Ask Colleen King

Every year about this time you start to see commercials about the various Medicare HMOs and Part D drug plans. Then around November 15th, the true onslaught starts. This year the onslaught will come early. The Annual Election Period (AEP) will be from October 15 through December 7. This is the time you can change Continue reading →

When you change health insurance plans, or just drop coverage, your previous carrier will send you what’s called a Letter of Creditable Coverage. This will show the start and end day of your coverage with them. So what, what does this mean? This could be very important especially if you are moving to a different Continue reading →

There aren’t too many things more complicated that the collection of Medicare Advantage plans available to our Medicare population. There used to be Medicare HMOs and Medicare Supplements. Well Medicare Supplements are still around and serve a great purpose; they work similarly to a PPO health insurance plan because you can go to any doctor. Continue reading →

Health Insurance–group health insurance or Individual health, it’s the bane of most peoples’ existence. One way you can save money is on how you use your prescription drug benefit. Most of you will already know that many brand name drugs have generic equivalents. Whenever you can get a generic, with or without insurance, generics are Continue reading →

Medicare–the golden years–woo hoo! You finally have your red, white and blue card, health care until you ‘no longer need it’ is now taken care of. But are you okay with your current situation? Medicare alone does not cover 100% of everything so most people pick up additional coverage, which I will go through below. Continue reading →

Medicare Supplements, Medicare HMOs, do you need anything more than original Medicare? Well, if you’ve looked at how it works, you’ll know that there can be some hefty costs especially if you are hospitalized. Medicare Part A you automatically get at age 65 if you’ve worked a specific length of time in the US. This Continue reading →