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Proposed Cuts Bad for Seniors !

One of the most common problems we try and work around is the cost of prescription drugs.

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As most of you know, the prescription drugs are broken down to 5 different tier levels. Tier’s 1 & 2 are your generics. Tier’s 3 & 4 are your name brand drugs and Tier 5 is your specialty medicines. There are 3600+ medicines covered by United Healthcare in what is known as a formulary. It’s from this formulary we can look at your medicine and determine what Tier level and therefore determine your co-pay. All medicines come with in a family of drugs. For example, high blood pressure (more…)

Why Consider Long Term Care Insurance?

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Jeff Wetzel, president Bridlewood Insurance Services

When considering Long Term Care Insurance, let’s consider the odds. The odds of your house burning down 1 in 1200. The odds of an auto accident 1 in 240. Chance of a Long-Term Care Event 1 in 2. Given the option, would anyone risk not owning auto or homeowner’s insurance? And who would consider living for any length of time without health insurance? (more…)