Staying Healthy During the Fall and Winter Months
Keeping our seniors safe during the time when temperatures drop. Fall and Winter brings many pleasant things – the holiday season,...
MEDICARE U
Medicare University
Welcome to Medicare University! We like to think of this page as the educational platform of HRBC Insurance. We know that your health impacts your way of living, and that you’re never more confident than when you know the information personally. We have worked to provide an easier environment for you to educate yourself on all things Medicare. Below you’ll find an array of articles that are intended to help you make informed and effective decisions. Please check out the articles below and give us a call if you ever have questions or need help!
Keeping Your Heart In Check With Exercise
Check out some of these key exercises that will keep your heart in great shape. It seems that we are always trying to maintain our health...
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Tips to Get the Most out of Medicare Annual Enrollment Period (AEP)
Open enrollment is from October 15 - December 7. If you have Medicare, then you might be aware that we are entering one of the most...
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Working Past Age 65
If you’re still working past the age of 65, should you switch to Medicare? Unfortunately, there’s no clear answer, because every...
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Medicare Premiums and Their Effect on Retirement
Medicare and retirement sometimes go hand in hand. Make sure you know about both. All of your life, you have been advised to save your...
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Boost Your Immunity With A Healthy Diet
You are what you eat, so make sure you're eating foods that are good for your immunity. Presently like never before with the COVID-19...
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Why Medicare Part D – Is It Necessary?
Medicare Part D isn’t for everyone. Some often times ask, Is it necessary to have when you turn 65? The short answer is “No.” You can...
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Do I Need Medicare If I Work Full-Time?
If you're still working at 65, what are your options for Medicare coverage? Often times we get the question, “I turn 65 in two months,...
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Why Choose a Medicare Advantage Plan?
With the different options, why should you choose a Medicare Advantage plan? Medicare isn’t a one size fits all once you turn 65....
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How Does a Medicare Broker Get Paid?
A Medicare insurance broker is an independent agent who should give you an unbiased opinion based on your Medicare plan options. Because...
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Navigating Healthcare and Insurance Benefits
It's not always easy to understand your healthcare options and insurance benefits. When we go to the doctors’ office, we tend to expect...
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Keeping Your Heart Healthy
Your heart is what keeps you going. Make sure you keep it happy. Heart disease is the number one cause of death in Americans, both of men...
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Navigating Healthcare and Insurance Benefits
Sometimes we could use a little help understanding our coverage and benefits. When we go to the doctors’ office, we tend to expect that...
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Original Medicare and Dental Coverage
Original Medicare will only cover dental services when they are deemed medically necessary. Now, medically necessary isn’t as broad of a...
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What Dental Services Are Covered By Medicare?
Is there dental insurance for Medicare? Many of you may be surprised that the short answer is no; Original Medicare does not cover dental...
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Three Ways To Save On Medigap (aka Medicare Supplement)
Just like most other insurances, the rates on your Medigap Policy (aka Medicare Supplement) will inevitably go up almost every year. If...
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How To Apply For Medicare Online In Only 10 Minutes
Our #1 core value at HRBC Insurance is to always do the right thing. And the right thing to do at this time is continue providing our...
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Have You Have Been Enrolled Into A Medicare Savings Program (QMB)?
You may have received a letter saying that you have been enrolled into a Medicare Savings Program. These are low-income support programs...
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Medicaid Improper Billing
Many of those who have both Medicare and full Medi-Cal are often subject to improper billing practices by their doctors. Medicare is...
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Medicare Plan F is Going Away!
Many questions have come in wondering what this means, who does it affect, and why. The answer to all of these is it depends on your...
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Medicare vs Medicaid
While both of these programs provide medical coverage, their functions and operations are very different. Here we will break down what...
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Most Medicare plans have a coverage gap or the “Donut Hole”
Most Medicare drug plans have a coverage gap (also called the “donut hole”). This means there’s a temporary limit on how much of the cost...
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What are Special Needs Plans?
Medicare Advantage Special Needs Plans (SNPs) are private companies that the federal government pays to administer Medicare benefits....
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What are Medical Groups and How Are They Different From HMOs?
If you have been on an HMO insurance plan, you may have heard the term medical group. Medical groups are arguably the most important...
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When Can I Enroll Into a Medicare Supplement (Medigap) Plan?
Medicare Supplement plans have a unique set of rules compared to the rest of Medicare. Every other aspect of Medicare has very rigid...
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There Are Three Late Medicare Penalties If You Don’t Enroll When First Eligible
There won’t be a commercial for it. You won’t get a notice in the mail. At best, it’ll be found in the middle of the Medicare booklet...
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