What is Medigap?

What Is Medigap? Private insurance companies complement existing Medicare with a medigap also called a medicare supplementary plan. Medigap / Medicare Supplement plans cover healthcare service costs not included standard Medicare coverage. Thus, extending to co-pays, deductibles, and coinsurance out-of-pocket expenses, we otherwise incur. Straight Medicare Covers 80% of Hospital and 80% of Dr Visits,

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How Simplified Issue Life Insurance Works

Of the 54% of Americans who have a life insurance policy, 40% of them wish they had gotten into the game at a younger age. Are you shopping for life insurance? If you’re one of the people who waited and now feel stuck, there are a lot of options out there. Simplified life insurance companies offer fast, easy,

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Medicare Advantage Plans for 2020: How Do They Work?

The federal government is set to spend $722 billion on Medicare in 2021. This program provides much-needed care to some of the most vulnerable people in our society. However, if you’re in a position to benefit from Medicare, you should know that there may be a better option. Medicare Advantage plans are private insurance products that offer

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Coronavirus and COVID-19 and Caregiving for the Elderly

            The Corona Virus and the Elderly When it comes to COVID-19, older people are especially vulnerable to severe illness. Research is showing that adults 60 and older, especially those with pre-existing medical conditions, such as heart disease, lung disease, diabetes or cancer are more likely to have severe, even

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A Guide to the Different Types of Health Insurance Plans

From the years 2017 to 2018, the number of uninsured people increased by almost half a million. This comes out to 27.9 million  non elderly individuals who lack health insurance in this country. Frankly, that number is far too high. One health emergency, such as a broken arm or an unexpected surgery, could send people into

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Your Guide to Medicare Supplement Plan Options in 2020

    About 15% of the US population is over the age of 65. If you’re in this percentage or joining them soon, you need to understand your options when it comes to Medicare. While most people will have everything they need covered by a typical Medicare plan, others will need additional coverage. Fortunately, there’s an easy

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The Corona Virus and You/ What Now?/ How can we help?

                  The Corona Virus and You! What Now? EVERY DAY FOR WEEKS You cannot turn on the television or listen to the radio, or engage in a conversation that doesn’t revolve almost exclusively around the novel coronavirus (COVID-19).  It is a very unsettling feeling, and quite awe-inspiring

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San Marcos Broker – Agents – Medicare Made Easy

Complimentary Medicare insurance consultations from Just Us Insurance for individuals who are new to Medicare or who are turning 65 years old.. Have your recently turned 65? You only have a 7 month window available to sign up for Part B. This is called your “Initial Enrollment Period” (IEP). The timeframe to enroll for Part

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Coronavirus Health Advice – James Robb, MD FCAP

Coronavirus Health Advice – James Robb, MD FCAP 3-5-20 1. If you have a runny nose and sputum, you have a common cold 2. Coronavirus pneumonia is a dry cough with no runny nose. 3. This new virus is not heat-resistant and will be killed by a temperature of just 26/27 degrees. It hates the

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Coronavirus (COVID-19) – What you need to know today!

Corona -Virus You’ve likely heard about the Coronavirus in the news. We know you may have questions about this, so we wanted to help answer them. First, know that the Centers for Disease Control and Prevention says that the risk in the U.S. is still low. While there’s no vaccine for the coronavirus (COVID-19), there

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Life Insurance – You Need A Policy for Life’s Many Changes

A Policy for Life’s Many Changes Life brings changes — like new kids, a marriage, college, you are now self employed, you are now financially supporting aging parents, or you just got a promotion ! You need life insurance that keeps up with you. As one year ends and another begins, it’s a great time

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What is Type 2 Diabetes ?

  What is Type 2 Diabetes  Type 2 diabetes can affect all people, regardless of age. Early symptoms of type 2 diabetes may be missed, so those affected may not even know they have the condition. An estimated one out of every three people within the early stages of type 2 diabetes are not aware

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How to help employees manage “out-of-pocket” expenses

Though you may have a health insurance policy in place for your employees to ensure that they stay protected against possible illnesses and injuries, employees still delay medical care even when they have health insurance. The reason? High out-of-pocket expenses! Reports suggest that as compared to 1959, the average American is paying six times more

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3 Ways to Get Vision Coverage When You Retire

Almost 37 million Americans aged above 50 and one in every four aged above 80 develop some form of vision impairment according to the National Center for Biotechnology Information. Your chances of developing vision problems increase significantly as you age, which is why it’s important to have access to quality vision care as you retire.

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Just Turning 65? Just Confused about your options? Just New to Medicare? Just Moving in the area?

Just Turning 65? Just Moving in the area? Just New to Medicare? Just getting ready to Retire? Just Not Happy with your Current Plan? Just Confused about your Options? Just Paying too much? Just Us Insurance is Based in Sunny San Marcos, California. We are Independent Insurance Brokers and have been helping Southern Californians find

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Just Us Insurance Services in San Marcos, Ca. offers Medicare Home Appointments !

    Just Us Insurance Services offers Medicare Home Appointments ! We offer Medicare appointments in  San Diego County, Riverside County, San Bernardino County, and Orange County. Give us a call (877-777-7055) to discuss your individual needs and objectives, and if we cannot take care of you over the phone, or our home / office is

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Why Is Medicare Supplement Plan F being discontinued? Just Us Insurance in San Marcos

Why Is Medicare Supplement Plan F being discontinued? According to congress.gov, starting in 2020, Medicare Supplement plans that pay the Medicare Part B deductible will no longer be sold to those newly eligible. This change is part of the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA). If you already have Medicare Supplement Plan

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Turning 65 with Questions? Just Us in San Marcos – Medicare Made Easy!

Medicare Questions?  Turning 65? New to Medicare? Do I Need a Drug Plan? Do I have to sign up for Part B? Confused about your Medicare Options? 5 Biggest Mistakes Medicare Beneficiaries Make Does my Medicare A&B card get mailed to me or do I have to sign up? Do I need to sign up

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Not knowing the difference between Advantage Plans &Supplement Plans.

   

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5 great tips for handling your stress ! Brokers – Agents in San Marcos, California

Stress has always been a part of our lives. In this hectic time, people lead an increasingly stressful life. Experts state that a little stress can be good; it keeps you sharp and ready to move forward and is sometimes vital for achieving optimum performance. However, medical research has determined that prolonged stress is very

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