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...
MEDICARE U
Medicare University
Welcome to Medicare University! We are 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 sought out to provide a comforting environment for you to educate yourself on all things Medicare. Below you’ll find an array of classes that are intended to help you make informed and effective decisions. Please use the search bar to find any class by specific content or select a category to see all classes within a series.
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...
40
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...
70
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,...
80
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....
170
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...
120
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...
120
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...
80
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...
50
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...
150
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...
150
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...
160
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...
60
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...
80
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...
60
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...
90
Medicare vs Medicaid
While both of these programs provide medical coverage, their functions and operations are very different. Here we will break down what...
140
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...
80
What are Special Needs Plans?
Medicare Advantage Special Needs Plans (SNPs) are private companies that the federal government pays to administer Medicare benefits....
110
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...
150
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...
100
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...
60
Medicare Part C & Part D Enrollment Periods
Schedule Your Call Today There are specific times when you can sign up for a Medicare Advantage Plan (MAPD), a Medicare Prescription Drug...
130
Medicare and COBRA Health Insurance
COBRA is a very cool name for health insurance. Much cooler than the Plan F’s or the those named after gems and metals, like Ruby and...
90
Are You Turning 65? Knowing Which Plan Is Right For You Depends on Your Circumstances
If you don’t sign up yourself, you may automatically get enrolled into Medicare Depending on your circumstances, you can either be...
60
What Medicare Doesn’t Cover
Medicare is pretty black and white about what they do and do not cover. Many will find it surprising that services like long-term care...
20