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Expert Medicare Assistance – Your Trusted Advisors at DW Insurance & Financial Services
Personalized Medicare Guidance from Trusted Advisors
Medicare Specialists Guiding Seniors through Medicare Plans
Welcome to Your Local Medicare Experts
Welcome to Your Local Medicare Experts
At DW Insurance & Financial Services, we specialize in offering comprehensive Medicare assistance to ensure you find the right Medicare plans tailored to your healthcare needs. Navigating Medicare can feel overwhelming, but with our trained team of Medicare advisors, you’re never alone in this process. Our agents are certified, experienced, and committed to helping you understand every aspect of Medicare coverage options, whether you’re just getting started with Medicare enrollment or seeking support during the annual Medicare open enrollment period.
Our mission is to make Medicare simple, stress-free, and easy to understand. We offer personalized consultations to help you choose between Medicare Part A, Medicare Part B, Medicare Part C (Medicare Advantage), and Medicare Part D (Prescription Drug Plans). Every individual’s healthcare needs and financial circumstances are different, and we work closely with you to ensure that your Medicare insurance options provide the best coverage for your specific needs.
Why Choose Us for Your Medicare Needs?
At DW Insurance & Financial Services, we provide you with local, personalized Medicare support right here in your community. With so many different Medicare plans and choices available, making an informed decision is critical. Our team of Medicare specialists is available to answer all of your Medicare questions, helping you compare and contrast options and ensure you have a thorough understanding of your Medicare benefits.
We understand that navigating Medicare alone can be confusing, especially when it comes to important coverage decisions like Medicare Advantage Plans, Medicare Supplements, or choosing the right Medicare Prescription Drug Plans. That’s why our agents are here to guide you, ensuring you receive Medicare assistance that simplifies the entire process from Medicare enrollment to ongoing Medicare support.
With decades of experience in healthcare and insurance, we focus on giving you access to trusted Medicare trained agents who will break down the complexity of Medicare. We keep you informed about any changes to your plan, the annual election periods, and how you can maximize your Medicare benefits. Our approach is built on trust, expertise, and personalized care.
Get Help With Medicare Today
Medicare is not a one-size-fits-all program. There are different plans for different healthcare needs, and the key to making the right choice is having the right information. Our Medicare specialists will assist you in comparing all the available Medicare insurance options. We offer in-depth consultations on:
- Medicare Part A (Hospital Insurance), covering inpatient hospital stays, skilled nursing care, hospice care, and some home health care.
- Medicare Part B (Medical Insurance), covering certain doctors’ services, outpatient care, medical supplies, and preventive services.
- Medicare Part C (Medicare Advantage), an all-in-one alternative to Original Medicare that offers additional benefits like vision, dental, and hearing services.
- Medicare Part D (Prescription Drug Plans), helping cover the cost of prescription medications.
We encourage you to reach out if you have any Medicare questions, whether you’re looking for general Medicare guidance or need specific answers about Medicare enrollment periods, Medicare Advantage Plans, or Medicare Supplements. Our team will ensure that you feel confident about your healthcare coverage, no matter where you are in your Medicare journey.
If you are nearing 65, currently enrolled, or thinking about switching Medicare plans, now is the time to contact DW Insurance & Financial Services. Our Medicare trained agents are ready to help you navigate all aspects of Medicare and find a plan that meets your needs. We pride ourselves on delivering expert Medicare support to seniors and individuals across the community.
Medicare FAQs
1. What is the difference between Medicare Part A and Part B?
- Medicare Part A covers hospital stays, skilled nursing facilities, hospice care, and some home health care.
- Medicare Part B covers outpatient services, doctor visits, preventive care, and medical supplies.
2. When is the Medicare open enrollment period?
- The Medicare open enrollment period runs from October 15 to December 7 each year. During this time, you can change your Medicare plan, switch from Original Medicare to Medicare Advantage, or modify your prescription drug coverage.
3. How do I choose between Medicare Advantage and Medicare Supplements?
- Medicare Advantage (Part C) combines Part A, B, and sometimes D in one plan, often with additional benefits like vision and dental.
- Medicare Supplements (Medigap) help cover out-of-pocket costs from Original Medicare, but don’t include extra benefits like Advantage plans. Your choice depends on your healthcare needs, provider preferences, and budget.
Medicare Plan Comparison Table
| Plan Type | Coverage | Key Features |
|---|---|---|
| Medicare Part A | Hospital stays, skilled nursing, hospice care | Covers inpatient care, limited home care |
| Medicare Part B | Doctor visits, outpatient care, preventive services | Covers medical equipment, outpatient services |
| Medicare Part C | Alternative to Original Medicare | Combines Part A, B, and usually D |
| Medicare Part D | Prescription drugs | Covers most prescription medications |
DW Insurance & Financial Services Inc. is not connected with or endorsed by the U.S. government or the federal Medicare program.
