Are you new to Medicare?

If you are 65 years or more, you might have heard of Medicare from friends, family, or colleagues. Anyone that turns 65 is eligible to apply for Medicare three months before reaching this age. If you have a disability, you could apply and get early Medicare, primarily for conditions like Lou Gehrig’s disease and End-Stage Renal Disease. Remember, you qualify for Medicare if you pay taxes and are working. There are many Medicare Options South Florida where you can find the alternative that fits your medical and financial situation.


Types of Medicare

If you want to fully understand the concept of Medicare and select the best option, you might need to contact an advisor. You can find several Medicare Options South Florida, where you can get important information on how to approach Medicare. I Will Advisors are well versed in Medicare and break down the four parts as A, B, C, and D.

Also, you can get significant information about Long Term Care Help South Florida. Part A, hospital insurance, and B, medical insurance, are the original Medicare. Parts C and D are still significant, but C is private health insurance while D only covers prescription drugs.


How to Sign Up for Medicare

When it comes to signing up for Medicare, you will begin with parts A and B. Before you proceed, you should know when and how to sign up for the coverage and when it will start. You will be eligible to sign up for Parts A and B when you turn 65.

Some people will automatically get parts A and B, while others must sign up for the cover. For manual sign up, you will need to contact social security.


When Does the Coverage Start?

Your coverage will start depending on when you signed up or the period in which you signed up for the service. When you turn 65, it will be your initial enrollment period.

The period will last seven months which starts three months before your birthday. Also, the period will end three months from the date you turn 65.

Part B begins in the next two months if you sign up a month before turning 65. If you sign up a month before your birthday, it will start the following month. If you sign up two or three months after your birthday, you will have to wait at least three months.

You can always find a Medicare Insurance Agency South Florida that will provide adequate information about the best cover and time to register. Remember to examine local reviews of any candidate agency you intend to seek their services.


Can You Get More Coverage?

After getting your cover, you can review your options from a Medicare Insurance Agency South Florida if you want information about more coverage. For example, you may need to decide between Original Medicare and Medicare Advantage. Original Medicare offers parts A and B with drug and supplemental coverage. Medicare Advantage has parts A and B with drug coverage and extra benefits like vision, dental, and hearing services.

If you need help with your choices, I Will Advisors will help you understand Medicare basics and other options like Medigap. Also, you can access services like Medicare solutions, life insurance & annuities, and Long Term Care Help South Florida.

Anyone aged 65 years or more can register for Medicare and enjoy its benefits. The earlier you register, the earlier you will get to use the coverage. Speak to a reputable advisor to understand the different types of Medicare. Allow them to help you select the best coverage for your situation.

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5 Things Florida Seniors Look for When Choosing Insurance Assistance

If you are a senior in Florida and have a hard time paying your bills, consider applying for insurance assistance. Insurance assistance helps people who are having financial problems with their health insurance. For example, if you have an expensive medical condition and you can’t afford to pay for the treatment, you might be able to get senior insurance help in south Florida. Here are the things to consider when choosing a company for insurance assistance. 

1. Lifetime Limits 

The first thing you should look for is the lifetime limits. The limit is the maximum amount you can receive in benefits from the insurance assistance program. The limits vary by state and by the health insurance company. For example, in Florida, Medicaid has a lifetime limit of $2,000 per person and $4,000 per family. You might want to choose a company that will help you with your medical bills for the rest of your life. 

2. Coverage 

When you need senior insurance help in South Florida, consider how much coverage the company can give you on its health insurance plan. You might want to choose a company that offers good coverage with little or no deductible or copayment for services. If you are having a hard time paying your medical bills, it would be better to pay them completely by the insurance company rather than having out-of-pocket expenses over and above what is covered by the insurance plan. 

3. Annual Deductible Amount 

If your health insurance plan has an annual deductible, you might want to choose someone who offers higher yearly deductibles instead of smaller annual deductibles with lower monthly premiums. This means that the yearly deductible will be higher, and the monthly premium will be lower. For example, if your yearly deductible is $500 and your monthly premium is $100, it would be better if your yearly deductible is higher than $500 and your monthly premium is lower. 

