All posts by Ted Strothers

Finance

Get Medicare Supplements From A Fort Lauderdale FL Insurance Broker

A Fort Lauderdale FL insurance broker can help get Medigap coverage for those with Medicare parts A and B.

This coverage is designed to fill the gap between what Medicare covers and what you can afford. You pay a monthly premium, and in return the insurer covers those costs not included in Medicare. These include co-payments, deductibles and health care costs if you are traveling outside the U. S.

It does not cover long term care, dental, vision, or hearing aids. Prescription drugs are also not covered – for that you need a Medicare Prescription Drug Plan. Standard plans are labeled A through N and provide different levels of coverage. As this is confusing, you might want to contact a FL insurance broker who can help you navigate the plans.

It is best to speak with a representative who is local, as specific benefits and premiums tend to vary by state, though coverage does not. A person’s health and individual circumstances will impact the necessity of supplemental packages. One who travels often will require something different than one who stays close to home.

Medigap open enrollment is either six months from the first of the month one turns sixty-five, or from the date they sign up for Medicare part A or B. During this period, the premium for any policy is the same a person with good health would pay. Beyond this time frame, coverage may be unavailable, or the rates could be significantly higher.

All Medigap policies are guaranteed renewable, regardless of your health changes, as long as you continue to pay your premiums on time. However, they are all individual – you and your spouse will have to get separate insurance. A good broker can help you determine exactly which Medigap insurance you should get – any insurer licensed to sell these plans can provide one, but they may not all offer the same deal, and the plan you choose may effect which insurer is best to get it from.

Policies can be switched to meet any changes in one’s health and personal circumstances, as long as one is not without coverage in excess of 63 days.

Medigap insurance is important for all seniors. If you are enjoying your retirement in Fort Lauderdale, then you need to make sure you are covered for all of your health costs. You should also consider long term care insurance, which can protect your children from having to pay hefty nursing home bills for an extended period should the worst happen.

A good insurance broker will make sure you get all of the coverage you need at a price you can afford. If you have just signed up for Medicare Part A and B, then you have a limited amount of time to find the right supplemental insurance to protect you from everything life may throw at you. Contact a local insurance broker today and find out which plan is the right one for you.

Fort Lauderdale, FL insurance broker provides comprehensive tips and advice to all locals. To find out more, simply visit this recommended website at http://www.alexandergreep.com.

Finance

Vacation Rentals Clearwater Beach Overview

Florida is a fantastic vacation spot, no matter if you are single, part of a couple, or a large family. There are lots of places to stay during your vacation, but not every spot is for everyone. For example, hotels are great if you want a lot of amenities, but they can be expensive, especially if your trip is for several days or weeks. Instead, you should consider vacation rentals Clearwater Beach for extended stays.

For a longer stay at the beach for a smaller party, an apartment or condo could be just what the doctor ordered. They can range from a cozy studio or roomy one bedroom for one person or a couple, all the way to a three bedroom condo that can sleep several people. They often have great amenities like swimming pools and on-site laundry.

If you like privacy, then an apartment or condo might not be your speed. In this case, you could rent a house or villa. These can range from a smaller two bedroom home that sleeps up to six comfortably, to a huge five or six bedroom place that can sleep a small troupe.

A house or villa may not have a huge amount of amenities, but some will have a pool, and almost all of them will give you privacy and plenty of parking. You could also have a patio and private backyard, something you could not get at a hotel.

The rates for these rentals will vary a lot, depending on the size of the place and the season. During Spring Break, prices are much higher because of the huge demand for places near the beach. During holidays like Memorial Day, the Fourth of July, and Labor Day, the prices can also go up.

If you wish to vacation near the beach, hotels can be very expensive for each night. Instead, rent a house or condo and have all the comforts of home. You will save lots of money that can be spent on souvenirs and making memories, rather than on a hotel room you may not spend much time in anyways.

Get an overview of the benefits of booking vacation rentals Clearwater Beach area and more information about a reliable rental agent at http://www.primevacationrentals.com/ now.