Louisville Insurance Blog

Changing Your Medicare Plan

Changing Your Medicare Advantage Plan

What is a Medicare Advantage Plan

A Medicare Advantage Plan (usually a HMO or PPO) is an additional choice you have as a Medicare health plan. Medicare Advantage (MA) Plans or Medicare Part C Plans are offered by private companies approved by Medicare.

A typical Medicare Advantage Plan will provide the same coverage as Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. Most plans also include Medicare prescription drug coverage or Medicare

Medicare Annual Enrollment Period

Medicare Annual Enrollment Period

When is the Annual Enrollment Period?

Mark your calendars for October 15 to December 7. This is the new Annual Enrollment Period which starts and ends earlier than in previous years. This enrollment period only occurs once a year, so it is important to be prepared beforehand so you can take advantage of the opportunity to make positive changes in your coverage.  New coverage changes will begin on January 1st.

What is the Medicare Annual Enrollment Period?

The Medicare Annual Enrollment Period, or AEP, is the time for those who are already enrolled

What To Do After An Auto Accident

What To Do After A Car Accident

In the aftermath of a car accident, coping with any injuries, talking to the police, and thinking about car repairs, life can quickly seem pretty complicated. Combine all this with the scare of the crash itself and many of become incapable of making clear decisions. That’s why it’s a good idea to know beforehand how to deal with an auto accident.

Immediately after the accident there are certain things that you need to take of.

1. Check for any injuries

The first thing is to determine the extent of any injuries to yourself

Kentucky No Fault Insurance

Kentucky No Fault Auto Insurance

When most people hear “no-fault,” they think it relates to responsibility for an auto accident, which is not exactly true. So what does “no-fault” coverage mean? “No-fault” coverage is also referred to as Personal Injury Protection (PIP), which better describes the coverage. In basic PIP coverage, your insurance company pays you for medical expenses, lost wages and similar “out-of-pocket” costs due to an injury occurring in an automobile accident, regardless of who is at fault for the accident. It also means that you cannot recover these and other damages from

Kentucky Auto Insurance Minimums

Kentucky Auto Insurance Minimums

State Minimum Coverage

Most states require auto insurance and have laws that outline the minimum level of coverage you must buy. Each state has its own laws and sets its own minimum liability amounts. In states that don’t require insurance, you must prove that you have enough assets in case you are at fault in an accident. If you don’t have enough assets to cover your liabilities, you are required to buy car insurance.

However, the minimum limits your state requires may not necessarily be adequate. A car accident can cost far