4. Coverage 

When choosing senior healthcare solutions in South Florida it is important to check on the coverage. If the company’s health insurance plan does not cover all of the services you need, it would be better not to go for it. For example, if your health insurance plan does not cover colonoscopy check-ups, it’s better not to choose it. 

 5. Cost 

 It would be best to consider the cost of the premiums for their health insurance plans. If a company charges a higher premium for cheaper coverage, it would be better to charge a lower premium for higher coverage. For example, if they charge $20 monthly premiums with $100 yearly deductibles and $100 copayments, their coverage only covers 80% of the services you need instead of 100%. Choosing a company that charges lower monthly premiums with higher yearly deductibles and copayments would be better. 

In conclusion, when you need senior healthcare solutions in South Florida, it’s important to compare the health insurance plans you’re considering to make the best decision. You can easily compare the senior insurance plans by reading through the company’s reviews and comparing them with other health insurance companies. Many websites provide comprehensive information about insurance plans that you can check.  


For an easier comparison, feel free to contact us at iWill Advisors for all your queries. 


End Of Article  

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Senior Insurance Help Coral Springs

How to Avoid These Common Medicare Mistakes

Medicare is the United States’ healthcare program for adults aged 65 and up and a few younger individuals who meet a specific criterion. Many major medical costs are covered by Medicare Part A, Part B, Part C, and Part D for registrars.

However, there are some challenges that families and caregivers may face regarding registration and Medicare Advantage coverage. If you or a loved one makes a mistake when enrolling in Medicare, you or they may be charged higher premiums or face other difficulties. Medicare is an overwhelming procedure, so it is necessary to find an insurance provider who provides you with the most suitable Medicare options. South Florida offers more than a hundred different Medicare advantage plans compared to other counties with fewer options. Therefore, an insurance provider will help take you through the procedure so you can avoid these common mistakes below:

Not Enrolling In Medicare At The Appropriate Time.

Time waits for no one, and this is especially true when you are aging and when it is time to register for Medicare, which is when you turn 65. The ideal time to enroll for Medicare is the IEP (Initial Enrollment Period), a 7-month period that starts three months before you turn 65 and lasts till three months after you turn 65.

If you don’t register within your IEP, you’ll have another opportunity to do so during Medicare’s annual general enrollment session, which runs from January 1 to March 31 each year. However, if you join at that time, your coverage will not start until July. You’ll also pay a higher monthly premium for Medicare Part B, which covers doctor’s appointments and other outpatient care because you joined late.

Missing The Special Enrollment Period

If you are 65 or older, you must enroll in Medicare when you quit working and lose your health care coverage or when your spouse’s insurance coverage expires. Medicare has established a particular enrollment period (SEP) to allow you to do so without incurring a late enrollment penalty. Once again, time is crucial. Many people are unaware that this SEP can only be used when you are insured by employment healthcare or 8 months after you have lost your job-based insurance.

Part B And Part D Late Enrollment Fines

Your monthly Part B premium could be 10% more for every 12 months you wait to enroll in Part B. If you have employer coverage or are still in your special enrollment period, the penalty will not apply.

Your monthly insurance premium may increase by 1% for every 12 months you wait to enroll in a Part D plan. Prescription drug expenditures are covered under Part D insurance. If you can prove to Medicare that you have medication coverage comparable to that offered by a Medicare Part D plan, you won’t be charged the Part D penalty.

Not Registering For Part B Thinking You Already Have COBRA Insurance

Unless you or your spouse already has coverage via a current job with 20 or more employees, Medicare is generally regarded as your primary insurance when you turn 65. Any other insurance you have is considered secondary. However, the insurance must be through current employment.

Unless you or your spouse already has coverage via a current job with 20 or more employees, Medicare is generally regarded as your primary insurance when you turn 65. Any other insurance you have is considered secondary. However, the insurance must be through current employment. After you turn 65, other employer-provided coverage, such as COBRA, retiree coverage, or severance compensation, isn’t considered primary coverage. If you don’t enroll in Medicare, you risk having coverage gaps and paying a lifetime penalty of 10% of the current Part B premium for each year you should’ve been enrolled in Part B but weren’t.

