideinformation/what-is-medicare-part-c-medicare-advantage-planMedicare Part C combines Medicare Parts A (Hospital), B (Doctor and Outpatient) and D (Prescriptions) together. It is most often called a Medicare Advantage plan, an HMO or a PPO.Mon, 05 Feb 2024 16:57:51https://stlouisinsurancegroup.com/insideinformation/what-is-medicare-part-c-medicare-advantage-planhttps://stlouisinsurancegroup.com/insideinformation/do-you-have-to-take-medicare-at-65-if-you-re-not-retiring-until-66So, what happens with Medicare and your health insurance when you’re turning 65 but plan to work until you’re 66? Many people delay retirement now that you have to be 66 to take advantage of your "full retirement benefit" from Social Security. This decision tends to make the Medicare enrollment process a little more confusing but we can help you through it.First, you need to know what your employer has to offer.1. Can you keep the plan you currently have for a reasonable monthly premium?IfMon, 20 Jan 2020 19:22:44https://stlouisinsurancegroup.com/insideinformation/do-you-have-to-take-medicare-at-65-if-you-re-not-retiring-until-66https://stlouisinsurancegroup.com/insideinformation/can-hospital-indemnity-insurance-help-youIf you have a Medicare Advantage plan, it's probably because there is no monthly premium. But remember, there will be a charge when you need medical care. There is an easy and inexpensive way to make sure you are protected from these costs. The monthly premiums are low on Advantage plans because it is a “pay as you go” type of plan. So, when you use the plan, you will be charged. Sometimes the co-pays are low, like the amount you pay to visit the doctor. Other times the co-pays can beThu, 16 May 2019 18:57:36https://stlouisinsurancegroup.com/insideinformation/can-hospital-indemnity-insurance-help-youhttps://stlouisinsurancegroup.com/insideinformation/is-guaranteed-issue-life-insurance-the-right-optionThe term Guaranteed Issue life insurance often comes up when researching insurance options but it is rarely explained. What it means is that a person is GUARANTEED to qualify for this type of life insurance policy no matter what health issues they may currently have. Many people think “guaranteed” refers to the death benefit, but it actually refers to the application and issue process.Usually there are no health questions and no medical exams with these types of policies. This is a greatThu, 16 May 2019 19:04:27https://stlouisinsurancegroup.com/insideinformation/is-guaranteed-issue-life-insurance-the-right-optionhttps://stlouisinsurancegroup.com/insideinformation/how-much-does-life-insurance-costMost people grossly overestimate how much life insurance costs. We insure our homes, our cars, our vacations and even our cell phones. Still, the most important thing we have, our lives, goes uninsured. Are we really saying that our lives are less important than our cell phone? One of the many reasons people avoid buying insurance is because they expect the life insurance cost to be too expensive. It’s really much more affordable than you think.There is a little bit of planning that goes intoThu, 16 May 2019 19:35:08https://stlouisinsurancegroup.com/insideinformation/how-much-does-life-insurance-costhttps://stlouisinsurancegroup.com/insideinformation/what-s-the-difference-between-medicare-plan-f-plan-g-and-plan-nIf you have decided you want a Medicare Supplement, your next decision is what Plan you want to have.Thu, 16 May 2019 18:50:46https://stlouisinsurancegroup.com/insideinformation/what-s-the-difference-between-medicare-plan-f-plan-g-and-plan-nhttps://stlouisinsurancegroup.com/insideinformation/can-i-get-life-insurance-without-medical-exam-requirementsIn our experience, one of the primary reasons people don’t buy life insurance is because they don’t want the hassle of a physical exam. Fortunately, whether you are looking for Term or Whole life policies, there are many companies who offer life insurance no medical exam options for their plans.Thu, 16 May 2019 18:50:44https://stlouisinsurancegroup.com/insideinformation/can-i-get-life-insurance-without-medical-exam-requirements