Branded Drugs and Copays for Advantage Plans of Medicare

In 2012, co-payments for branded drugs will increase, according to a recent Avalere Health study. In spite of the cheering news that next year average premiums for Medicare Advantage will be lowered by 4 percent, there is still cause for concern for beneficiaries of Medicare. The best idea would be to find a professional who specializes in these products and see which plan would be best for your own circumstances. Medicare supplements are also called Medi Gap or Medsups. They cover the “gaps” in coverage that Original Medicare cannot cover. They also come in different levels of A – L, which of course provide different amounts of supplemental coverage. The price also varies.

With a PFFS plan, you can consult any doctor or hospital that accepts Medicare as long as they accept it. They can accept a plan on a case by case basis. Advantage plans are mandatory to cover what Medicare covers, but sometimes they cover things at different rates. Not all Medicare-accepting doctors or hospitals will accept an Advantage Plan, so you should check before signing up to receive something. If you go to a hospital or doctor that will reject your plan, you will be liable for the whole fees. Medicare is not going to pay nothing.

With a steady rise in obesity, which is shown to be a precursor to many of these health problems, the value of cancer and critical illness policies will become more evident with each passing year. In addition, people who may choose not to purchase any form of basic or extended complementary health coverage may still be receptive to a cancer or critical illness policy. What does health reform mean to us? OPPORTUNITY! It then looks brilliant, especially for Medicare’s supplement life, workplace, and sales. But we need more talented agents in the coming months to deal with the growing workload. As a result of the imminent changes in commissions in major medical markets and Medicare Advantage, you will have access to a broader and more well-versed group of agents. Reap the benefits of it. Keep recruiting. Keep training. Make the most of the incredible potential that surrounds you when it comes to people and products!

Co-payment refers to a given figure that you may be required to pay for a health insurance policy for a given medical supply or service. For example, your health insurance policy may require $ 35 for a branded drug or a copayment of $25 for an office visit, after which the insurance firm will pays the remainder of the fees. Co-payment for preferred branded medicines will increase by up to 40%, while non-preferred branded medicines will increase by 30% on average.

National Average Premium and Medicare Part D insurance

If a person waits two years to submit an application, he will pay a fine of 24% of the national average premium per month thereafter, provided that the individual remains enrolled in Part D. Unless the beneficiary has any proof of other guarantees with medications, such as employer group health insurance, to show why they chose not to enroll in Medicare part D plans, they get caught paying this fine for the rest of their lives. Because of the complicated forms of many Medicare Part D plans, it is important that Medicare Part D participants inform their doctor about the plan they signed up for. That way, the individual’s doctor can work within the limitations of the form to ensure that the recipient receives the best and most appropriate therapy covered by their plan.

Medicare Part D beneficiaries must understand how your plan formulary works and must also keep up with all modifications to your plan formulary. If they do not keep up, they may discover they are in a situation where they cannot get their medications the next time they enter the pharmacy. With the information above, a beneficiary of Medicare will be more equipped to select the policy that is appropriate for their situation. These government plans are confusing even for qualified professionals, so consulting with a Part D specialist is valuable. No matter which insurance company you choose, you want the Part D plan to best suit your specific needs. The lower-cost plans will reduce your overall costs and provide adequate coverage when the total retail expenses of prescriptions are less than $2,250 per year, as long as they cover the specific prescriptions you take.

Calculate the costs of your local pharmacy as if you did not have complementary insurance. When the total annual retail price goes beyond $2,250, the basic insurance you have will end and you will officially be in the “Donut Hole”. Insurance companies assists millions of beneficiaries of Medicare achieve high quality rewards for their various Medicare insurance: Advantage plans, Medicare supplements, and Part D. Medicare has found some ways to fix the screw hole, but not all beneficiaries know it. Until their use reaches the limits of the Part D program and coverage is suspended, they will not seek remedy. If you are registering for new schemes in Part D, ask the representative what Thread Hole coverage is in Part D and also check the latest discounts and considerations offered. First, there is a late enrollment penalty. For each month in which a person is eligible but not enrolled, a fine of 1% of the national average drug plan premium applies.

Medicare Prescription drug plans (Part D)

Prescription drug plans are available to all people who qualify for Medicare, regardless of their medical history or income levels. When a person first qualifies for Medicare, the initial period of enrollment starts 3 months prior to their 65th birthday, includes the birth month and terminates 3 months after the month of birth. Otherwise, the annual open enrollment period for prescription drug plans runs from November 15 through December 31, with coverage beginning January 1.

