Don’t make the mistake of leaving your assets to the wrong heirs. These simple suggestions can help your loved ones avoid headaches and uncomfortable conversations.
Medicare is looking out for you! Have you received a new card in the mail? If you have not you will soon. Read about how they are protecting you from fraud.
Finding ways to skim down the cost of your healthcare could be dangerous. Many people with Medicare may be eligible for the Extra Help program but don’t even know it. Are you or a family member one of them?
Medicare clients have the option of receiving their benefits through Original Medicare, Original Medicare and a a Medicare Supplement, or a Medicare Advantage Plan. Under Original Medicare, your benefits would be partially paid for by the federal government. Medicare...
At Hovis & Associates, continued education for our insurance agents and financial advisers is something that greatly benefits all of our clients. We pride ourselves on following best practices in the insurance community and want to make sure our clients are...
The team at Hovis & Associates is proud to announce that we have partnered with Brenden’s Friday Backpack for the 2015 season. This amazing charity has been helping feed children in our community since 2011 and now reaches more than 850 children in 11 school...
Although Medicare provides a range of health care benefits to seniors and those with disabilities, it does not cover routine teeth cleaning, vision tests, hearing tests and similar procedures. There are some Medicare Advantage plans, however, that provide preventive...
Medigap is a type of supplemental health insurance to help fill in any gaps in coverage (hence the name) not filled by Medicare. Medigap is sold by private insurance companies and covers things such as deductibles, coinsurance and co-payments. You can also opt for a...
Every year, those with Medicare or Medicaid must reexamine their expenses as premiums change, deductibles go up, and new laws go into effect. The Centers for Medicare & Medicaid Services announced changes to the 2016 premiums and deductibles for Medicare Part A...
When it comes to planning for retirement, you want to make sure you are prepared to live out your later years in the style you desire. Getting there isn’t always easy and is going to require some financial planning. While you’re working on your retirement...