Thinking You Can’t Afford Medicare

You might think that your limited income may stop you from enrolling in Medicare, but there are specific programs that can help you with your health costs.

  • Medicare Savings Program (MSP)
  • State Pharmaceuticals Assistance Program (SPAPs)
  • Extra Help

Here at iWill Advisors, we provide you with many different choices, plans, and cost considerations while guiding you every step of the way.

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What Is the Best Age to Get Life Insurance?

The best time to get insured is when you are young. This is because there is a lot to lose and because, if you wait until your older years, it will cost you more. This insurance can protect your family from the financial burdens of your death. Knowing how much insurance you need is an important step in protecting your family. 

Why Is Younger Better? 

Getting insurance at a young age is important for many reasons. First off, it is cheaper, as insurance companies charge lower rates to people under 25. Secondly, your younger years are more likely to be full of life experiences that can lead to you getting sick. Suppose you have a family history of certain diseases, such as cancer or diabetes. In that case, it may be beneficial to get insurance when you are young so that, if something happens, your family will not have to deal with the financial burden of medical bills. The biggest advantage of getting insurance when you are young is that you have more years to build up your cash value. 

Benefits of Getting Life Insured at an Early Age 

This insurance is a way to protect your family from financial burdens if you should die. The amount of coverage you need depends on how much money your family can afford, but it is possible to get insurance covering most families. If you have a large family, getting more than one policy may be necessary. This way, if one of the policies fails and the beneficiary doesn’t get enough money to cover their expenses, they will still have the other policy to fall back on. 

The period for which you have the insurance coverage is also important. A term policy can be up to 10 years long. However, it will cost more than a permanent policy because it has a higher premium. Permanent policies are also known as fixed-term policies because they do not change in price over time as term policies do. 

This insurance is generally less expensive than other types of insurance. This is because you have to pay a premium for the coverage, but you do not have to pay for the insurance company’s other services. 

There is no set age at which it is the best time to get insurance. The best age to purchase insurance, though, is usually between 20 and 65. This period is known as the golden years. It is a time when people are more likely to need insurance coverage. This is because they have more money, are more likely to have families, and are likely to be married. They also tend to be healthier than those older, so they will live longer. If you have questions about insurance, iWill Advisors can help. 


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Find an Insurance Provider Coral Springs

Long Term Care vs. In-Home Care – What’s Better For Your Loved One

Living alone becomes challenging as you age. From illnesses and ailments to physical limitations that hinder your everyday lives – it becomes difficult to go by living your life normally without jeopardizing your health and safety. Hence, for more reasons than one, having support from family and loved ones becomes a must. 

However, naturally, your family or any responsible loved one carries their own set of responsibilities. Juggling between job and family, not everyone has the physical or mental space and capabilities to look after and support the elderly. So for such people, there are nursing homes and long-term care facilities. 

In fact, according to the US Department of Health and Human Services, the future of long-term care is quite significant. Estimated by the ongoing growth of the elderly population, by 2050, the number of elderly care services in any setting like long-term care, assisted facilities, and nursing homes will double from 15 million to 30 million. 

Hence, the situation begs us to differentiate between the two options that are there for reliable elderly care. Which one is better and can provide optimum support for the elderly? Let’s find out! 

Pros & Cons of In-Home Care 

First things first, let’s take a look at the pros and cons of in-home care for the elderly as people usually think of this as their first and only option to provide optimum elderly care for their loved ones. However, it is not always the best option for everyone. 

Benefits of In-Home Care 

  • Your elderly loved ones can easily maintain and exercise their independence. 
  • They are closer to the family and see their loved ones often. 
  • A familiar and comfortable environment is set for them to be taken care of. 
  • They have better control over their dignity and privacy in their homes. 
  • They have better access to activities they enjoy and want to participate in. 

