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



Long Term Care
Long-Term Care Probability Think you won’t need long-term care? Think again. According to the U.S. Department of Health and Human Services, Long-Term Care (LTC) is something the majority of us will need. Approximately 70% of people over 65 will require chronic care later in life, and 20% of those individuals […]

Long-Term Care Probability


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


How To File A Medicare Advantage Appeal-500x333
How To File A Medicare Advantage Appeal If you have a Medicare Advantage plan then you are already aware that it covers all of Part A and Part B services. In addition, most Medicare Advantage plans offer prescription drug coverage (also known as Part D), along with vision, hearing, and dental […]

How To File A Medicare Advantage Appeal



Medicare Advantage waive copay
Medicare Advantage Insurers Waiving Cost-Sharing In response to the COVID-19 emergency, many Medicare Advantage (the private-plan alternative to traditional Medicare) insurers are voluntarily waiving cost-sharing requirements for COVID-19 treatment. This cost-share waiver applies to copays, coinsurance, and deductibles. UnitedHealthcare, for example, has a $0 copy for covered primary care provider […]

Medicare Advantage Insurers Waiving Cost-Sharing