We live in a society where the buyer must take care. Call your parents tonight! Make sure they know the problems related to Medicare Advantage plans. Such a call may be the only thing that prevents them from making, or worse, being pushed to make a decision that is not right for them. You don’t even want to think about the alternative! Recently, the Centers for Medicare and Medicaid Services published information about the available Medicare Advantage plans in 2010. What’s great is that older people on average, can select from over 30 policies in 2010. You can even choose from more than seventy different Medicare Advantage policies, depending on where you reside.

Although the total number of plans has decreased with fewer offers of private service rates (PFFS), health maintenance organizations (HMOs) will be the most common type. Insurance companies, such as HealthNet, that are withdrawing from the PFFS market still offer Medicare Advantage health plans and other plans of various types. Other private Medicare health insurance providers, such as Kaiser Permanente, announced that there will be no changes in the offer of plans in 2010. The lower fees save money against Part B of Original Medicare and a supplementary policy; also there is a limit should you need more medical care than anticipated. In addition, Medicare benefit plans often offer additional benefits, such as vision or dental services. Original Medicare has none.

An attempt to compute likely difference in cost is on its own, an attempt. However, the general principles are helpful guides on what should be considered. If it is obvious that much medical care is required, planning for original Medicare needs to be bought. When little medical care is anticipated, you will need a Humana Medicare Advantage plan with fewer monthly benefits; But maybe some additional benefits. These plans are private plans that provide benefits to Medicare beneficiaries, including prescription drug coverage, that need additional help to pay for their medical benefits. This includes people who qualify for Medicare and Medicaid, those who reside in long-term care facilities and those with chronic or disabling medical conditions.


What are the four types of Medicare?

Medicare Supplement plans 2020In general, different parts of Medicare can help you meet certain services. Most beneficiaries choose to receive the benefits of Part A and B through Original Medicare, a traditional service fee program offered directly by the federal government and also called traditional Medicare or Fee-for-Service (FFS) Medicare. According to the original Medicare, the government pays directly for the medical services received.

In the Original Medicare Plan:

  • You can go directly to your doctor or hospital when care is needed. No prior approval/permission from Medicare or your doctor is required.
  • Responsible for the monthly premium of Part B, and some may also pay for the Part A premium.
  • You are usually must pay coinsurance for each service you receive.
  • There is an amount of limitation that a doctor or hospital may require for your treatment.

If you want to cover your prescription medicines plan with Original Medicare, you will probably need to join an independent Medicare Private Drug Plan (PDP).

Unless you choose another method from you will have the Original Medicare. Instead of the Original Medicare, you can benefit from Medicare’s Medicare Advantage Plan, also called Part C or Medicare Private Health Plan. Please keep that in mind that if you sign up for the Medicare Advantage Plan, you will continue to use Medicare. It means that you will still have to pay a monthly Part B premium (and Part A premium, if applicable). Each Medicare Advantage Plan should provide all Part A and B services covered by the original Medicare. Still, they may differ due to expenses, restrictions, applicable rules that can or may affects how and when they take care of you.

It is important to understand Medicare coverage options and carefully select the one coverage you will be needing. How you choose benefits and who benefits from you depends on how much you will pay and where you can receive care from. For example, with Original Medicare, you can go to almost every doctor and hospital in the country available. On the other hand, Medicare Advantage plans often have network limitations. It means that doctors and hospital choices will be limited in this case. However, the Medicare Advantage Plan has additional benefits that are not necessarily covered by Original Medicare, such as routine vision and dental care.