Drawbacks of In-Home Care 

  • Not every family prioritizes their elderly. 
  • Living at home can be very lonely if everybody else is busy with other responsibilities of their lives. 
  • Your elderly loved ones may isolate themself and have fewer socialization prospects. 
  • It is difficult to take care of the elderly if they have a serious mental illness like dementia or schizophrenia. 

Pros & Cons of Long Term Care 

Now let’s take a look at the pros and cons of long-term care. This option usually doesn’t come up as a practical solution until the idea of in-home care fails. Although it has its own set of drawbacks, long-term care might still suffice as a better option for the best elderly care. 

Benefits of Long Term Care 

  • Someone will always be available to look after the elderly 24/7. 
  • Caregiving staff ensures all medications are taken on time. 
  • Long-term care facilities are equipped to deal with housekeeping needs, meals, and other personal care needs of the elderly. 
  • Many facilities offer physical activities, outings, and plenty of socialization prospects. 
  • Depending on your needs, you can choose a long-term care facility that specializes in elderly care of dementia and schizophrenic patients. 
  • Your elderly loved one’s comfort shall never be compromised in a reputable long-term care facility. 
  • Many long-term care facilities prioritize the need for outings and access to the outside world, so they have gardens within the property for the elderly to enjoy. 
  • long-term care facility can easily provide the optimum level of security and safety for your elderly loved one. 
  • There are experienced and well-trained caregivers who prioritize their patient’s wellbeing before anything else. 
  • Regular visits from doctors and other medical personnel ensure that your elderly loved one is in the best of health and in good shape. 

Drawbacks of Long Term Care 

  • The elderly might not feel as independent as they would at home. 
  • They will have to adapt to a new, unfamiliar environment of group living. 
  • Their privacy will be compromised. 
  • Long distances can lead to less frequent visits from family and loved ones. 

Bottom Line 

Now that you have weighed your options for reliable elderly care, we hope that you will find making an educated decision easier for your elderly loved one. Still unsure of the right thing to do?  

Let iWill Advisors help you out. At iWill Advisors, we offer an unbiased comparison of all your elderly insurance options. We specialize in educating Medicare beneficiaries on every available option to ensure you make the right choice for your needs. 

For more information, call us at (954) 753-8080 today! 

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Hands of senior person with young caregiver

Reasons to go for Long Term Care Help for Seniors

Seeing your parents become old and frail can be a troublesome phase for almost everyone. The very strong hands that had been fostering your growth are now growing weak and you have to look after them. 

The entire experience of seeing their parents aging is a troublesome one for almost every son or daughter. Not only are your senior loved ones unable to perform the wide range of activities that they did in the past, but they are also limited mentally. They aren’t able to look after themselves in a manner that you would associate with them, and surely cannot manage the daily responsibilities that they have. 

In such cases, most people consider sending their parents or senior loved ones to a live-in facility, but we don’t recommend that. Live-in facilities signal a sudden lifestyle change in the way your parents live and don’t allow them to exercise their movements in a manner that you would like. The drastic lifestyle changes can be quite a bit for them to handle, which is why you have to think of the future and take the required actions for success. 

We realize the long term care that senior citizens need and just how expensive they can get, which is why we go above and beyond with the services we offer. Here we mention just how useful our long term care help for seniors can prove to be for your loved one: 

Remain Within a Familiar Environment 

A majority of your senior loved ones might be suffering from mental ailments such as dementia, which is why they might not be able to adjust to a completely new environment now. Such a mental ailment can quite literally dampen their chances of easily starting to live inside a completely new live-in facility. 

Thus, keeping them inside the familiar walls and environment of your home is your safest bet going forward. If you want your parents to get the care they want, it is a must that you make sure that they are kept within the home. 

Constant Attention 

Seniors require constant attention towards them. To know how to treat seniors, you should consider just as you would consider a toddler or someone else. You need to understand just how much attention toddlers require and should give the right amount of it to your senior as well. 


Finally, one of the biggest benefits of 24 hour senior care is that your senior loved one would require the companionship they crave. They would tell their stories, get assistance in mobility and be able to act the way they want to at this age. 

