Save $ with the right “Pharm” Team

By Marc Manor

Please forgive me, but as a lifelong sports fan, I always try to squeeze in a sports analogy or pun when I can. If you have seen the movie “Money Ball” and/or you are a baseball fan, you know the importance of a good “Farm” Team System. Major League Baseball teams find young talent and sign them to Minor League Farm Teams to develop them as opposed to signing high priced free agents to help their team win. This is good business for professional baseball and the same holds true for Medicare beneficiaries. In this blog I will explain how Medicare beneficiaries can save money by using the right “pharm” (pharmacy) system to put together a winning team in the medicine cabinet!

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Beneficiaries using Medicare Part D benefits have a vast landscape of plans they can choose from. Many Medicare Advantage Plans have Part D Prescription Drug coverage included. So how does one go about choosing the right plan? There are a number of factors, not least of which has to do with what pharmacy they use.

Medicare Prescription Drug Plans frequently contract with certain pharmacies for discounted prices for their prescription drugs. This can make a big difference with how much a beneficiary pays for their drugs on a recurring basis. Usually there are three categories to consider:

Juvenile Life Insurance: The Gift That Keeps Giving!

By Marc Manor

Very few people I talk to insure their children and it can be an uncomfortable subject to bring up. The very thought of losing a child is almost unthinkable. We all know children have lives that can end tragically, but fortunately they rarely do. Because the death of a child is so rare, it makes for the perfect opportunity to insure them. No child I know can pay the premiums, but if their parents or grandparents, take the initiative, they can open a door to financial security for a lifetime.

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Now I'm sure little Johnny or Janet would rather see a toy or a puppy under the tree at Christmas. But a life insurance policy stuffed in the stocking can bring an immeasurable amount of happiness throughout their lives. And it is so inexpensive, they can probably still enjoy those toys under the tree from Santa! So, let me tell you why I think Juvenile life insurance is the perfect gift!