The Medicare Advantage Open Enrollment Period (OEP) is from January 1 to March 31. Not everyone can make use of it, as it requires already having Medicare Advantage. It’s not mandatory to take action during this time, but if you want to get coverage that is a better fit for your needs, this is a […]

The Medicare General Enrollment Period (GEP) lasts from January 1 to March 31 each year. It’s a time designated for Medicare newcomers looking to get started with this program. However, this enrollment period has its limitations, which are highly important to know before making use of it. Who Is The General Enrollment Period For? This […]

Cancer insurance is a supplemental insurance policy that can help you cover more costs than what you can have from health insurance alone. While optional, it can relieve a substantial financial burden in a way no health insurance policy can. Why Get Cancer Insurance? Cancer is physically, mentally, emotionally, and financially devastating. It is a […]

Life insurance lets you provide for your loved ones in a way that nothing else can. All that’s required is signing up and paying premiums, and your insurer will dispense potentially life-changing wealth to your beneficiaries. But buying a policy in your 20s may seem unnecessary because at this time, you’re far from the end […]

Most people qualify for Medicare around the age of 65. This period is known as the Initial Enrollment Period, and it allows you to enroll in Medicare for the first time. Most will typically enroll in Original Medicare, i.e., Medicare Part A and Part B, but after enrolling in these two parts, you will have […]

Medicare has vast coverage. But how much it covers depends on you, as you have several options when it comes to Medicare plans. Some plans will save you on certain costs that others won’t. Medicare can cover hearing, but this requires enrolling in a particular type of Medicare policy. What Medicare Plans Do Not Cover […]

Annuities provide an income stream after you make an investment. But not all annuities are the same in terms of how the savings build and what your payouts will be like. It comes down to your preference between immediate and deferred annuities. Both have their own benefits, but one may be a better choice for […]

Long-term care insurance covers what your health insurance won’t. For example, Medicare covers treatments within facilities, but not the costs for staying in them, nor will it cover non-medical assistance. Long-term insurance, on the other hand, will cover those expenses. What Is Long-Term Care? Long-term care is non-medical assistance you receive in a nursing home, […]

Final expense is a viable alternative to other forms of life insurance. It is both inexpensive and inclusive. The enrollment process is simple, and it allows for you to provide for your loved ones when other policies are hard to qualify for. How Does Final Expense Work? When you join a final expense policy, you […]

Final expense and term life insurance offer coverage at a lower cost than other life insurance policies. They ensure that your loved ones will get the funds they need, without worrying about not being able to afford the premiums to retain coverage. But there are differences that can influence the ideal choice for you. What […]

Term life and permanent life insurance have the same concept – apply for a policy, get approved, and then your loved ones will receive a death benefit. However, there are contrasts that can influence what you choose. How Does Term Life Work? Term life insurance lasts 10-30 years. Once your policy expires, your loved ones […]

Life insurance is diverse because individuals have different needs. Different types of life insurance policies vary in how long they’re active, the demographic they’re best suited for, and how they function. What Are The Types? At the fundamental level, life insurance can be broken down into term life and permanent life.  Term life policies are […]

Medicare coverage is dependent on the form of Medicare you enroll in. This is especially true for dental and vision coverage, which requires joining a specific type of policy. And just as there is a specific plan that covers it, there’s also a specific time at which you can join it. What Medicare Plans Do […]

Medicare is complicated, and figuring it out alone is even more difficult. That’s why Senior Health Solutions is here to help, and here’s how. Who Are Senior Health Solutions? We take Medicare seriously. Not the cost, the coverage, or our benefits, but you. Your Medicare is the most important thing to us. We’re the experts […]

You have a few opportunities to enroll in Medicare, some better than others. What are your options? How can you plan? Let’s find out. Your Initial Enrollment Period The best time to enroll in Medicare is when you first become eligible for it. This is called your Initial Enrollment Period (IEP). You can start your […]

With so many Medicare plans to choose from, finding the right one can seem next to impossible. And, once you do have a Medicare plan, it’s easy to think that you may not have your best option. Let’s take a look at Medicare plans and which one is right for you. Your Coverage Options The […]

Every year, Medicare updates its costs. To help you budget and prepare for 2022, here’s what you can expect to pay for Original Medicare (Part A and Part B). Medicare Part A Costs Medicare Part A covers hospital stays and care. Let’s break down what you’ll pay monthly, for your deductible, and out-of-pocket for all […]

By Katelyn Gierer Wondering what the new year brings to your Medicare plan? We at Senior Health Solutions have outlined some important changes for you to consider when looking at your current plan. Have questions on whether or not the list below applies to you? Call us today at (888)710-0233. Medicare Part A: Most of […]

By Katelyn Gierer If you’re turning 65, or you’ve crossed that bridge already, chances are that you’ve heard of ‘Medicare and You.’ The 124 page packet goes over everything you need to know about signing up for Medicare. When I say everything, I mean it. EVERYTHING. It can get a little dense after a while. […]

Senior Health Solutions Announces New Location in the Saint Charles, Missouri Community Leading insurance company expands local office to better accommodate clients Senior Health Solutions is pleased to announce the relocation of their corporate headquarters to 3779 New Town Blvd, Saint Charles, Missouri.The move will accommodate recent staff growth and enable the company to continue […]

By Katelyn Gierer Tired of the high prices of insulin? We are, too! Good news is that Trump took historic action and signed four Executive Orders that will allow us to see a massive decline in insulin prices and epinephrine starting Jan.1st, 2021. There is even a great price cap that you can apply for […]

Businesses are starting to open back up, but the virus is still large and in charge. How can you stay safe from it? What are the measures you need to take? We compiled a list of instructions that can help you stay safe while also flattening the curve. Take a look and see what you […]

