Jenny McCann



Updated FEMA SEP Extensions Empower Brokerage received updated information regarding FEMA SEP extensions for beneficiaries impacted by FEMA Disaster Declarations. This Special Enrollment Period is for Medicare beneficiaries who could not submit a Medicare Advantage or Prescription Drug Plan enrollment request due to the disaster. This includes both enrollment and […]

Updated FEMA SEP Extensions


Medicare 5-Star Plans From CMS for 2021 CMS uses a 5-Star rating system to measure how well Medicare Advantage (MA) and Part D plans perform. They use information from member satisfaction surveys, plans, and health care providers to give an overall performance star rating to plans, according to medicare.gov. Ratings […]

What Are Medicare 5-Star Plans And Why Are They Important?



What is Final Expense
What Is Final Expense Insurance and Do I Need It? Final expense insurance, a.k.a burial insurance or funeral insurance, is a type of permanent life insurance that provides coverage to pay for end-of-life expenses and funeral costs. It ensures those left behind have financial support through a challenging time. Facing […]

What Is Final Expense Insurance and Do I Need It?


Special Enrollment Period from FEMA
Special Enrollment Period from FEMA Great News. The Centers for Medicare & Medicaid Services (CMS) granted a Special Enrollment Period (SEP) for beneficiaries impacted by FEMA Disaster Declarations. This SEP is for Medicare beneficiaries who could not submit a Medicare Advantage or Prescription Drug Plan enrollment request due to the […]

Special Enrollment Period from FEMA


Medicaid Spend down
How Medicaid Spend-Down Works Many people mistakenly believe that they can count on Medicare to pay for long-term care services, such as in-home care or an assisted living residence. However, this is not the case. Medicare pays for doctors, hospitals, drugs, and short-term rehab after hospitalization. It does not pay […]

How Medicaid Spend-Down Works



Senior Financial Isolation
When the COVID-19 pandemic began in March, no one could not have imagined senior financial isolation would be one its side effects. But that is exactly what life insurance company, AIG, warns is happening. Older adults are at risk for severe illness from COVID-19, so the CDC urged anyone aged […]

Senior Financial Isolation Worsens During Covid



Humana Medicare Telehealth
Humana Expanding Telehealth for Medicare Advantage Members Humana is investing $100 million in Heal, a startup telehealth company, to bring in-person primary care to the home through house calls and telemedicine appointments. Through an easy-to-use app and website, patients can schedule a telemedicine appointment or an in-home visit from a […]

Humana Expanding Telehealth for Medicare Advantage Members