Medicare Part A

Medicare Part A intended for the following services:

  • Inpatient hospital treatment: This is the care that a doctor performs after official hospitalization performed formally. In a typical hospital, in addition to a maximum of 90 days, each benefit has 60-day lifetime reserve days. Medicare also offers up to 190 lifetime days of service at Medicare-certified psychiatric hospitals.
  • Skilled Nursing Facility (SNF) Care: Medicare includes the rooms, meals, and a various number of services provided by SNF, including medication administration, tube feeding, and wound care management. If eligible for coverage, you can qualify for up to 100 days per benefit period. To qualify, you must spend at least three consecutive days as an inpatient within 30 days of admission to SNF and require skilled nursing or treatment services.
  • Home Treatment Care: If you are doing home health care and need qualified care, Medicare covers the service at your home. You are entitled to everyday care up to 100 days or extensive intermediate treatment. To qualify for Part A, you must be in the hospital for at least three consecutive days within 14 days of receiving home care. (Note: If you do not fulfil all the requirements of Part A coverage, you can get home care from Medicare Part B).
  • Nursing Home Care: This is the type of care that health care professionals allow you to receive if they detect end-stage disease. As long as the provider confirms that they need to be careful, covered by the insurance. Keep in mind that Medicare typically does not cover the full cost of care and responsibly bears a portion of the cost-sharing (deductibles, coinsurances, copayments) for services covered by Medicare.

Medicare Part B

Medicare Part B offers outpatient/health insurance. The following list provides an overview of Part B’s target services and rules of coverage.

  • Supplier services: Medically necessary services from a qualified medical professional.
  • Durable Medical Equipment (DME): It is useful equipment for medical purposes, and can withstand repeated use and is suitable for home use. Examples include pedestrians, wheelchairs and oxygen depots. You can purchase or rent DME from a Medicare-certified supplier after your provider has obtained the required certificate of you needing them.
  • Medical Services at Home: These services are covered when you are qualified for home care and in need of a professional nursing provider, or therapeutic care is required.
  • Ambulance Service: This is usually an emergency means of transport to and from the hospital. Non-ambulance / ambulance transport is limited to situations where safe alternatives are not available and where traffic is medically necessary for the patient.
  • Prevention Services: These are multiple screening sessions and counselling seminars to prevent diseases, determine conditions and protect your health, above everything else. In most cases, preventive care provided and covered by Medicare without coinsurance.
  • Therapy Services: These are outpatient physiotherapy, speech therapy and occupational therapy services provided by Medicare-certified therapists.
  • Mental health services.
  • X-ray and laboratory test.
  • Chiropractic care: When you are medically in need of the fixation of the subluxation of the spine during spinal manipulation. (when one or more bones of the spine are dislocated)
  • Choose Prescription Medications, including immunosuppressive drugs, some anti-cancer drugs, some antiemetics. Some dialysis drugs, and another type of drugs that are frequently used by doctors.

This list includes services and items that are usually covered, but not a complete list.

Medicare Part C

Medicare Supplement plans 2020Part C, also known as the Medicare Service, is an alternative to traditional Medicare coverage. The coverage usually includes all parts A and B, prescription drug plans (Part D), and other benefits. Part C is managed by a private insurance company that receives Medicare payments from the federal government. Depending on the plan, you may or may not need to pay an additional premium for Part C. You do not need to sign up for an Advantage plan – if you are away from your home country, there are restrictions such as not including health care plan. However, for many people, these plans are a better deal than paying separately to the central regions Part A, B, and D. If you are satisfied with the range of HMO, you may be finding this Part similar.

Medicare Part D

Medicare Part D, which benefits from prescription medicines, is a part of Medicare, which covers most outpatient prescription medicines. Part D offered as a stand-alone plan for those registered with Original Medicare through private companies or as a set of benefits included in the Medicare Advantage plan.

If you do not have reliable drug coverage and will have a particular registration period, you should sign up with Part D when you first purchase Medicare. Delayed registration may create gaps in coverage and registration penalties. Each Part D plan has a list of closed medicines called prescription (formulary). If the drug is not prescribed or available in the formulary, you will need to request an exception, pay through your pocket or request an appeal. A category of drugs is a group of drugs that treat the same symptoms or have similar effects on the body. All plans in Part D should include at least two medications in most categories and include all drugs available in the following class, as mentioned below:

  • HIV / AIDS treatment
  • Anti-depressants
  • Antipsychotic medications
  • Anticonvulsant therapy for epileptic (seizure) disorders
  • Immunosuppressive drugs
  • Anticancer agents (if not covered in Part B)

Part D Plans must include vaccines other than those vaccines that are already covered by Part B. Some medications excluded from Medicare under laws such as weight loss or weight gain, or medicines such as over-the-counter medications (drugs).

