Wise Up Financial

Have peace of mind when you get a customizable Medicare product before your turn 65. Because healthcare costs are rising, know how much coverage you need.

Connect with us to explore your best options.

How Does Medicare Part D Work?

Medicare Part D provides beneficiaries with copays for prescription drugs you need. It is a voluntary insurance plan that you can buy from private companies. A subsidy for low-income families is also covered.

Learn more: https://tinyurl.com/yjydyc56.

An Overview of the Medicare Part D Prescription Drug Benefit This fact sheet includes the latest information and data about the Medicare Part D prescription drug benefit, including current plan information, the standard benefit parameters, low-income assista…

Having Medicare and Medicaid provides more significant savings on your healthcare costs. Medicare pays out almost 80% of your doctor's costs, while Medicaid takes care of the rest.

If you need help applying for both insurance, connect now!

When you are approaching 65, it is essential to know some guidelines about your Medicare insurance for you to avoid potential mistakes many people experience, such as:

- Enrolling after the deadline

- Assuming they have joint coverage with their spouse

- Enrolling in the wrong plan

- Going out of network in Medicare Advantage Plan

Ask your local loved ones or a professional near you for help if you need one.

Medicare Advantage Options

The Medicare Advantage has grown to 39 plans in 2022, the largest number of options available in more than a decade. Look back at its milestones in the past ten years and predict if the trend will continue this year.

Click here: https://bit.ly/3COLwfB.

Medicare Advantage in 2022: Enrollment Update and Key Trends In 2022, nearly half of (48%) eligible Medicare beneficiaries are enrolled in Medicare Advantage plans. Medicare Advantage enrollment as a share of the eligible Medicare population has more than do…

What You Require

Most public health insurances have minimum requirements people must qualify for.

To know your eligibility for the health insurance application, simply visit their website, or ask your local or state health departments for more information.

It's all in you. No one will make the final decision for you, your children, and your small business- but you. But before you come to the right decision, you will need insights from people with vast knowledge about insurance -- people who you can trust.

And you can trust us at Wise Up Financial LLC. We will not push you to make impulsive decisions. Instead, we will help you identify your healthcare goals to come up with the insurance that matches your needs and where you can get the best coverage.

Book an appointment now!

Presidents' Day

A president is a person elected to rule for a specific period. And when we say elected, that means a huge responsibility to the country and its citizens.

We are one with the nation in remembering the contributions of our presidents in the past and present.

If you are eligible for premium-free Medicare Part A, you are also eligible for Medicare Part B. Your benefits can include outpatient care, ambulance services, preventative services, quality medical equipment, and various health screenings.

Insurance Plan For Small Businesses

An insurance plan for your employees provides extra protection for their health. And that is why the Affordable Care Act established the Small Business Health Options Program for companies with 1-50 employees.

Read more: https://bit.ly/3QEnMQV.

Small Business and the Affordable Care Act (ACA) The ACA established the Small Business Health Options Program (SHOP) for businesses and non-profits with 1–50 employees.

You may have wasted enough time, but if you want to change plans from Original Medicare to Medicare Advantage or vice versa, it is best to do it right now. Do whatever you think is better for you and will work best for you.

What's next after aging out of your parent's insurance?

By reaching 26 years old, you will have several options. And these are the following:

- If your (or your spouse's) employer offers a health plan

- A special enrollment in any other employer plan

- Temporary extended health coverage for up to 36 months under parents' employer-sponsored plan

- Through a special enrollment in individual coverage purchased through the Health Insurance Marketplace.

COBRA

The Consolidated Omnibus Budget Reconciliation Act gives workers and their families the right to choose to continue group health benefits for a limited time after losing their health benefits due to voluntary and involuntary job loss.

Read more: https://bit.ly/3GHqcde.

Continuation of Health Coverage (COBRA) | U.S. Department of Labor The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntar...

The Affordable Care Act provides relief for young adults by requiring insurance providers to cover their healthcare services up to age 26.

They will be under their parent's plan until they reach that age, regardless if they still live with them or not.

Helping You Decide

Are you still confused about which insurance plan to get? You might need help from our experts at Wise Up Financial LLC.

We can provide valuable and up-to-date resources to help you make that big decision for yourself and your loved ones.

It is an online portal where you, your family, or your small business can do the following:

- Compare health insurance plans based on coverage and affordability.

