FHK Insurance Blog

The 2019 Annual Enrollment Period is Almost Over

Published by . Filed under Uncategorized. Total of no comments in the discussion.

The Enrollment Period is almost over!

Medicare Timelines you should know for 2019… and time is flying by!

There are only 29 days left to update your Medicare coverage before the Annual Enrollment Period is over on Friday December 7, 2018.

For Individual and Family plans, there are 37 days till the ACA Marketplace Open Enrollment Period ends on Saturday December 15, 2018.

Don’t miss your chance to explore all the options available to you and upgrade your health insurance for 2019! To find out about your health insurance options and some educational meetings we are having, fill out our contact form, like us on Facebook and follow our blog for more important Medicare updates.

New Coverage Options for 2019: Short-Term Plans are Back

Published by . Filed under Affordable Care Act, Open Enrollment, Taxes & Tax Credits. Total of no comments in the discussion.

An important insurance change for those under 65: short-term insurance plans are back!

Federal lawmakers ruled to allow people to buy short-term, limited-duration health coverage that lasts up to 12 months and can be renewed for an additional, maximum of 36 months.

Previously, the Affordable Care Act limited these plans to a maximum of three months of coverage, renewable for another three months depending on the insurance carrier. This decision comes after lawmakers saw expansion of these plans as a way to make healthcare coverage more affordable for people who have been priced out of the individual market.

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2018 Baby Boomer Deals in Milwaukee

Published by . Filed under Lifestyle. Total of no comments in the discussion.

With age comes some great perks: senior discounts. Across the state there are some great deals for Baby Boomers +. Specifically, savings when it comes to food and entertainment. Why stay at home when you can go out, have a great time and save! Here are some of the discounts available in Milwaukee:

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Why Long-Term Care (LTC) Makes Sense With Life Insurance

Published by . Filed under Medicaid. Total of no comments in the discussion.

When people begin to think about aging, retirement and preservation of assets, two important insurance products that are integral to the planning process are life insurance and long-term care (LTC) insurance.

We understand the discussions surrounding preservation of assets and retirement planning can be difficult, involving many moving parts from emotions to finances.  Life insurance can provide a loved one with financial security in the event of an untimely death, but most people don’t realize that preserving assets can also be achieved by using a specific life insurance design: life insurance with living benefits for long-term care.

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8 Foods Everyone Over 50 Needs to Eat

Published by . Filed under Lifestyle. Total of no comments in the discussion.

Courtesy: ADW Diabetes

Eating healthy is important at all stages of life, but it is even more crucial once you are over 50. By making sure you are getting key nutrients in your diet you can help prevent serious illness and disease. Here are eight foods that everyone over the age of 50 should eat to improve their health.

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Medicare Change: Therapy Cap Limits and What it Means to You

Published by . Filed under Medicare, Medicare Advantage. Total of no comments in the discussion.


The hard cap on outpatient physical, speech and occupational therapy under Medicare Part B is no more. Congress ended the two-decade long battle of making exceptions for therapy cap limits when the new federal budget passed in early February of this year.

Currently, Medicare beneficiaries will no longer have to worry about receiving medically necessary services that go over the previously set cap limit.

Our profession has faced many challenges over the years, and there will be more ahead,” said Amy Lamb, President of the American Occupational Therapy Association, in a press release.

“For today, we must celebrate the end of a senseless policy that threatened the health and well-being of Medicare beneficiaries and our profession for 20 years.”

Medicare beneficiaries who needed outpatient therapy services were subject to a hard cap of $2,010 in 2018. That hard cap will now be replaced by a targeted medical review when services reach $3,000.

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Medicare Cards are Changing in 2018: 5 Fast Facts You Need to Know 

Published by . Filed under Affordable Care Act, Medicare, Medicare Advantage. Total of no comments in the discussion.

The Centers for Medicare & Medicaid Services (CMS) are removing Social Security Numbers from Medicare cards to help prevent fraud, fight identity theft and protect taxpayers with Medicare.

Medicare cards will now have a new Medicare Number, called a Medicare Beneficiary Identifier (MBI), that is a unique number to you and it will replace the Social Security-based Health Insurance Claim Number (HICN). New cards will start being mailed as early as April in states across the country, but here are five fast facts you need to know now about what to expect with this important Medicare change.

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Managing Changes In Your Retiree Employer Medicare Plan

Published by . Filed under Affordable Care Act, Drugs & Prescriptions, Medicare, Medicare Advantage, Retirement. Total of no comments in the discussion.

Wisconsin health insurance plans can save you money on prescription drugsRetirement comes with its own set of questions and things to look out for, especially with health insurance coverage for individuals who are eligible for Medicare. Retiree insurance coverage offered by a former employer or a retiring spouse’s employer is not a mandatory benefit, and the sponsoring employer may change premiums and benefits or cancel the plan entirely based on their internal needs. If you have group insurance from a retiree plan along with Medicare coverage, Medicare provides primary coverage and your employer-sponsored insurance is secondary. You are, however, responsible for the premiums on your retiree group plans and your Medicare coverage. The cost and coverage varies from company to employee, depending on which package is offered.

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2017 Medicare Parts A & B Premiums and Deductibles Announced

Published by . Filed under Drugs & Prescriptions, Medicare, Medicare Advantage, Open Enrollment, Retirement. Total of no comments in the discussion.

piggy bank and stethoscopeDate: 2016-11-10
Title: 2017 Medicare Parts A & B Premiums and Deductibles Announced

2017 Medicare Parts A & B Premiums and Deductibles Announced
Today, the Centers for Medicare & Medicaid Services (CMS) announced the 2017 premiums for the Medicare inpatient hospital (Part A) and physician and outpatient hospital services (Part B) programs.

Medicare Part B Premiums/Deductibles
Medicare Part B covers physician services, outpatient hospital services, certain home health services, durable medical equipment, and other items. Read More…