Higher copays seen for Medicare drugs

With three weeks left for seniors to change their Medicare prescription plan for 2012, a study released Wednesday finds that copays for brand-name drugs are going up — sharply in some cases. Copays for preferred brand-name drugs will increase by 40 percent on average next year, and non-preferred brands will average nearly 30 percent more, according to the study by Avalere Health. Copays are the portion of the cost...

What is Life Insurance anyway?

Life insurance is a contract between the policy holder and the insurer, where the insurer promises to pay a designated beneficiary a sum of money (the “benefits”) upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness may also trigger payment. In return, the policy holder agrees to pay a stipulated amount (the “premium”) at...

It’s Medicare Choice Time Again

Compare, Shop, and Save When Looking for a Medicare Plan 10/11/2011 Dear Clients and Friends: We truly appreciate having you as our client, and hope you are doing well. We are here to satisfy your professional needs, but we also strive to make a difference in your life as a trusted resource and a valued consultant. Because of your importance to us, we want to be certain you are aware of this year’s...

A Sad Story With A Happy Ending…

A Legacy of...

A Great Smile Doesn’t Have To Cost A Leg….