Health Benefit Options

Annual Plan Reviews Matter: Your healthcare needs and prescription medications can change from year to year. Reviewing your Medicare coverage annually helps ensure your plan still meets your needs.

COBRA stand for Consolidated Omnibus Budget Reconciliation Act. It's a law that protects you and your family if you lose your employer-sponsored health benefits. If you qualify for COBRA coverage, then you have the option of continuing your employer-sponsored health plan for a limited period of time.

Critical Illness Insurance provides benefits when a covered person is diagnosed with an eligible condition like heart attack, stroke, major organ transplant, end stage renal failure or coronary artery bypass surgery.

Stress Can Effect The Mind: Stress is one of the brain’s worst enemies. Over time, chronic stress destroys brain cells and damages the hippocampus, the region of the brain involved in the formation of new memories and the retrieval of old ones. Studies have also linked stress to memory loss.

The Income Related Monthly Adjustment Amount (IRMAA) is an additional monthly charge that people with certain high-income levels must pay on top of their Medicare Part B and D premiums.