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RJ Clarity


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July 18, 2019

It can be difficult to know where to begin when planning for the future, especially if your finances are already tight. When thinking about how to get your estate in order, how to create a college fund for your children, or working out a retirement plan, it’s easy to g...

August 8, 2018

It's finally here! The  time has come to retire from your job of 30 years.  It is time to take that fishing trip you have been postponing for the last 10 years, time to go on a 3 month hiatus, time to travel the world.  You are on a mission and nothing, absolutely noth...

February 16, 2018

I have reflected on this question time and time again...why use an insurance

agent/broker?  Anyone can take a look at health insurance plans available to themselves or others and see what it is that a broker sees.  Also, with the advancement of technology, we have infor...

January 1, 2018

Part A premium    

Most people don't pay a monthly premium for Part A (sometimes called "premium-free Part A"). If you buy Part A, you'll pay up to $422 each month. If you paid Medicare taxes for less than 30 quarters, the standard Part A premium is $422. If you pa...

December 1, 2017

Medicare Open Enrollment ends next week on December 7. If you’ve been thinking about changing your Medicare coverage, now is the time to act. You may already know you have choices in how you get Medicare Part A - hospital, Part B - medical, and Part D - prescription dr...

November 1, 2017

It is important not to be caught off guard in regards to deductibles and co-pays associated with Original Medicare.  Below are a few things that Original Medicare does not cover.

Hearing aids

Medicare covers ear-related medical conditions, but original Medicare and...

October 1, 2017

 The first day you can apply for a Medicare Advantage plan is October 15th. Your new plan will become effective January 1st, 2018.  This open enrollment period (OEP) allows you to switch your plan each year if you don’t like the changes to your existing coverage or you...

September 1, 2017

Who knows you best? Your spouse? Son or daughter? Best friend? If your primary care doctor doesn’t make the list, you could be missing out on one of the most important relationships when it comes to your health and well-being.

Your primary care doctor may be more than j...

August 1, 2017

If you’re in a Medicare Advantage Plan (Part C) or other Medicare health plan, in addition to the rights and protections for all people with Medicare, you have the right to:

1. Choose health care providers within the plan, so you can get the health care you need.

2. Get...

Original Medicare (Parts A & B) covers many medical and hospital services.  But it doesn't cover everything.

Many people are surprised to learn that prescription drugs aren’t covered. You can buy drug coverage through Medicare Part D, but it’s not provided by Part A or...

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January 1, 2018

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