Get more coverage with Medicare Supplement Plans

Get more coverage with Medicare Supplement Plans

When you are eligible for Medicare for the first time, you do not need to sign up, the cost is lower, and your acceptance is guaranteed. The longer you wait, the more you risk not being able to pay for a plan or qualify for one. Although it is more expensive than a Medicare Advantage policy, the health insurance protection given by the Medicare supplement is much greater if you sign up for the Medicare F supplement plan.  Find premiums for Medicare supplement plans. The Medicare F Supplement Plan is the most popular Medicare Supplement Plan in most areas of the country. Most insurance companies that make plans and complementary agents emphasize Plan F. However, is it always the best option for you?

How does the plan compare to lower level plans like ‘D’ and ‘G’? Plan F is usually the most expensive of Medicare supplement plans (except Plan J). With lower-level plans, you can sometimes save up to $20-30/month, which may seem small when viewed monthly, but can result in very significant savings over the course of a year. Plan F is one of only three Medigap standardized plans that provides full coverage of Part B over-costs. Part B over-costs occur when a doctor or doctor DOES NOT accept Medicare “attribution” (or amount paid by Medicare for certain services and procedures).

It is easy to compare Medicare supplemental plans between insurance companies because the plans are standardized. The benefits of Plan F will be the same regardless of which company you take a look at. Once you find the lowest premiums for these two plans, you must do the calculations. These are mainly numbers, because the probability of requiring outpatient services (Part B) is quite high. Most years, you will probably need services and will have to pay the full deductible.

The difference between annual awards is key. If the annual Plan F premium is $ 147 or more than Plan G, you should choose Plan G. If you are younger, choose Plan F. The exception is if you have a crystal ball and know that you never need outpatient services for the year. You should also choose a Medicare prescription drug plan (average cost about $ 40-70/month and continue paying your Medicare Part B premium). The cost of the plan will increase over time. If you can pay for a supplemental policy, you should enroll right away, preferably when you first qualify for Medicare and you do not possess any other authentic medical insurance.



Medicare Supplement Insurance is an insurance that supports the original Medicare (A and B). It is quite helpful to pay out some medical expenses not covered by Original Medicare insurance.  There is no difference between Medigap and Medicare Supplement Insurance. These are just two different terms for the same insurance type. Visit to get rates for supplement plans.

The Medicare Supplement Insurance Policy (also known as the Medigap Plan) can help you pay for certain medical expenses and services not covered by the Original Medicare, like copayments, coinsurance, deductibles. Medicare pays part of the final medical expenses approved by Medicare. Your Medicare Supplemental Insurance Policy will then pay the amount.

The Medicare Supplement Insurance Policy gives you the freedom to choose a doctor or hospital that accepts Medicare without network restrictions. Besides, lifetime coverage is guaranteed.


To be able to compare one Medicare Supplemental policy to another Medicare supplemental policy, Indiana allows the sale of 12 conventional plan schemes. All the plans are distributed from letter A to J. To be more precise, Plan A is known as a primary benefit plan, and Plan J is considered to be the most comprehensive plan.

All these ten plans are standardized, so it doesn’t matter which company sells to you; the benefits will stay similar. Plan D will provide the same advantage from another company’s plan D. The Mutual of Omaha Medicare supplement plan g is standardized so you can buy for the company at the best price and customer service.

Medicare Supplemental Policies typically pay most, if not all. Medicare copayments and the policy will pay Medicare deductibles cost. Also, some of the ten standard programs plan to pay for services not covered by Medicare, such as a prescription. The benefits of each standard plan are the same, but the premiums can vary greatly. But before purchasing other policies, please determine how your company calculates premiums.

An insurance company can calculate its premium plan in one of three ways:

  • Issued age: If you are 65 years old when you purchase the policy, the same premium must be paid to the company of the people who are of 65 taking regardless of your age.
  • Attainted age: The premium is based on the current generation and increases with the passing of years.
  • No Age limit: Everyone pays the same premium regardless of age; they are.


Having completed Supplement Insurance with Mutual of Omaha Medicare supplement plan g, private health insurance is an essential source of financial support for Medicare beneficiaries. It has estimated the individual insurance plans will pay about 20% of the costs faced by Medicare beneficiaries covered in such programs in 1980. Medicare Supplementary Insurance has become an essential product in the health insurance industry. Non-institutional health insurance beneficiaries estimated approximately $3.2 billion in health insurance subsidies, which accounted for 6.3% of all private health insurance premiums in 1977.