Personal Hygiene 

Senior citizens are very particular regarding their own hygiene but don’t have the energy to manage their grooming in the manner they would want. As your residential care expert, all caregivers make sure that your senior loved one gets the grooming they require. 

From bathing to toileting, expert professionals maintain a stringent eye over literally everything. Bathing regularly cannot just cleanse the skin of your senior loved one but can also make sure that they remain fresh and active at all times. 

Mobility Assistance 

Some seniors have a hard time walking around, which is why mobility assistance services can help them walk around the house with a fair bit of ease. Some senior citizens love walking around, but their frail legs can’t support their weight anymore, and they suffer accidents. Such accidents can be highly restrictive at this age, which is why the services of a professional caretaker can come as a necessity. 

Feeding and Housekeeping 

Besides just providing your senior loved ones with the companionship they need, your local caregiver can also help with feeding and housekeeping. The housekeeping they provide is focused on light laundry, meal preparations, medication checks and cleanliness. Senior citizens are extremely particular when it comes to how clean the environment around them should be. If that place isn’t clean enough, they can get quite annoyed. 

So, we understand the key to providing long term care help for your senior and we deliver on it as long as we can. The fact is that it’s impossible to deal with all seniors using the same approach. The caregivers at iWill Advisors go out of their way to make sure that every senior in our care has their needs are met. 

Get in touch with us today if you have any questions about our services or how we can help you.

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Medicare South Florida

United American Insurance Carrier in South Florida Helps Seniors with Coverage Options   

There are many benefits to growing older. Studies show that the golden years really are golden! Senior are among the happiest group of people, especially when compared to their younger counterparts.  Some of the perks typically include financial security and health care benefits. If you are a senior looking for a United American Insurance carrier in South Florida, consider calling iWill Advisors.  

If you have questions about Medicare, let the experts at iWill Advisors Help. We are a United American insurance carrier in South Florida.  

Medicare is a federal health insurance program generally for people age 65 or older who receive Social Security retirement benefits. Enrolling in Medicare is not as simple as turning 65 and automatically getting government-sponsored coverage. As it turns out, Medicare coverage can get pretty complicated. There are four main parts to Medicare, and they include Part A, Part B, Part C, and Part D.   

Medicare Part A is also called inpatient or hospital insurance because it covers care in the hospital. Some of the costs for stays at skilled nursing facilities or home health care are also covered by Part A . Part A also covers hospice care for people who are terminally ill.  

Medicare Part B is also known as medical insurance, because it pays for doctors’ services, outpatient care, and some other medical services that Medicare Part A does not include, like some types of physical therapy and occupational therapy and some home health care.  

Part C is also called the Medicare Advantage plan. It is a Medicare health plan provided by private companies that contract with Medicare to offer you with all your Part A and Part B benefits. Many plans also offer Part D drug coverage. Premiums range by region and plan. Medicare Part D covers prescription drugs.   

United American offers insurance for individuals and groups. iWill Advisors helps those who need insurance. iWill Advisors represents all of the major national insurance companies, as well as being a United American Insurance Carrier in South Florida.  If you’re looking to acquire life insurance, group insurance, or medical insurance, the experts are waiting for you! Call 954 – 753 – 8080 to find the policy that best fits your needs.

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Insurance South Florida

Summer Safety Tips from a United American Insurance Carrier in South Florida

Summer is almost here. For many people, warmer temperatures mean more trips to the beach, pool parties, and traveling for summer vacations. While warmer weather can mean big fun, safety should be your priority, especially if you are older. Follow these tips from a United American Insurance Carrier in South Florida. 

We are a United American Insurance Carrier in South Florida that wants to help you stay safe 

 Follow these summer safety tips: 

  1. Stay properly hydrated. In South Florida, the summer heat can quickly cause dehydration when on the water or playing sports.
  2. Protect your skin from the sun. Make sure you and those around you wear sunscreen. If you are going to be outdoors for extended periods, remember to reapply it to avoid sunburns and sun poisoning.
  3. If you are on the water, always wear a life jacket. Do not substitute other flotation devices for life jackets.  