Lijuan Song
19:13 25 Mar 21
First time doing business with Danny. He is experienced and professional. Answered my questions patiently. He provided a satisfactory quote and reminded me of details of the policy. Would do business again with him and his office.
Qi Wang
22:44 26 Feb 21
Danny is really a good professional. He not only got the best rate for my insurance, but also explained all the details to clarify all of my questions and concerns. I highly recommend him and I will refer him to my friends.
David Wang
00:46 09 Feb 21
It was a real pleasure to do business with Danny. He is great with details - always has a structure when talking with clients. With Danny, I feel I have a map in the maze of insurance choices.
jessica ren
16:11 08 Feb 21
Appreciate Danny Liu's professional advice on helping me find the best price of my auto insurance after comparing different prices of auto insurance companies. Also appreciate his patience and kindness in answering my questions and addressing my concerns.
Yu-En Hsu
02:02 12 Jan 21
Our Auto Policy was dued to renew with surprising high premium. We got referenced from friends to contact Danny. Danny is very professional and helped us find the same coverage with lower cost. We enjoy the whole experience. Fast! Professional! A+++++
Tian Wang
00:19 30 Dec 20
Danny Liu is very professional and patient. It was our pleasure working with him. He helped us find the best rate of dwelling and auto insurances. We would highly recommend Danny to our friends.
Chingyi
23:23 22 Dec 20
I feel totally satisfied with the service I got from Danny Liu. He helped me find the best rate and always responded immediately when I need help for any insurance related issues. I highly recommend Mr. Danny Liu if any one needs help for finding good insurance.
Vincent T
01:08 02 Aug 20
Danny is very good in his own field. He provides good customer service, very responsive and professional. He gives very good competitive rate for my need, not adding excessing coverage for my property. He explains to me some coverage in details very patiently. I would recommend him to my partners for future insurance needs.
Tianyi Zhang
02:20 12 May 20
I got great experience with DW Insurance and our consultant Danny. He always helps us to find the best price and best service. We now have our house, and all of our cars' insurance with them, because we cannot say no to the high cost-performance-ratio. Their customer service is the BEST! Every time when we have any kind of questions, Danny is always there. He is awesome! Last year our house got hail damage, Danny helped us a lot with claiming, so that we received a check to cover our damage just in several days, which is really impressive. All in all, highly recommend them. At least you should ask them for a quote, then you may be surprised that you were paying too much on your previous insurance, and wasn't getting the best coverage.
Helen Lou
22:44 05 Mar 20
Danny is a very responsible agent. He always explains the insurance terms and conditions clearly to fit our needs and tailors different packages for rental property and own residential properties. I am happy to be working with Danny for years.
Doreen Huang
21:37 05 Dec 19
Danny has been patient to explain all details and my questions, and he also found the best price and right insurance company.
Amber Chen
16:38 06 Nov 19
I had nice experience working with my agent Danny Liu and he provided me with the smart home discount which is better than any others.
Ping Feng
16:34 26 Oct 19
Danny Liu is very professional and patient. It was our pleasure working with him. He helped us find the best rate and explained every house insurance coverage in detail. The best insurance agent we have ever worked with. We would highly recommend Danny to our friends.
Sarah Sills
16:23 09 Oct 19
We had a very positive experience working with Danny! He is very knowledgeable and quick to reply. He streamlined everything and made us feel very comfortable when selecting our auto and home insurance. We will definitely use his services again.
Robby
02:19 18 Sep 19
Danny has been great to work with. Worked with him in the past when he worked at a different firm, but continues to deliver. Very easy to work with and finds me great savings.
Li Li
19:18 24 Jul 18
We had very pleasant experience with Danny. He is smart and efficient. I talked with him on Monday and I got everything done on Tuesday. Highly recommend.
如何报屋顶理赔和注意的事项
Lijuan Song
19:13 25 Mar 21
First time doing business with Danny. He is experienced and professional. Answered my questions patiently. He provided a satisfactory quote and reminded me of details of the policy. Would do business again with him and his office.
Qi Wang
22:44 26 Feb 21
Danny is really a good professional. He not only got the best rate for my insurance, but also explained all the details to clarify all of my questions and concerns. I highly recommend him and I will refer him to my friends.
