Alan Schulman - Insurance Benefits and Advisors

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Alan Schulman - Insurance Benefits and Advisors

What makes IBAA different than your current consultant: Alan has been in this industry for 30 + years

The world of employee benefits is ever-changing and evolving. With the consistent introduction of varying funding alternatives to traditional health insurance, the opportunity to reduce your expenses and increase your company’s bottom line rises, but so does the complexity. We take pride in clearly explaining and navigating the often foggy landscape of employee benefits.

09/02/2026

Applying for life insurance? Don’t stress.

You don’t need perfect health to get covered—just realistic expectations. Your job, habits, and even your height and weight all play a part. The key? Apply while you're still healthy.

🛡️ We’ll help you get started.

08/26/2026

🚨 Scammers Are Targeting Grandparents—Here's How to Outsmart Them 🚨

Imagine getting a late-night call from someone claiming to be your grandchild, saying they’re in trouble and need money right now. Your heart races—and that’s exactly what scammers are counting on.
The “grandparent scam” is on the rise, with fraudsters using emotional urgency to trick older adults into sending money through untraceable methods like gift cards or wire transfers.
🔍 Watch for these red flags:
• High-pressure “emergencies”
• Vague details or asking you to name who’s calling
• Requests for payment via gift cards, crypto, or cash
• Calls at odd hours
• Being told to keep it a secret

✅ What to do:
• Hang up and call your grandchild directly
• Don’t trust caller ID—it can be faked
• Talk to someone you trust before acting
• Report suspicious calls to 833-FRAUD-11 or the FCC

👉 Already sent money?
Call your bank or payment provider immediately. Then report the scam to the FCC, local police, and ic3.gov.

📣 Please share this post to help protect your friends, neighbors, and loved ones—especially older adults. A quick conversation could prevent a major financial loss.

08/19/2026

✅ Quick Reminder: We’re Here to Help Your Loved Ones Too!

Let’s face it... Medicare can be confusing — but your friends and family don’t have to figure it out alone.

Whether they’re turning 65 soon, already enrolled in Medicare, or just have Medicare questions, we’re happy to provide clear, personalized guidance to help them make sense of their options.

There is:
🧭 No cost.
🧭 No pressure.
🧭 Helpful information they can trust.

Feel free to share our contact info with anyone who could use a little peace of mind as they navigate Medicare. We appreciate your continued trust!

08/12/2026

Life Insurance + Long-Term Care: A Two-in-One Solution

No one loves thinking about long-term care—but most of us will need it someday. And with the rising cost of healthcare, relying on savings alone to cover long-term care could leave your future on shaky ground. But many people worry about investing money in long-term care insurance -- what if you are lucky enough to never need it? How can you ensure the money you have spent doesn’t just go to waste?

👉 That’s where hybrid life insurance comes in.
These policies combine life insurance with long-term care benefits. That means:
✅ Coverage for care like in-home help or assisted living
✅ A guaranteed death benefit for your loved ones
✅ Peace of mind knowing your money won’t go to waste—even if you never need care your family will still receive the life insurance benefit

Whether you’re planning ahead or rethinking your current strategy, hybrid policies offer flexibility, stability, and real value.

📞 Curious if this option fits your future? Let’s talk. We’ll walk you through it—no pressure, just good planning.

08/05/2026

🕺 It’s never too late to start moving! Staying active is one of the best ways to boost your energy, protect your health, and feel better every day—at any age.

Here’s how to keep it simple and sustainable:
🚶 Walk, swim, or dance—whatever you enjoy
💪 Add light strength training for bones & muscles
🧘‍♀️ Try yoga or stretching to improve balance
🎯 Set small, realistic goals and build gradually

You don’t need to be an athlete—just consistent. Movement is medicine. 💥

07/29/2026

💡 Medicare Costs Could Be Higher Than You Expect!

If your income is above a certain level, you might have to pay more for Medicare. It’s called IRMAA (Income-Related Monthly Adjustment Amount), and it can add extra charges to your Part B and Part D premiums.

✅ IRMAA is based on your income from 2 years ago
✅ It affects individuals earning over $106,000 and couples earning over $212,000
✅ You can appeal it if your income has dropped due to retirement or other life events

📌 Planning to enroll in Medicare soon or already enrolled and confused about a recent bill? We can help you understand your options—and possibly reduce your costs.

👉 Send us a message or give us a call today. Let’s make sure IRMAA doesn’t catch you off guard!

07/22/2026

On Medicare? Time to Look 👓, Listen Up 👂, and Smile 😷

Did you know original Medicare doesn't cover routine dental, vision, or hearing care? It’s important to know your options! Explore Medicare Advantage plans or standalone policies to get the coverage you need. If you have questions, we can help!

07/15/2026

Healthcare from Home: How Telehealth Empowers Medicare Beneficiaries

Did you know that as a Medicare beneficiary, you may have access to virtual doctor visits, mental health care, and chronic condition management—all from the comfort of your home?

Thanks to changes in Medicare coverage in recent years, telehealth is now more accessible than ever, especially for seniors and individuals with mobility or transportation challenges.

Here’s what you can do with telehealth under Medicare:

✅ Talk to your doctor or specialist from your living room via phone or video.
✅ Manage chronic conditions like high blood pressure, diabetes, or heart disease with virtual check-ins and medication reviews.
✅ Access mental health services, including therapy and psychiatric evaluations, with expanded coverage under Medicare Part B.
✅ Save time and money—no more long drives, parking headaches, or waiting room delays.

Whether you live in a rural area or simply prefer the convenience of care at home, telehealth gives you more control over your healthcare experience.

💡 Look for platforms that are easy to use, protect your privacy, and help coordinate prescriptions or specialist referrals.

📞 Have questions about what telehealth options are available to you? Ask you insurance provider and/or your doctor.

07/08/2026

🌟 Know Someone Who Needs Help with Medicare? 🌟

Navigating Medicare can feel confusing — but it doesn’t have to be. If you have friends or family who are approaching Medicare eligibility, or just want a second look at their current coverage, we’re here to help. We provide:

✅ Unbiased education
✅ Personalized support
✅ No obligation, no pressure

Have them reach out to us with their Medicare questions — we’re happy to provide the guidance they need to make informed decisions.

Thank you for trusting us to help you — and those you care about — with important Medicare choices!

07/01/2026

Struggling with Prescription Costs? Medicare Extra Help Could Be the Answer!

If you’re on Medicare and your drug costs are stretching your budget, the Extra Help program (also called the Low-Income Subsidy) may be just what you need. In 2025, Medicare will cap prescription drug costs at $2,000—but if you qualify for Extra Help, your costs could be even lower—or possibly nothing at all.

Wondering if you’re eligible? You have options!
✅ Apply online at ssa.gov/extrahelp
✅ Call Social Security at 1-800-772-1213
✅ Visit your local Social Security office
✅ Or connect with your State Health Insurance Assistance Program (SHIP) for free, unbiased help

Many people are surprised to find out they qualify—even with modest income or savings. And if you get Medicaid, SSI, or are in a Medicare Savings Program, you might already be automatically enrolled!

💬 Need help checking your eligibility or applying? We're here to help!

Address

2003 Little Haven Court
Olney, MD
20832

Telephone

+13015805176

Website

https://insurancebenefitsandadvisors.com/

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