Zervos Financial Services, LLC

07/20/2023

While this article is true, it doesn't need to be. Medicare Advantage plans can often lower beneficiary's costs on Rx coverage as well as offer additional coverage like dental, hearing and vision coverage. Just give us a call to talk about what options exist.

This brief examines the financial burden of health care spending among households where all members are covered by Medicare compared to non-Medicare households.

08/10/2021

Medicare can be confusing. Let us help!

06/21/2021

Experts note the COVID-19 Delta variant is more contagious and produces more serious symptoms than other variants. Current vaccines are effective.

06/11/2021

I think this article summarizes what many of us have known for a while now. Mental health is perhaps even more important now as we cope with an ever changing world. Most group health plans and ACA compliant individual plans offer outpatient mental health visits with just an office visit copay with the Mental Health Parity regulations. People just need to be made aware that this is available to them.

For starters, mental health benefits are now table stakes in a post-COVID era.

04/07/2021

It's important to remember that as we come back from spring break that we monitor our kids for symptoms before sending them back to school.

"All the things that we had planned for about kids in schools with this virus are really no longer applicable. We've got to take a whole new look at this issue."

03/22/2021

If you run a small to mid-sized business and offer employee benefits, it never hurts to have an evaluation of your program. If we can't improve your situation and either lower your costs or get better benefits for your money, then you will have the peace of mind that you have the correct plans in place. You don't need to wait until your renewal period is up either. A review can happen year-round.

Let us know if we can help!

03/22/2021

https://www.benefitnews.com/news/why-your-benefits-package-should-factor-in-children

This really is a large issue facing employers as the remote learning and odd schedules of schools trying to return to in-person learing.

A husband and wife team decided the best way to fix the virtual child care problem was to be the solution.

11/13/2020

Great news for patients in MI.

Gov. Gretchen Whitmer recently signed into law new restrictions on doctors and medical providers sending surprise out-of-network bills to patients.

11/06/2020

As of October 22, 2020, there is some protection against balance billing in Michigan when seeking services in an in-network facility. It's not perfect, but it's a good start at protecting patients against this practice.

11/06/2020

STATUS UPDATE: Find a Medicare Advantage plan that shines. ✨ Because of their commitment to your care, HAP has received 4.5 out of 5 stars for their Medicare Advantage HMO plans and 4 out of 5 stars for their Medicare Advantage PPO plans. Interested in more information? Let’s talk today.

https://hap.isf.io/?AgentCreditCode=47C22022-C9B2-4E89-97CF-54243DF2F2A6

Click on the link above to learn more or call or email me direct at 248-663-5363 or [email protected]

09/15/2020

Hopefully this will truly help lower prices and not shift costs elsewhere.

President Donald Trump signed a new executive order on Sunday aimed at lowering drug prices in the United States by linking them to those of other nations and expanding the scope of a July action.