Cyndi Ashton Senior Insurance Advisor

Cyndi Ashton Senior Insurance Advisor Cyndi Ashton is a completely independent insurance broker specializing in Medicare, Life Insurance and Dental Insurance Solutions for Seniors.

Well done is better than well said. Benjamin Franklin
07/01/2022

Well done is better than well said. Benjamin Franklin

Can my employer kick me off my group health insurance when I turn 65?It’s illegal for an employer to force any actively ...
06/30/2022

Can my employer kick me off my group health insurance when I turn 65?
It’s illegal for an employer to force any actively working employee to choose Medicare instead of their group health plan. You have the option to leave the group health plan and choose Medicare as your primary insurance instead, but your employer cannot make you do so.

Medicare Supplements only pay after Medicare has first paid its share. If Medicare approves a claim and pays the part th...
06/29/2022

Medicare Supplements only pay after Medicare has first paid its share. If Medicare approves a claim and pays the part that Medicare owes, it will forward the remainder of the bill to your Medicare Supplement.

When you are still actively working at a large employer, their Group Insurance pays primary and Medicare pays secondary.
06/28/2022

When you are still actively working at a large employer, their Group Insurance pays primary and Medicare pays secondary.

If you have COBRA and then become eligible for Medicare, usually at age 65, then you must enroll in Part A and B during ...
06/27/2022

If you have COBRA and then become eligible for Medicare, usually at age 65, then you must enroll in Part A and B during your Initial Enrollment Period. Your COBRA typically ends when your Medicare begins.

If you decide to leave an MAPD and return back to Original Medicare, you must notify your Medicare Advantage plan carrie...
06/24/2022

If you decide to leave an MAPD and return back to Original Medicare, you must notify your Medicare Advantage plan carrier. Otherwise Medicare will continue to show that you are enrolled in the Advantage plan instead of Medicare.

Many people new to Medicare feel surprised to find that Medicare covers only 80% of your Part B expenses. The other 20% ...
06/23/2022

Many people new to Medicare feel surprised to find that Medicare covers only 80% of your Part B expenses. The other 20% can be devastating to you financially if a serious illness arises. You can choose a Medicare Supplement that will pay some or all of that 20% for you, among other things. Supplemental insurance for seniors with Medicare essentially buys you peace of mind by eliminating that cost-sharing responsibility.

06/22/2022

You can apply for a Medicare Supplement insurance plan at any time. However, you may be subjected to medical underwriting, which is where insurance companies gather information about your health history and use past or current health conditions as grounds to charge you more for a plan or reject you from a plan.

Fast Fact: Each year, it’s important to review your Medicare health and drug coverage and make changes if it no longer m...
06/21/2022

Fast Fact: Each year, it’s important to review your Medicare health and drug coverage and make changes if it no longer meets your needs, or see if you could lower your out-of-pocket costs. You don’t need to enroll in Medicare each year, but you should still review your options.

Turning 65 in 2022? Confused about your Medicare Options? Contact us for a consultation, we will educate you on your opt...
06/20/2022

Turning 65 in 2022? Confused about your Medicare Options? Contact us for a consultation, we will educate you on your options.

You can also qualify for Medicare under these circumstances when you are under age 65: If you are permanently disabled a...
06/17/2022

You can also qualify for Medicare under these circumstances when you are under age 65: If you are permanently disabled and you have been receiving Social Security disability income benefits for 24 months. When you have end-stage renal disease, which is kidney failure that requires you to get dialysis or you are waiting for a kidney transplant. If you have Amyotrophic Lateral Sclerosis (ALS), also called Lou Gehrig’s disease

Who is eligible for Medicare part D?Anyone who is enrolled in either Medicare Part A or Part B (or both) is eligible to ...
06/16/2022

Who is eligible for Medicare part D?
Anyone who is enrolled in either Medicare Part A or Part B (or both) is eligible to enroll in Part D. You must enroll when you are first eligible unless you have other creditable drug coverage. Otherwise, you will be subject to an expensive late penalty for Part D later one.

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77020

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