I think we can all agree that the labor market post Covid has been difficult. Even though the unemployment rate has dropped to pre-covid levels of about 3.6% there are still many workers who have been displaced for many reasons.

There are many moving parts to a Health Insurance policy. There are Premiums, APTC's, deductibles, Copayments, Co-Insurance, and Maximum Out of pocket expenses or MOOP, SEP, and balance billing issues.

Coronavirus and it's many variations have affected the Health and Medical Industry in many different ways. The most profound way is that over 925,000 Americans have lost their lives after having been exposed to this Virus.

The 2022 ACA/Obamacare Open enrollment was a very busy Open Enrollment. There are several reasons.

The Medicare Annual Election Period or AEP ended on December 7th just as it does each year.

Let's talk about Medicare (SEP) Special Enrollment Period and then we will discuss Medi /Medi Plans.

Dental ,Vision, and Hearing coverage is included in most Medicare Advantage plans at no additional cost.

The Annual Election period to change your Medicare Advantage plan or your Medicare Part D plan starts on October 15th and ends on December 7th.

CNN anchor Don Lemon offered a full-throated defense for the Biden administration amid the fallout of the chaotic withdrawal from Afghanistan.



There are many theories about how Covid-19 came about. From infected bats which somehow got into the food supply in Wuhan, China, to many who feel that this was an engineered virus designed to control the population in China, to many who feel this was an engineered virus for the purposes of biological warfare.

Original Medicare, Parts A&B and a Supplement is usually a Medicare beneficiary's best option available once you turn 65 when you are faced with the decision of which Medicare Plan to choose. As long as the cost for the monthly premium is affordable then purchasing a Medicare Supplement policy to supplement your Original Medicare will be your best option.

Here's how Democrats want to expand Medicare

Stephanie Asymkos┬ĚReporter

Baked into the Democrats' $3.5 trillion federal spending bill is an overhaul to the Medicare system that supports more than 62 million Americans and has largely remained unchanged for the last 50 years.

(CNN)Unemployed Americans will be able to sign up for hefty subsidies for 2021 coverage on the federal Affordable Care Act exchange starting July 1, the Biden administration announced Tuesday.

Short Term Medical Insurance can be a great short term solution to fill a temporary gap in your Medical coverage. Let's just say you left your job for another opportunity and now you are left with a 3 month gap in your coverage because maybe you are in a 90 day probationary period with your new job. Short Term Medical can be the perfect solution.

Having worked in the Insurance industry for more than 32 years I've had the opportunity to connect with many Primary Care Groups here in Florida. The Primary Care group that stands out from the rest is Senior Medical Associates. They have 10 offices here in Broward County.

As the Annual Enrollment Period (AEP) fast approaches, October 15th to December 7th, you should make sure that your current Medicare Plan is meeting your needs.

The most important issue is to make sure most or all of your doctors take your current plan. If not, that could be a reason to change your plan.

Supreme Court decision regarding Obamacare


Today the Supreme Court dismissed the challenges of Obamacare from the prior administration. The challengers apparently did not have the legal right to bring the case to the Supreme Court.

Using Medicare & You 2020

Using Medicare & You 2020

William C. Lane, Ph.D. Posted Sunday, October 27, 2019 9:00 am

This marks the sixth consecutive year that I have devoted a column to the annual publication Medicare & You.

For those new to Medicare, prior to the Open Enrollment period all beneficiaries receive a publication from the Centers of Medicare & Medicaid Services entitled Medicare & You (2020).

You now have a choice of receiving this publication in either electronic or paper booklet format. If you have never read this guide, I urge that you read it once from cover-to-cover. After you have become familiar with the contents, you can read the publication for updates each year.


Guest view: Health proposals distinguish Democrats' campaigns

By The Columbus Dispatch Posted Oct 20, 2019 at 12:01 AM As health care shapes up to

As health care shapes up to be a top issue in the 2020 presidential elections, Tuesday's Democratic debate in Westerville helped to define key differences among challengers to President Donald Trump.

The election might be a year away, but with Ohio's presidential primary coming March 17, it is not too early for voters to get serious about evaluating where candidates stand on the issues they care about most.

How Mayor Pete can win the presidency with one precise letter

How Mayor Pete can win the presidency with one precise letter


Like many Americans, I'd support any of the more than 20 Democratic presidential candidates over the current occupant of the White House. They are all qualified, articulate, thoughtful, patriotic grownups. Not one of them spent the Fourth of July thanking the Continental Army for securing LaGuardia. Nor does any need a teleprompter to speak full sentences. What they do need is precise answers about our nation's top domestic problems.

Take health insurance. Sens. Sanders, Warren and Harris, Rep. Castro and Mayor De Blasio want to extend traditional Medicare (parts A, B, and D) to all Americans. But the other candidates? It's not clear.

Biden on Obamacare, Medicare for All: Starting over would be 'a sin'

By: Eric Bradner, CNN
Posted: Jul 08, 2019 09:31 PM CDT Updated: Jul 09, 2019 01:10 AM CDT

Joe Biden says he opposes fellow Democratic presidential contenders' push for a "Medicare for All" program because such an overhaul of the nation's health system could not coexist with the Affordable Care Act.

Cancer and Medicare - How Are You Covered?

Cancer and Medicare - How Are You Covered?

