Heritage First Blog

We help individuals and families work toward achieving their ideal retirements.

Low Supply Increases Demand

December 15, 2021

Across the board, we’re seeing the capitalist principles of supply and demand both drive and curb U.S. economic activity. As more people have emerged from their hermit-like existence throughout the past year and a half, consumer spending is shifting from goods to services. For example, the services industry (e.g., restaurants, travel, hospitality) is on the…

What Are Medicare Advantage Special Needs Plans?

September 15, 2021

Medicare Advantage Special Needs Plans are varieties of Medicare Advantage Plans that are intended for Medicare beneficiaries with special; needs. Original Medicare consists of Parts A (hospital services) and B (physician services.) It is “one size fits all” with no variations for special needs or circumstances. Medicare Advantage plans have more flexibility. They are funded…

Medicare Advantage PFFS Plans

September 15, 2021

A Medicare Private Fee-For-Service (PFFS) plan is a Medicare Advantage plan, an alternative to Original Medicare (Parts A and B). These plans are individual insurance policies sold by private insurance companies. Who Treats Me in a PFFS Plan? Depending on how the plan is organized, you may be able to see any doctor, and use…

How Medicare Agents Are Paid

September 15, 2021

Medicare consists of Original Medicare (Parts A and B), Part C (Medicare Advantage Plans), Part D (prescription drug plans), and Medicare Supplement plans. All of these plans, other than Original Medicare, are represented by Medicare agents who sell insurance policies under these plans. You may also notice that agents will offer their services to you…

What in the world is the WEP & GPO, and how can it affect your retirement income plan?

July 20, 2021

By Ryan Hurr Financial Advisor – Heritage First Anyone who has heard these two acronyms/initialisms are likely the ones impacted by them. And if not, you will be or have a relationship with someone who is/will be. While the majority of people are not impacted by these provisions, if you are, then you should know…

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