Medicare Open Enrollment 2016

If you are currently covered by Medicare, you are probably glad that you have coverage that can help you handle your healthcare expenses. However, you might wish that you could make some changes to the type of coverage that you have.

Luckily, Medicare’s open enrollment period allows you to do just that. Also, the good news is that we can help you with Medicare’s open enrollment period this year. If you are thinking about comparing Medicare Advantage plans and potentially signing up for one of them during this period, you can use our handy site to find out about your options.

Medicare Open Enrollment 2016

You can sign up for Medicare Part A and Medicare Part B any time of the year as long as you are eligible for it. However, you cannot sign up for Medicare Part C, Medicare Part D or a Medicare Advantage plan unless you do it during the designated enrollment period.

Luckily, there are two open enrollment periods in place. For 2016, you can make changes to your Medicare plan from October 15 to December 7. During this time, you can sign up for Medicare Part D, change to another Medicare Part D plan or cancel your Part D coverage completely. You can also switch between Advantage plans.

During the next enrollment period, which runs from January 1 to February 14, you can also make changes. You will not be able to sign up for an Advantage plan during this time, however, so you should do that soon if you are interested. During the second enrollment period, however, you can sign up for Part D. Also, if you find out that you are unhappy with your Advantage plan, you can switch back to original Medicare.

Should You Make Any Changes This Year?

Switching to a Medicare Advantage plan during the 2016 medicare open enrollment period can be a smart decision. Then, instead of relying on Medicare alone to cover all of your healthcare needs, you will be able to work with a private insurance company. This can significantly reduce the amount that you have to spend on your deductibles and co-payments and can help make your healthcare costs easier to estimate and budget for.

How We Can Help

It can be overwhelming to try to make healthcare decisions on your own. Luckily, we can help. If you select your state from our drop-down menu, you can instantly see all of your Medicare Advantage options and can select the best and most affordable option for you. Then, when open enrollment begins, you will know exactly which company to go with.

Life Insurance Quotes with No Exam

Searching for life insurance quotes can be a time consuming process, and if you’re not willing to sit through a medical exam, it can be even more challenging. However, finding reliable quotes with no exam requirements is possible, and you can secure the level of quality you need if you know where to look.

Term Life Insurance with No Medical Exam

Of all the different types of life insurance, term life is the simplest, most popular. In many cases, the approval process for term life is offered without having to visit the doctor, take test or submit to a lengthy medical exam. It’s an effective solution for folks at every stage of life looking for coverage and is offered for 5, 10, 20, even 30 year terms. As an added benefit, term life insurance is usually more affordable than other types of coverage and is generally renewable. Start with term life insurance quotes no medical exam required and find what you’re looking for easier.

No Hassles, No Waiting Period

Why do so many people want life insurance quotes with no medical exam required? That’s easy. Would you rather make an appointment with your doctor, have to wait for availability, wait for test results then get a quote for life insurance or would you rather complete the entire application process from the comforts of your own home? You’re not alone if the hassle free way of securing life insurance is more appealing to you. In fact, with advanced quoting technology and state-of-the-art real time quotes, more and more people are choosing to pass intrusive requirements and head straight for life insurance quotes with no medical exam.

Reliable, Easy and Convenient

Nothing is more convenient than having access to everything you need in one place. And with reliable top providers offering term life insurance quotes without exam requirements, it’s never been easier to get the peace of mind and confidence you deserve with top of the line coverage. Make it easier on yourself and with a little knowledge, some resources and the right information, you can secure affordable, dependable life insurance that will be there for your family when they need it most.

Term Life Insurance Quotes: Online Comparisons

If you’re shopping for term life insurance and think it may be worth comparing quotes online, you’re right. More and more folks are taking advantage of the opportunities to save time, energy and maybe even a few dollars by using the internet to compare quotes from top companies. Getting information online is just as reliable as in person and in many cases, it’s easier, more convenient and faster. And after all, who wants to spend all day looking for insurance? Here are some of the reasons why folks are comparing term life insurance quotes online and getting the best deal to fit their needs and their budget.

Hassle Free Convenience- Quick and Easy

One of the biggest advantages to comparing term life insurance for seniors online, is the convenience in compare multiple quotes from A rated companies. It’s never been easier to use the internet from the comforts of home to get the information you need quickly and reliably. That means no waiting on hold, dealing with traffic or having to make an appointment just to learn that you’re not interested. With online comparisons, it’s as easy as entering your name and a few details into an online form to get dependable quotes in minutes- and yo decide if you’re interested in learning more or not.

Major Providers You Can Trust

Top providers understand that folks are depending on the internet for information and they’ve made it easy to get the details you need to make an informed decision. They’re household names you know and trust and they’ve have earned a reputation for delivering reliable coverage at affordable rates and now they’re offering instant quotes. Comparing rates online from top providers gives you peace of mind that the quotes you’re getting are accurate and from providers you can trust.