As the population ages, Mutual of Omaha Medicare supplement plan g grows more important in one form or another. Therefore, it becomes increasingly important to understand who owns and does not have these additional policies and the factors that affect the purchases. This article will bring the impact of selected individual and community characteristics on the likelihood of getting Supplemental Insurance with Medicare.

Medicare supplement insurance fills the gap between Medicare and medical care

Medicare supplement insurance fills the gap between Medicare and medical care

Last November, 2,151 people attended The Harris Poll, launched in February this year. According to the results, more than a third (34%) of people in the United States did not save to cover their retirement income. This survey found that fewer people had retirement savings than a similar survey conducted 18 months earlier. A year and a half ago, 30% reported that they had not saved anything in their retirement years. Between the ages of 46 to 64, popularly known as Baby Boomers, a quarter had no retirement savings. The respondents over 64 years did a little better, since only 22% reported that they had no savings for their retirement years.

Medicare supplemental insurance may extend the decrease in retirement savings

Nine out of ten older adults hope to stay on Medicare advantage plans for a long time, but maintaining their independence will depend largely on maintaining their health. This may require more medical services, hospitalization coverage, more prescriptions and possibly temporary care at a qualified nursing facility to close the gap between hospital care and the resumption of normal home activities. Most people, not just the elderly, underestimate how much US medical care costs now. Currently, medical debts that force older people to sell their homes are common and the rising price of our health care system is forcing older people to fail in recent years.

Medicare Advantage and Medigap Insurance plans extend Medicare

When Medicare became law in 1965, it was never intended to cover all health care costs. You must protect the elderly against catastrophic or significant expenses to avoid bankruptcy. Coverage of all medical and hospital bills requires a way to supplement Medicare coverage.

Basically, there are now three forms of insurance available to expand Medicare coverage. Older people can choose a Medicare Advantage plan as an alternative to Original Medicare Part A and B if one is available where they live. Medicare Advantage plans have really low premiums and offer all the benefits of Medicare Parts A and B, but Advantage plans are not universally available.Medicare Advantage plans also usually restrict health care coverage to a specific network of doctors and hospitals. If a specialist whose services are not covered is required, this can make treatment difficult. Most Advantage plans also require a referral to see a specialist, which can delay access to a specialist. The second way to expand Medicare coverage is with Medicare supplement insurance. Commonly known as Medigap insurance, Medigap plans offer ten different combinations of benefits that are repeated where Medicare stops.

5 Facts About Medicare

5 Facts About Medicare

Medicare is a federally funded insurance program that was established in 1964. The following groups of people may be eligible for benefits:

• People who are at least 65 years old.

• People under 65 who have specific disabilities.

• People of all ages who have permanent renal failure that require dialysis.

People who still work at age 65 must enroll in Medicare Part A to receive benefits for expenses not covered by private insurance. A variety of private plans, called Medigap, that were designed to cover temporary gaps in benefits or supplement uncovered benefits are available to meet specific needs.

Medicare is divided into four categories and pays some of the costs for each of the following needs:

• Part A: hospital care for hospitalized patients, hospice, skilled nursing facilities, home health care.

• Part B: outpatient hospital care, doctor’s office visits, home health care; some expenses not covered by Part A

• Part C: certain types of preventive care; also called Medicare Advantage plans

• Part D: prescription drugs from companies approved by Medicare; help with recipes; possibly lower the prices of prescription drugs; also called Medicare prescription drug coverage.

Although the Medicare advantage plans system cannot be easily summarized in a brief description, there are some basic facts that make the research a bit more fluid:

1. Medicare and Medicaid are two completely different programs. Unlike Medicare, Medicaid is managed by the state and helps pay for the specific needs of people with low incomes. However, some people meet the requirements for both programs.

2. Medicare preventive services are designed to prevent illness or worsening. These services may include information, assessments, vaccinations and tests that help maintain healthy lifestyles. Patients who have had Part B for 12 months qualify for an annual “wellness” visit.

3. Medicare-approved private insurance companies provide coverage for Medicare C and D. These plans may involve additional costs.

4. Physicians must submit claims for patients covered by Original Medicare. Doctors are not required to file claims for patients who have Medicare Advantage because medical providers receive small monthly payments from these insurance companies.

