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“OnlyHealthInsurance believes that Medicare Supplement insurance is, in part, the best approach for creating a comprehensive healthcare package.”
Phil Dougherty, President, OHI
Travel Insurance for Upcoming Trips Abroad
I’m back from my service trip to rural Mexico with Rotary! It was a productive trip and thankfully uneventful from a medical emergency and evacuation perspective. But if something had come up, my GeoBlue Trekker insurance policy would've covered it. And that's why we...
IRMAA: What It Is & How To Reduce It Or Remove
Hi friends and clients! I hope your summer is going well. I wanted to share some information about a subject that has come up a number of times in the last few weeks. I thought you might find it useful. The Income Related Monthly Adjustment Amount known as IRMAA was...
Vaccines Covered by Medicare
Medicare Part B and Part D cover most vaccines and immunizations. It’s important to understand which part of Medicare covers which vaccines. Vaccines covered by Medicare Part B Part B covers specific vaccinations including the seasonal flu shot, pneumonia, and...
How They Relate: Original Medicare and Providers
One of the most common questions we get regarding Medicare Supplements (MediGap) is what providers can be accessed for care. Many assume that a Medicare Supplement from Blue Shield or Anthem Blue Cross requires using their respective doctor networks. In fact, Medicare...
Inflation Reduction Act Brings Changes to Part D
The Inflation Reduction Act is bringing a series of revisions to the Medicare Part D Prescription Drug Program that will be phased in over the next six years. The immediate modifications beginning January 1, 2023, include: Insulin copays will be limited to $35/month...
Medicare vs. Medicare Advantage
Most of you reading this have Medicare as your primary insurance with a Medicare Supplement to fill in gaps. We have been advocates for this type of arrangement for nearly 30 years for its high level of insurance and the extensive provider access it provides. As we...
Travel with Peace of Mind
Let the adventures begin! Travel is back to pre-pandemic levels according to several travel related sources. While you make your international travel arrangements, don’t forget to include travel medical insurance in your planning. Alert! Original Medicare (Part A +...
Ready To Travel?
Are you ready to travel?! The eagerness to do so is certainly undeniable. Google Trends which provides broad insight into consumer behavior shows the interest in international travel trending skyward. Personally, I had a family trip to Europe fizzle in 2020 and I'm...
The Annual Election Period for the 2021 Plan Year is approaching!
Dear Friends, The Annual Election Period begins October 15 and runs through December 7, 2020 and is when you are allowed to change your Medicare Part D Prescription Drug Plan for the 2021 plan year or, if eligible, enroll in a plan for the first time. We have enjoyed...
Medicare’s New Part D Senior Savings Model
The Centers for Medicare and Medicaid Services (CMS) has released a new demonstration program that will begin on January 1, 2021. It is designed to provide Medicare enrollee's affordable access to insulin by capping the cost of a 30-day supply to a maximum of $35. For...
Testimonials
“Wow! Talk about fast and easy! Made an appointment with Phil through his website; he called me at the exact time of our appointment, was friendly, knowledgeable, and professional. He explained the coverage to me and from start to the finish of receiving an email with my policy info…. 20 minutes!!! I may just travel abroad more often now! Thanks Phil!
“I’d like to give Phil more than 5 stars for his incredible customer service and knowledge. Because he was on the ball and watching out for me (unasked), he saved me from going into a health plan that was not right for me. He called me out of the blue to confirm that the changes I made to my healthcare plan were what I wanted. I had misunderstood the differences (no thanks to Blue Shield rep) and Phil saved the day. Thank goodness he is my broker. He should be yours too.
“I was searching for weeks for affordable health care and Phil Dougherty and his team got me covered right away! My family was considered high risk and he took care of us from beginning to end. He was always available by phone to talk and did all the paperwork for us. He was a godsend during the many changes happening in healthcare! I highly recommend Phil for helping you find the best health care for you and your family. “