Competitive Rates

With online comparisons, you know you’re getting the most competitive rates available.  Top companies ensure this because they’re competing for your business. In fact, they’ve responded by making the same great deals and promotions available online that you can get in person. The competitive nature of the business keeps the pricing fair and the coverage reliable. But besides cost, comparing term life insurance quotes between top companies makes it more likely that you will get the exact coverage options you’re looking for to fit your specific needs.

Comparing term life insurance quotes online is a smart strategy if you know what you’re looking for and you stay with household names you know and trust. Instant, online comparisons are easy to get, reliable and safe, effective ways to get the details you need to make an informed decision.

Advantages of a Burial Insurance Policy

You may have heard about some of the benefits of obtaining burial insurance and you’re wondering how it can help protect your family. With a typical death benefit between $5,000-$25,000, the right burial insurance can bring security and peace of mind in an uncertain time. If you’re considering looking into burial insurance options, here’s some information that will help you make the most informed decision.

What Does Burial Insurance Cover?

In most cases, the typical burial insurance policy covers traditional funeral and burial expenses including the price of a casket, the ceremony in a funeral home, transportation and care of the body as well as a head stone and flowers. In some cases, burial insurance funds can be used to pay off debt, medical bills even the cost of administering probate. For many people, burial insurance is a helpful and often necessary part of ensuring loved ones can receive a proper burial. The cost of even the most conservative funeral can be in the thousands, and more and more folks are using burial insurance to shoulder out-of-pocket expenses.

Who Needs Burial Insurance?

While everyone can benefit from a quality burial insurance policy, folks looking to secure financial resources for loved ones or who wish to make specific arrangements ahead of time would benefit the most from burial insurance coverage. After all, no one wants to leave surviving family members with the unexpected burden of costly funeral and burial expenses. Essentially, you purchase a burial insurance policy, make the premium payments on time and when you die, a named beneficiary receives the payout. The good news is, the premium never increases and the benefit never decreases.

Comparing Burial Insurance For the Best Rates

As is true with all insurance coverage, comparing rates and coverage options between companies is the fastest, most effective way to secure the most competitive rates. Luckily, it’s easy to find quality burial insurance online and most reputable websites offer 24 hour access to online quoting for comparing rates between multiple providers. However, make sure the website you choose works with only top providers and provides a quote engine that is free, easy to use and most importantly, accurate.

Burial insurance gives your family and loved ones the peace of mind and financial resources they deserve to make important end of life decisions. Losing a loved one is difficult and the right burial insurance can help by making things a little easier.

Health Insurance for Children

Child Only Health Insurance Program – Not as Many Options, But Assurant Is one

As a parent, it used to be pretty straightforward to secure quality health insurance for your child. You simply added them onto an existing policy or you purchased a child only plan from a trusted provider. However, with the passage of the Affordable Care Act, the insurance industry has made a few changes, making it more difficult to find medical coverage for a child without a parent or guardian on the policy. There are certainly fewer options available for the consumer, but it is possible to find quality coverage, you simply need to know where to look.

Health Care Reform and Industry Changes

No one would argue the health insurance industry is problem free. In fact, with increasing costs of medical care affecting premiums and availability issues, it’s difficult to secure quality coverage for yourself and your family. As part of the new requirements, health insurance providers are no longer allowed to refuse coverage to children with pre-existing conditions. While this seems like a change for the better, it has had a devastating effect on the insurance companies. In efforts to maintain profitable, many major carriers have opted to discontinue offering child only plans, leaving many consumers scratching their heads wondering what to do.

Finding Another Alternative

For many parents, adding a child to a group plan is simply not a cost effective solution. Group insurance is typically quality coverage, but the cost increase when adding dependents is unsustainable for most. There are companies that continue to offer child only coverage, but finding a quality provider is challenging. Besides, if you find affordable rates, there’s no guarantee benefits will be delivered on time or at all. As a parent, you need a solution that is not only affordable, but reliable and trustworthy.

Assurant Health as a Cost-Effective, Dependable Solution


Assurant Health is a leading insurance provider that has been providing quality coverage for families like yours for generations.  A well-respected and trusted company, Assurant is one of the few leading carriers still offering child only health insurance. Assurant health Access Plans are customizable, giving you the most flexibility available. Considering the unique medical needs of children, a policy with Assurant ensures you get coverage you’ll use like doctor’s visits, emergency room care, even prescriptions. It’s a cost effective solution and reliable coverage you can trust. Plus, with no deductible, Assurant plans give you peace of mind your child has access to medical care when they need it.