Cancer and Medicare - How Are You Covered?Danielle Kunkle Roberts | 13th September 2019 | CANCER, GLOBAL REACH

Cancer is most prevalent in senior age groups. According to the Centers for Disease Control and Prevention (CDC), there were nearly 265,000 new cancer cases in 2016 in the United States within the age group of 65 to 69. Globally, seniors make up 60% of new cancer diagnoses.

Many of these new cancer patients have either just entered Medicare or have only been on Medicare for a few years. It's reassuring to know that Medicare has comprehensive coverage for cancer care.

Biden v Sanders: Top 2020 contenders snipe over healthcare policy

Mr Biden, vice president for eight years under former President Barack Obama, said a US$750 billion plan he introduced on Monday would strengthen Obama's landmark healthcare law known as Obamacare and include an option for a paid government-run plan.

Coming Up: President Trump delivers remarks at Teen Student Action Summit 2019  Trump Says Buttigieg Is Mayor of 'Failed City': Campaign Update

(Bloomberg) -- Donald Trump issued his most extensive criticism of presidential candidate Pete Buttigieg, the South Bend, Indiana, mayor who is at the top of the Democratic field in fundraising.

President Donald Trump on several occasions has taken credit for making Medicare "stronger." In one instance, he said, "Medicare will be $700 billion stronger over the next decade thanks to our growth."

MONEYBOX John Delaney Actually Perfectly Embodies How the

John Delaney, enjoying some time in the spotlight.
Justin Sullivan/Getty Images
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Dear Care and Feeding: My In-Laws Insist on Giving My Spoiled Niece a Gift, Too, at Everyone Else's Celebrations. Is This Normal?

The Trump administration is looking to make "disruptive" changes to U.S. drug pricing to bring down costs for patients, Health and Human Services Secretary Alex Azar said.

The fight between Kamala Harris and Bernie Sanders over

The fight between Kamala Harris and Bernie Sanders over "privatizing Medicare," explained

No, Kamala Harris's Medicare-for-all plan is not proposing privatized Medicare. But she does have a lot of questions to answer. By Tara Golshan Jul 31, 2019, 1:00pm EDT

Democratic presidential candidates Sen. Bernie Sanders (I-VT) and Sen. Kamala Harris (D-CA) both support Medicare-for-all. But they really don't agree on what that is. Drew Angerer/Getty Images

Sen. Bernie Sanders's campaign says Sen. Kamala Harris's "Medicare-for-all" plan - one that establishes universal health care through both government-run and private health insurance - is "privatizing Medicare."

JULY 27, 2018 On Wednesday, the Centers for Medicare and Medicaid Services (CMS) released the calendar year (CY) 2019 hospital outpatient prospective payment system (OPPS) proposed rule addressing payments to hospital outpatient departments and ambulatory surgery centers (ASCs).

An increasingly popular culprit in the debate over high drug prices is the pharmaceutical rebate, the after-the-fact discounts that form the heart of the nation's arcane - many would say broken - market for prescription drugs.

Several studies have found that medical marijuana has reduced opiate deaths by 25 percent while significantly curbing opiate use among Medicare patients.

Why Health Care Costs Need to be Part of Retirement Planning

Why Health Care Costs Need to be Part of Retirement Planning

New HealthView Services White Paper focuses on how working Americans can generate enough retirement income to cover future health care needs

by Brian Anderson July 9, 2019 in Financial Wellness, Research/Tools, Your 401k News

The average healthy 65-year-old couple retiring this year will need $387,644 in today's dollars just to cover lifetime health care costs.

Sun North Port

Insurance available for rushes to hospital

By TOM HARMENING Staff Writer Sep 2, 2019 0


Staff Writer

PORT CHARLOTTE - You have health insurance, life insurance, auto and home insurance.

But what about ambulance insurance?



Medicare Changes Are Coming. Are You Prepared?

POST WRITTEN BY Gregory Gurbikian President/CEO at Healthcare Solutions Direct, LLC, a nationwide insurance agency focused primarily on the retiree health market

Changes are coming to Medicare because of the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA). First-dollar coverage for Medicare Supplement plans (also known as Medigap plans) will no longer be available to anyone new to Medicare. This will affect choices for Medicare Supplement plan availability, but that might end up being a good thing.


What's new in the Medicare landscape for 2020?

What's new in the Medicare landscape for 2020?


It will be easier than ever to compare Medicare Advantage and Part D plans on Medicare.gov. For the first time in a decade, a redesigned Medicare Plan Finder will allow users to shop and compare Medicare Advantage and Part D plans. The plan finder also will allow the user to compare pricing between original Medicare, Medicare prescription drug plans, Medicare Advantage plans and Medicare supplemental insurance or Medigap policies. You are able to compare up to three drug plans or three Medicare Advantage plans side-by-side. (Medicare.gov/plan-compare)


Trump touts support for Medicare, slams 'Medicare for All'

by The Associated Press | October 3, 2019 at 11:25 a.m. President Donald Trump walks out of the White House to speak to the media on the South Lawn in Washington, Thursday, Oct. 3, 2019, before boarding Marine One for a short trip to Andrews Air Force Base, Md., and then on to Florida. (AP Photo/Andrew Harnik)

WASHINGTON - President Donald Trump intends to tout his support for Medicare and slam left-leaning Democrats on their "Medicare for All" proposal when he visits Florida on Thursday.