Having trouble landing a sale? It’s not as easy as some people make it look. Sales is a combination of research and marketing. At Senior Health Solutions, we train independent agents as soon as they start. Below we listed some of the most effective and basic insurance sales tips for you to follow. Step 1: […]

Do you have a plan to pay for long-term care? Unfortunately, many seniors and their adult children do not. This is problematic given that long-term care is a preeminent cause of devastating out-of-pocket health care costs for elders and their adult children. October was named Long-Term Care Planning Month to prompt seniors — and those […]

COVID-19 (Coronavirus) is affecting everyone’s lives, whether it’s your work schedule, hygiene habits or daily routine. The Center for Disease Control is recommending that you implement social distancing and clean your hands often, but how can you prepare your Medicare health insurance plan for an unexpected illness such as COVID-19? Do you have enough to […]

Extra cash when you need it most While many people have given health insurance and life insurance considerable thought, there may still be gaps in insurance coverage. Hospital indemnity plans help to fill in these gaps by providing a set amount of funds when the covered individual is hospitalized.  The set amount may be based […]

Be prepared to make changes The annual enrollment period for Medicare is fast approaching. This narrow period is from October 15 to December 7. During this time, individuals change their Medicare plan for the upcoming year. This is an ideal time to evaluate whether your current Medicare plan is really serving you as best it […]

Life insurance offers often overlooked benefits for financial planning Many merely consider life insurance as a necessary expense that gives more than peace of mind only at death. While true with respect to term life insurance, other types of more permanent life insurance have savings components that one can use as a financial tool while […]

There are a variety of ways St. Louis retirees can extend their savings and keep busy during retirement As people live longer lives, retirees may be concerned about outlasting their retirement funds. Others may find their bank accounts are unable to keep up with their cost of living. Many find that a leisurely retirement does […]

Longevity Means a Well-Rounded Financial Plan is More Important Than Ever Americans are living longer than ever before. Medical technology has increased the average life expectacy of a male to 83 years and the average female to 85 years. As the average life expectancy for an American is now in the mid-eighties, retirees need to […]

Life Insurance After 50: The Benefits of Whole Life Policies as Life Expectancy Increases Choosing the right type and amount of life insurance is not something to be taken lightly, especially if you are over the age of 50. As people are living longer, the average lifespan for men and women in the U.S. in […]

Planning for Retirement Begins with Insurance When planning for retirement, one of the first steps many investors take is to participate in a company-sponsored 401K plan or put money into a personal individual retirement account. In fact, many Americans contribute to these accounts and then do not pay much attention to their retirement strategy until […]

The Importance of End of Life Planning Discussions Broaching the subject of end of life planning with family members can be a difficult task. The mere thought of losing a loved one can be overwhelming and emotional. But increased life expectancy and advances in modern medicine offer opportunities to make informed decisions regarding end of […]

The unexpected expenses associated with dying and how to mitigate them While most people understand that a funeral can add up to a significant expense, they may fail to take into consideration other expenses associated with dying. Some of these expenses include: Obituary While many newspapers used to print obituaries as a public service, most […]

Recent Cancer Statistics Shed Light on Need for Coverage and Cost of Treatment What you need to know and how to protect your future Despite tremendous strides in cancer research, cancer continues to be a debilitating disease that takes the lives and livelihoods of individuals every year. According to the American Cancer Society, an estimated […]

Market volatility is one of the most important reasons that seniors today are aware of the benefits of paying attention to their financial strategy. As an investor, you have relatively no control over the markets. But you do have control over the planning decisions you make related to withdrawal sequences, taxes and even the way […]

A reverse mortgage, also referred to as a home equity conversion mortgage, is a home loan for individuals in St. Louis and throughout the U.S., aged 62 or older that does not mandate monthly mortgage payments. Older borrowers typically use a reverse mortgage to gain access to the equity already in the home, deferring payment […]

It is important to understand all of the potential gaps in Medicare so you are clear about the benefits provided by your Medicare policy, as well as where you may need to seek opportunities for supplemental coverage. There are several different reasons why you need to consider a Medicare supplement. You are able to minimize […]

The conversation about caring for elderly individuals is certainly heating up across America as baby boomers approach retirement age and beyond. It might feel as if everyone you know in St. Louis is helping to care for an elderly parent. There are various emotional impacts associated with making the difficult decisions about caring for an […]

Fines for Those Individuals Without Health Insurance Although more than 2.5 million new individuals purchased health insurance through the government enrollment system starting on November 1, a remaining 10.5 million people in the United States still do not have proper coverage and therefore remain exposed to potential penalties. One of the biggest reasons for the […]

Time is Running Out Soon If You Intend to Get Health Insurance Coverage According to officials in Washington, time is running out if you intend to get health insurance coverage for 2016. State officials have released information that you have until the end of January in order to become covered or you will be responsible […]

Medicare Rules Alter Hospital Admission Stats According to a recent analysis of health data conducted by the Wall Street Journal, there are some shifts in hospital trends in light of recent Medicare rules. According to the data, evaluated from Banner Health’s general hospitals, heart-failure patients who end up being admitted to the hospital again are […]

St. Louis Seniors Should Evaluate Multiple Insurance Options If you’re a senior citizen in St. Louis feeling overwhelmed by deductibles, co-pays, PPOs, and HMOs as it relates to your health insurance, you’re not alone. There is good news when it comes to finding a health insurance plan, however, even if you’re already on Medicare. The […]

Medical insurance is designed to cover the cost of basic care: a visit to the doctor here, a test there, prescriptions, and necessary hospital procedures. As you age, the likelihood of a major health crisis increases. For instance, your risk of cancer increases dramatically. Additionally, your risk of heart attack, stroke, or another acute episode, […]