Resources

Medicare and Individual Insurance: What You Need to Know Now

During these unprecedented times, the challenge of managing the ever-increasing cost of health insurance has become more difficult as additional factors contribute to the number and frequency of claim occurrence due to an: Aging workforce population Increase in events that trigger COBRA eligibility Employers may not be able to eliminate…

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What Employers Need to Know About Medicare

Many employees are postponing retirement and working beyond the traditional retirement age of 65. While this segment of the workforce provides important experience, there are some challenges for both the employer and the employees. Employees may not fully understand what Medicare offers and stay on the group health plan at…

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The Age 65+ Workforce: What’s the Best Health Insurance Solution for the Employees and Employers?

For employers, workers age 65 and over add a needed dimension of experience and knowledge to the workforce. And, as of February 2019, 20% of these 55 million people were working or looking for work. Individuals working beyond age 65 is a growing trend. (Business Insider) Medicare Eligible Employees Have…

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Planning for Retirement? What Your Employees Need to Know About Health Care

Planning for retirement can be an exciting time, but it can also bring some apprehension. In this edition we will provide some information about healthcare for your employees to consider when thinking about retirement. Though it should always be somewhere on the radar, if you’re within 10 years of retiring,…

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Getting Started with Medicare

When getting ready to enroll in Medicare there are many questions people will have. Luckily, there are advisors and resources available to help with the answers. When looking at enrollment, there are a few issues to think about: When do I become eligible to enroll in Medicare? What if I…

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ICHRA: The Newest Option in Employee-Sponsored Health Insurance

Check out the Crain’s Cleveland article written by Frank Spinelli, VP, Director of Affinity Groups and Emerging Markets. In the feature, Frank explains how Individual Coverage Health Reimbursement Arrangement (ICHRA) is redefining employer-sponsored health insurance and how InsureOne and Oswald have taken the lead for its clients. Contact Frank: fspinelli@oswaldcompanies.com (216) 367-8756

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What You Need to Know About Aging and Depression

Depression can happen to anyone, no matter their age, gender or any other distinction you can think of.   It’s one of the most common disorders, affecting many Americans at some point during their lifetime. The number of people with undiagnosed depression is most likely far higher. While aging isn’t…

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What You Need to Know About Social Security Age Increases

If you’re turning 65 in 2019, there are some important decisions that’ll have to be made concerning your healthcare options.   2017 brought some important changes to Social Security. With the adjustments being based on your year of birth, there isn’t anything you can do to change your status. Current…

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Turning 65 Soon? Transitioning From Marketplace to Medicare

Editor’s note: This post was originally published on 11/4/16 and has been updated for accuracy and comprehension.   If your healthcare coverage is currently supplied by the marketplace, when you turn 65, you need to know the options available to you. Even if your 65th birthday is a ways away,…

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Medicare Annual Enrollment Period Do’s and Don’ts: Don’t Enroll Without Them! [Infographic]

New to Medicare?   Even if you aren’t, you may find that some aspects of this coverage are just confusing. For example, the Medicare Annual Enrollment Period is in full swing. What’s that all about? Don’t worry – it’s natural to have some questions. This list of Do’s and Don’ts…

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A Guide to the Medicare Annual Enrollment Period [Infographic]

Enrolling in Medicare can be difficult to figure out if you’re a newbie.   But even if you’ve already been enrolled for a few years, you can change your coverage during the Medicare Annual Enrollment Period each year. Here’s a guide to navigating Medicare enrollment, whether it’s your first time…

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Medicare Annual Enrollment Period: The Path to Choosing the Best Plan [Infographic]

It’s important for you to stay healthy as you age.   Finding the best Medicare plan for your needs is a key component to avoiding illness and managing your health. The Medicare Annual Enrollment Period is here. It’s time to review your coverage and make any necessary changes – or…

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How to Get a High-Quality Medicare Plan

The Medicare Annual Enrollment Period is the prime time to sign up for a Medicare plan.   But it’s also your opportunity to make changes to your existing plan. If you want to go beyond the standard benefits included in Medicare Parts A and B (Original Medicare), then a Medicare…

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Annual Election Period: Guide of Medicare Terms Newbies Need to Know

If you’re new to Medicare or have already enrolled in a Medicare plan in the past, the terminology can be confusing to understand. Whether you need to compare plans, learn the difference in plans or enroll, it’s important to learn the lingo. Here’s what you need to know to successfully…

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Planning Ahead for Long-Term Care Costs

Long-term support and services include any kind of assistance that helps a person who cannot help themselves due to cognitive, physical, or chronic health conditions. These services include instrumental activities of daily living such as eating, bathing, and getting dress. Long-term care may also include stays in assisted living facilities…

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5 Common Worries Seniors Face and How You Can Fight Back

A lot of things come with growing older.   You’ve accumulated years of wisdom and you’re able to take the time to relax in retirement, enjoying the fruits of your years of labor. The flip side of the aging coin is some anxiety. It’s inevitable that you’ll have concerns. Let’s…

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The Truth About Special Nutrition Needs for Seniors

No matter your age, it’s important to stay on top of your body’s nutritional needs. Those requirements shift as you get older. Let’s take a look at some of the changes that occur, as well as special nutrition needs for seniors. Speak with One of Our Advisors Your changing needs…

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What You Can Do About Aging and Anxiety

Anxiety doesn’t discriminate.   It doesn’t just strike one particular age group. At one time, anxiety was thought to be declining in older adults, but it turns out that the opposite is true. The disparity came as a result of seniors being more likely to talk about their physical ailments…

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