- Find out if you are eligible for tax credits for private insurance or health programs like Medicaid or the Children’s Health Insurance Program (CHIP).

- Enroll in a health insurance plan that meets your needs.

- Get answers to questions about your health care insurance.

But if you have more questions about Medicare before making any decision, call us at 832-400-6538.

The most costly decisions are wrong decisions. So if you are still undecided about enrolling for insurance or continuously delaying the application, think again.

Weigh the pros and cons and consider all the benefits and convenience it may bring in the future.

Home Health Benefits from Medicare

Paying for home care services that are out of pocket can be costly. That is why many family members apply as primary carers for their senior loved ones.

What does Medicare cover for them?

Check them out here: https://bit.ly/3CKTJ4A.

What Caregiving Costs and Services Will Medicare Cover? Some home health care services might be covered by Medicare if you are caring for a loved one who is homebound because of a chronic illness or injury.

Did You Know?

Nearly 70% of Americans are overweight or obese -- and those extra pounds drive up your chances of several types of cancer, including in your esophagus, pancreas, colon, kidneys, and thyroid gland.

(https://wb.md/3LzHV88)

Insurance plans will help you pay for medical emergencies, hospitalization, contraction of any illnesses and treatment, and medical care required in the future, especially in your senior years.

If you don't have health insurance, you're at much greater risk of accumulating medical bills that you may not be able to pay. And the worst case, you might face bankruptcy and lose everything you own due to the expenses you pay out of your own pocket.

Let us help you. Call 832-400--6538 now!

Social Security

You may have even seen ads on TV or heard about it in the news, and you're often left wondering what's going on.

Here's everything you need to know: https://www.healthcare.gov/quick-guide/dates-and-deadlines/.

When can you get health insurance? If you haven’t applied for insurance on HealthCare.gov before, here's what you need to know about the Health Insurance Marketplace®. To get ready for Open Enrollment, sign up for emails to get deadline reminders and other important information.

Speak to your doctor about what kind of plans would be best for you.

The government offers a number of different types of Medicare plans and this website will help you navigate the nuances between each one.

For Your Info

If you're thinking about signing up for Medicare Advantage, here are some things you should know:

- Prescription medicine coverage that is flexible.
- Limits on lifetime cost-sharing.
- No premiums or deductibles for Part D coverage.

The average cost of medical care in the United States is $1,194 per person per year. That's a lot of money. If you don't have insurance, you could be stuck paying for all those costs out of pocket. It's easy to see how quickly those expenses could add up.

But with Medicare health insurance, you'll be able to rest easy knowing that your healthcare needs will be met when they arise — without breaking the bank.

For Your Future

Do you know how some things in life are just necessary? If you don’t have them, you're not feeling secure and protected. Like, for instance, health insurance.

Here's a little something you can read about health insurance: https://bit.ly/3hMeuFx.

See How Health Insurance Coverage Protects You null No one plans to get sick or hurt, but most people need medical treatment at some point. Health insurance covers these costs and offers many other important benefits.

Social Security is a program that helps people pay for health care and other needs. It's also a social safety net for seniors.

It provides support in the form of monthly payments and helps pay for food, housing, and other basic necessities.

Medicare health insurance is one of the most important things you can buy as a senior citizen. It's important to remember that Medicare is not a substitute for private health insurance, but it does provide some coverage for medical expenses that are not covered by your other policies.

Medicare offers different levels of coverage depending on how much money you make and how long you've been paying into the system. If you qualify for Medicare, consider getting a supplemental policy to cover any gaps in your coverage.

Martin Luther King Jr. Day

We honour an extraordinary civil rights leader, activist, recipient of the Nobel Peace, and an exemplary American. Though he may be gone for many years now, his wisdom lives on and the world still needs his voice more so than ever.

Fight against injustice!

Get Help

If you're a senior citizen, you know that social security is a lifeline. It's one of the few government benefits that you can rely on to help us get by.

Here are some things you should know: https://www.seniorliving.org/finance/social-security/.

Resources for Seniors Surviving on Social Security SeniorLiving.org is compensated when you click on the provider links listed on this page. This compensation does not impact our ratings or reviews.

It's easy to get overwhelmed by the details, especially when you're trying to figure out what plan is best for your needs.

Medicare Advantage can be a great option for seniors who want more from their health insurance than traditional Medicare offers.