5. Medicare generally does not pay for custodial care provided by nursing homes. However, patients who qualify for Medicaid may be eligible for these services. Negotiating benefits and annual health insurance changes can take a long time and be confusing. For detailed information and answers to specific questions, visit or call 1-800-Medicare.

Know about different types of Medical Health insurance Plans:

Know about different types of Medical Health insurance Plans:

Traditional Medical Health insurance Plans are separated into several types, each of which offers various benefits. Leaving aside Wisconsin, Minnesota, and Massachusetts, which have n management for Medical Health insurance Plans, there are 10 types of Medical Health insurance Plans are offered in the many parts of the country. Each of them is identified with plans like this:

Type A:

In Type A, it includes coinsurance cost. With Part A of Medicare plan and 1 year of hospital expense. It also covers Part B coinsurance expenses. The first 3 bags of blood in cases of transfusions, coinsurance or the copayment of the residence of terminal elderly patients listed in Part A.

Type B:

To what is covered in Type A, add the deductible expenses of Medicare Part A.

Type C:

It also includes the deductible expenses of Medicare Part B & the coinsurance expenses of a skilled nursing facility.

Type D:

In this case, the coverage of 80% of the exchange costs for trips abroad is added.

Type F:

This modality offers, also to all of the above, to pay an excess of charges in Medicare Part B.

Type G:

Type G is same like F but is not responsible for deductible expenses in Medicare Part B.

Type K:

In this case, insurance only completely covers the coinsurance cost in Part A of Medicare and 1 year of the hospital also to Medicare coverage.

Type K also covers the Part B cost, the first 3 bags of blood in cases of coinsurance, copayment, or transfusions of the terminal senior’s residence listed in Part A.

Type L Medicare:

Same as K, but rather than covering only 50% of the indicated services cost, it raises the payment to 75%. Instead, the out-of-pocket spending cap remains at $ 2,620.

Type M:

This policy involves coverage that excludes excess charges and deductibles charges for Part B. Also, it only pays 50% of the Part A deductibles and also 80% of exchanges on trips abroad.

Type N:

This type is last type Health insurance Plans. It is like Plan M, but in the concept of Part B co-payment or coinsurance, it establishes franchises: it doesn’t pay costs below $ 20 and nor below $ 50 in emergency visits. It does not include hospitalizations. For the 3 states have their regulations to determine the types of policy, you should study that, in general, what the different programs include is same to the 10 general types.

Should you change your Medicare Advantage plan during the annual enrollment period?

Should you change your Medicare Advantage plan during the annual enrollment period? Should you change your Medicare Advantage plan? Medicare beneficiaries have access to a wide range of medical and medication insurance options. These plans vary widely from company to company and from place to place. For people who are already enrolled in a Medicare Advantage plan, the question is: should you look for a new plan for 2013? If you are thinking of changing plans, here are some vital considerations to make:

Will every of your doctor be in the network of the new policy? Some individuals do not mind changing their doctors if it will help them save money. Some other people are afraid of changing doctors. Do not forget this when considering moving to a brand new policy. How will current medications be covered by the plan you want to consider? If you only take generic prescriptions, you should have no problems, but branded medications may be covered differently from one plan to another. Under different plans, copayments for the same branded drug can be dramatically different. This can add hundreds of dollars each year.

What do local health professionals think about plans in your area? In fact, the right person to ask this question is the receptionist at your doctor’s office. They are always in the know what policies doctors prefer. A very common complaint is the difficulty of obtaining approval of evidence and procedures. Doctors and their staff are frustrated with some plans due to difficulties and delays in obtaining “prior authorizations”. Getting “inside” information can be valuable in making decisions. There are many things to keep in mind when evaluating Medicare Advantage plans during this year’s annual registration period so visit Remember, this year’s annual enrollment period runs from October 15 to December 7.

(There are certain exceptions when changing policies not within of the yearly Medicare registration time. If you modify, you may modify policies or for some reason your plan will be canceled. There are also some Medicare Advantage and Medicare Part D plans at any time of the year. If you have a Medicare supplement plan, you can change at any time of the year.) You can compare the plans available in your area and even sign up for a new plan if you wish by visiting or calling 1-800-MEDICARE. Alternatively, most individuals appreciate assistance when evaluating their options. For California residents, professional assistance is available as local agent Michael Kortz will be glad to explain the options you have and provide the information you are looking for.