If you’ve got a Yahoo account, the latest identity theft news isn’t good. Today, Yahoo confirmed that 500 million accounts were affected by a massive data breach. Further details are not available at this time, however, these types of online breaches are, unfortunately, not uncommon. Any time there’s a breach of this magnitude, it’s a
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August 22, 2016 by Brad Gunning
How Much Does Medicare Part D Cost?
Prescription drug coverage is an important component of any “Turning 65” healthcare plan. The good news is not only are Medicare Part D prescription drug plans affordable, but they’re often cheaper than what you were paying before you became eligible. Medicare Part D Rates The exact costs vary depending on where you live (among other
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August 1, 2016 by Brad Gunning
What Are Your Medicare Options?
Medicare coverage can be confusing. You have probably heard of the different parts of Medicare: Part A, Part B, Part C, and Part D. It is easy to get these different parts of Medicare confused and most explanations don’t do a great job of explaining how each part works together. Medicare Options Summary Below is
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July 30, 2016 by Brad Gunning
What is Medicare Part D?
Medicare Part D – Prescription Drug Coverage Medicare Part D is also known as prescription drug coverage. You do not need to enroll in Medicare Part D when you contact the Social Security office to enroll in Medicare Part A and Medicare Part B. Instead, you can buy Medicare Prescription Drug coverage through a certified
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July 29, 2016 by Brad Gunning
What is Medicare Part C?
Medicare Part C: Medicare Advantage Medicare Part C, also known as Medicare Advantage, offers the exact same coverage as combining Medicare Parts A and B (also known as Original Medicare). You will still need to first enroll in Medicare Part A and Medicare Part B before switching to a Medicare Advantage plan, so don’t procrastinate if
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July 28, 2016 by Brad Gunning
What is Medicare Part B?
Medicare Part B: Medical Insurance Medicare Part B is medical insurance and it generally pays 80% of the cost for doctor services and medical services as an inpatient, outpatient or even home health care. Outpatient care is not covered by Medicare Part A. Medicare Part B is not free and most people pay somewhere around $104
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July 27, 2016 by Brad Gunning
What is Medicare Part A?
Medicare Part A: Hospital Insurance Medicare Part A is free of charge for most Americans. Medicare Part A is hospital insurance. It covers inpatient care at a hospital, skilled nursing facility (SNF), or hospice. Part A also covers services like lab tests, surgery, doctor visits, and home health care. Medicare Part A is free for most
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July 16, 2016 by Brad Gunning
How to Avoid Becoming an Identity Theft Victim
The United States Department of Justice has its hands full with identity theft fraud cases. The DOJ notes “the damage that criminals do in stealing another person’s identity and using it to commit fraud often takes far longer to undo than it took the criminal to commit the crimes.” To help the public avoid becoming
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July 14, 2016 by Brad Gunning
What are the Different Types of Medicare Advantage Plans?
Medicare Advantage, also known as Medicare Part C, is a good alternative for people that can’t afford a Medicare Supplement Insurance (Medigap) plan. Medicare Advantage plans, however, have some restrictions you won’t find with a Medigap plan. One of the main restrictions of a Medicare Advantage plan is the plan’s network. Let’s take a look
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July 8, 2016 by Brad Gunning
Common Retirement Mistakes
The USA Today published an article titled Seven Big Mistakes Couples Make in Retirement. While the agents at Montana Life Group likely can’t help with Mistake #1 (couples that never talked to each other about retirement), we certainly can be a useful tool in avoiding Mistakes #3 (couples that didn’t do proper financial planning), #4
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