Care and concern for its customers are what has helped make United American Insurance is one of the most widely-used insurance companies in the United States. As a United American insurance carrier in South Florida, iWill Advisors can quote prices and compare to other Medicare supplement plans. 

Medicare enrollees face lots of choices. Choosing a Medicare plan can be complicated. We offer to help our clients understand Medicare and its multiple parts by explaining each section in complete detail so that you know what you’re actually purchasing. But the decision isn’t just financial; your health care needs often change as you age. As your needs change, you may want different coverage. 

If you have questions about enrolling in a Medicare plan, call iWill Advisors today at (954) 753 – 8080 and learn how we can make this process easier. We are a United American insurance carrier in South Florida that takes pride in exceeding your expectations. 


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Senior Healthcare Solutions Coral Springs

Where Can I Find a United American Insurance Carrier in South Florida?

It can be challenging to find an insurance agency you can trust, and make a purchase. At iWill Advisors, we work with some of the top companies in the health insurance world, especially in Medicare. As a United American Insurance Carrier in South Florida, our company can help you quote their prices, while also comparing to others in the Medicare field.

Why Choose a United American Insurance Carrier in South Florida?

United American insurance is one of the most widely used insurance companies. Their dedication to impeccable customer service has made them a top choice for many, especially for those looking for quality prices alongside quality coverage. American United Insurance built their brand from the idea that each person is unique, and therefore in need of different policies and coverage.

At iWill Advisors, we offer the best of the best insurance carriers across the country. We know that choosing insurance can be confusing, which is why we assist our clients in narrowing down their options. We know each client has a different budget, life plan, and preference, which is why United American Insurance is so popular for so many. Regardless of your life’s needs, the professionals at iWill Advisors can help you find a package that meets all of your desires.

Not only does iWill Advisors help to guide, but we’ll also educate our clients on their policies from the inside out. Insurance is never easy to understand, which is why we offer to break down Medicare into its multiple parts and explain each section in complete detail so that you know what you’re actually purchasing.

Throughout one’s lifetime, the need for insurance changes. As a United American Insurance carrier in South Florida, it’s easy to see why so many choose this company as they offer a wide variety of coverage to suit many different needs. If you’re interested in purchasing or revising a life insurance policy, call iWill Advisors today at (954) 753 – 8080 and see how we can make this process easier.

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Find an Insurance Provider Coral Springs

How to Choose Appropriate Medicare Options in South Florida

Reaching sixty-five is quite the milestone, for more reasons than one. Now, you’re officially eligible to receive Medicare! While many may think that Medicare is a more affordable option, making the wrong choice or decision could actually be a high price to pay. It’s wise to consistently re-evaluate your healthcare needs from year to year to ensure that you’re still choosing the Medicare options in South Florida that are right for you.

If you’re looking for Medicare options in South Florida, contact iWill Advisors!

If you’re currently carrying Medicare Part D, then you’ll especially want to reassess your options every year, as your personal needs for medications may change. Other aspects vary as well, such as copays, benefits, and premiums. For those who are new to Medicare, it’s important to know that this particular coverage is broken down into separate parts. Medicare is not just one all-encompassing health care coverage option. There are many smaller decisions to be made, which can get somewhat confusing.

The basics are as follows:

  • Part A covers inpatient hospital care, skilled nursing facility, hospice, lab tests, surgery and home health care.
  • Part B covers doctor visits, outpatient care, outpatient hospitals, durable medical equipment, and preventative care.
  • Part C is a private insurance option. Part C plans are offered through private insurance firms and approved by Medicare.
  • Part D covers prescription drugs.

As you can see, there are many different choices for Medicare health care coverage. When choosing a plan, the experts at iWill Advisors know how stressful and confusing this can be, which is why we help to guide seniors towards the path that best suits their current needs. Our expertise is especially helpful for those choosing Medicare insurance for the first time. If you’re searching through Medicare options in South Florida, please call today at (954) 753 – 8080. Picking the wrong choice could be an expensive mistake. Instead, allow the professionals to narrow down your search results, tailored to your needs.

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