Margolis & Associates

This Life Insurance Awareness Month, we’re tackling some FAQs, starting with the common concern about coverage amounts. Looking for guidance based on your individual situation? We can run the numbers to determine exactly how much you need — give us a call anytime! 212 684-0711.

Wishing all of you a joyful Labor Day weekend! We hope it’s filled with relaxation and happiness in the company of friends and family ?? Our office will be closed on Monday, September 2, in celebration of the holiday. We’ll be back to assist you on Tuesday, September 3!

Mark your calendars – Medicare's open enrollment period kicks off Tuesday, October 15th! ?? This is your exclusive window from October 15 to December 7 to review and make changes to your Medicare health and prescription drug plans for 2025. Don't miss out on tailoring your coverage to better suit your needs! Have questions? Need guidance? Feel free to reach out. We’re here to help you make the most of your Medicare benefits.

August is National Wellness Month! ?? It's the perfect time to reflect on our health practices and find simple ways to boost well-being for ourselves and our loved ones. Here are five ways to prioritize your health this month: 1?? Breathe Clean Air: Improve the air quality in your spaces to support your lungs and overall health. Consider investing in air filters or purifiers with a Clean Air Delivery Rate (CADR) of 400 to 450. 2?? Manage Stress: Connect with mindfulness, yoga, or any relaxation exercise that suits you. Just a few minutes daily can help reduce stress and inflammation. 3?? Stay on Top of Health Screenings: Don’t put off your routine screenings. Take time to check what you’ve missed and schedule those important appointments. 4?? Prioritize Sleep: Make your sleeping environment a sanctuary. Minimize light exposure, especially from electronics, to improve your sleep quality. 5?? Move with Friends: Join friends for a walk or a group fitness class. Socializing while exercising can boost both your health and mood. Aim for 8,000 to 10,000 steps a day for the best benefits. Remember, small and consistent actions can lead to significant improvements in your health and wellness. Have a fantastic National Wellness Month! As always, we’re here if you need any advice or have questions.

Feeling overwhelmed with Medicare details as you near retirement? You are not alone! Our team is frequently asked about the right time to sign up for Medicare and how to do it! Here’s what you need to know: Your Medicare enrollment window is a generous seven months, starting three months before your 65th birthday month and ending three months after. Pro tip: Enroll early in this period to ensure your coverage starts just when you need it. ?? Questions? Let's chat! Medicare doesn't have to be a maze. If you're pondering over medical costs or the ins and outs of signing up as you approach 65, our team is here to help. Give us a call for personalized guidance and peace of mind on your Medicare journey.

Planning an international getaway? Generally, Medicare does not cover health care services when you're traveling abroad, with a few exceptions: ?? Emergency services onboard a ship within the territorial waters of the U.S. when the ship is within six hours of a U.S. port. The doctor must also be legally allowed to provide medical services on a cruise ship. ?? Medically necessary services in a foreign country under specific circumstances, such as if a medical emergency occurs in the U.S. but the foreign hospital is closer, or during travel through Canada without unreasonable delay between Alaska and another U.S. state. Should these exceptions apply, you're still responsible for the usual deductibles, copayments, and coinsurance as if you were in the U.S. However, in most cases, you'll be responsible for 100% of the costs. Traveling should be about making memories, not worrying about coverage. Whether you're exploring new horizons or visiting loved ones, our team is here to help ensure you're prepared for any health care needs abroad. Feel free to reach out anytime with questions about your Medicare coverage while traveling????

Choosing a healthcare provider is a big decision, and it's important to have all the information you need at your fingertips. Whether you're looking for a new doctor, a specialized healthcare facility, or just exploring options, Medicare has streamlined the process for you. Swipe through for a detailed overview of how it works. If you have any questions or need a helping hand with the tool, don't hesitate to reach out. Our team is here to help.

We’re halfway through 2024, and it's time for a check-in. Are there goals you're chasing or projects you're passionate about? Share in the comments, and reach out if we can be of help. Let's make the second half of the year even more impactful!

Picture this: dinner's done, you're exhausted from work, and you're ready to dive into your TV binge. But wait... your little one is battling an earache, tears brimming in their eyes. You need medical care, and you need it now. Good news! The days of rushing to the ER for every ailment are behind us (and our wallets will thank us for this, as ER visits are among the most expensive!). Thanks to technology and our demand for convenience, you've got options. Keep swiping for more information. And remember, urgent care and telemedicine are not just convenient; they're smart ways to access health care when you need it. Before a need arises, check if these options are covered by your plan. ?? Your Friday night — and your peace of mind — might just depend on it!

This July 4, we are wishing each of you a day filled with celebration of this important holiday and reflection on the many freedoms we enjoy as Americans. Please note: our office will be closed in observance of the holiday, but we'll be back on July 5th, eager to assist with any questions or concerns you may have. Happy Independence Day to you and yours!