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| HSAs, HRAs & FSAs |
| Monday, March 24, 2008 |
Seminar on HSAs, HRAs & FSAs is coming soon - May 16, 2008 in Albany, New York. This seminar is to show you how HSAs, HRAs & FSAs can reduce your cost and increase your benefits.
The speakers are William J. Mather Sr., CLU (HMS Agency, Inc.), J. Martin Brayboy (Rose and Kiernan, Inc.), Jonathan M. Cerrito (Blitman & King LLP), Jeffrey S. Dashew, CLU, ChFC, LUTCF (Support Services Alliance, Inc.) and David W. Melby (Rose and Keirnan, Inc.)
The seminar will be held at the Best Western Albany Airport Inn (200 Wolf Road, Albany, NY 12205 - (518) 458-1000) at 8:00am - 4:30pm.
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| Albany River Rats Hockey Team |
| HMS Agency, Inc. sponsors the Albany River Rats. We are proud to be a corporate sponsor of the Albany River Rats for the 2007-2008 season. Go Rats!..... |
| Photo 1 |
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| Medicare Information |
Medicare is a Health Insurance Plan for people age 65 or older, or under 65 with certain disabilities and at any age with End Stage Renal Disease.
There are two ways to get your Medicare Health Care Coverage:
I. Original Medicare Plan.
A. Part A is the Hospital coverage. There is no premium associated with this coverage.
B. Part B is the coverage for Physicians Services. This coverage is optional but if selected the premium for Part B in 2007 is $93.50 is individual income is less than $80,000 or joint income is less than $160,000. For incomes over this the premium increases. Premiums are deducted from Social Security payments.
C. Part D is the Prescription Drug Coverage. This is provided through private insurance companies and premium for this coverage will vary depending on the coverage and company you select.
D. Medigap Insurance plans can be purchased through private insurance companies. This coverage fills in the gaps that are associated with the original Medicare coverage. The premiums associated with this coverage will vary by policy and company selected.
II. Medicare Advantage Plans – HMOs & PPOs
A. Medicare Advantage Plans are Part C under Medicare and the coverage is provided by private insurance companies. This coverage combines Part A (Hospital) and Part B (Medical) under one plan. The companies offering the coverage must be pre-approved by Medicare. The premiums may be lower than original Medicare plan and the benefits may be better.
B. Part D (Prescription Drug Coverage) will be offered through the Medicare Advantage Plans. The premiums will depend on the plan and company selected.
For further information on what plans may be available please call our office.
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HMS Agency Offers Health Savings Accounts
– Click
here to find out more.
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