David Wang
00:46 09 Feb 21
It was a real pleasure to do business with Danny. He is great with details - always has a structure when talking with clients. With Danny, I feel I have a map in the maze of insurance choices.
jessica ren
16:11 08 Feb 21
Appreciate Danny Liu's professional advice on helping me find the best price of my auto insurance after comparing different prices of auto insurance companies. Also appreciate his patience and kindness in answering my questions and addressing my concerns.
Yu-En Hsu
02:02 12 Jan 21
Our Auto Policy was dued to renew with surprising high premium. We got referenced from friends to contact Danny. Danny is very professional and helped us find the same coverage with lower cost. We enjoy the whole experience. Fast! Professional! A+++++
Tian Wang
00:19 30 Dec 20
Danny Liu is very professional and patient. It was our pleasure working with him. He helped us find the best rate of dwelling and auto insurances. We would highly recommend Danny to our friends.
Chingyi
23:23 22 Dec 20
I feel totally satisfied with the service I got from Danny Liu. He helped me find the best rate and always responded immediately when I need help for any insurance related issues. I highly recommend Mr. Danny Liu if any one needs help for finding good insurance.
Vincent T
01:08 02 Aug 20
Danny is very good in his own field. He provides good customer service, very responsive and professional. He gives very good competitive rate for my need, not adding excessing coverage for my property. He explains to me some coverage in details very patiently. I would recommend him to my partners for future insurance needs.
Tianyi Zhang
02:20 12 May 20
I got great experience with DW Insurance and our consultant Danny. He always helps us to find the best price and best service. We now have our house, and all of our cars' insurance with them, because we cannot say no to the high cost-performance-ratio. Their customer service is the BEST! Every time when we have any kind of questions, Danny is always there. He is awesome! Last year our house got hail damage, Danny helped us a lot with claiming, so that we received a check to cover our damage just in several days, which is really impressive. All in all, highly recommend them. At least you should ask them for a quote, then you may be surprised that you were paying too much on your previous insurance, and wasn't getting the best coverage.
Helen Lou
22:44 05 Mar 20
Danny is a very responsible agent. He always explains the insurance terms and conditions clearly to fit our needs and tailors different packages for rental property and own residential properties. I am happy to be working with Danny for years.
Doreen Huang
21:37 05 Dec 19
Danny has been patient to explain all details and my questions, and he also found the best price and right insurance company.
Amber Chen
16:38 06 Nov 19
I had nice experience working with my agent Danny Liu and he provided me with the smart home discount which is better than any others.
Ping Feng
16:34 26 Oct 19
Danny Liu is very professional and patient. It was our pleasure working with him. He helped us find the best rate and explained every house insurance coverage in detail. The best insurance agent we have ever worked with. We would highly recommend Danny to our friends.
Sarah Sills
16:23 09 Oct 19
We had a very positive experience working with Danny! He is very knowledgeable and quick to reply. He streamlined everything and made us feel very comfortable when selecting our auto and home insurance. We will definitely use his services again.
Robby
02:19 18 Sep 19
Danny has been great to work with. Worked with him in the past when he worked at a different firm, but continues to deliver. Very easy to work with and finds me great savings.
Li Li
19:18 24 Jul 18
We had very pleasant experience with Danny. He is smart and efficient. I talked with him on Monday and I got everything done on Tuesday. Highly recommend.
Medicare Open Enrollment 2020-2021
Medicare Open Enrollment is Oct 15 to Dec 7
For 2021 healthcare coverage, Medicare’s annual Open Enrollment period runs from October 15 to December 7, 2020.
During Medicare Open Enrollment, seniors can:
- Switch from Original Medicare to a Medicare Advantage plan
- Change from Medicare Advantage to Original Medicare
- Select a different Medicare Advantage plan
- Choose a different Medicare prescription drug plan
Why do seniors need to make changes to their Medicare plans?
Medicare health and drug plans can change each year: costs, coverage, and which providers and pharmacies are in-network.
That means the plan that covered everything your older adult needed this year might not have the same coverage next year.
This is especially true for Part D prescription drug plans.
When the plans change, this could result in significant increases in next year’s healthcare costs.
But often, changing to a different plan could get the coverage your older adult needs without increasing their premium or out-of-pocket costs.
And, there’s always the chance that a plan with a lower premium could provide the coverage they need.
The Annual Notice of Change letter highlights important changes
To find out what’s changing in your older adult’s current Medicare plans, look for the Annual Notice of Change (ANOC) letter.
The ANOC is a helpful summary that highlights any changes in coverage, costs, or service area that will be effective in January 2021.
Medicare plans send their ANOC letters in early October and Medicare Advantage plans typically send theirs in September.
Compare 4 important areas of Medicare coverage
1. Premiums
Is the plan premium going up? If the increase is significant, there might be a plan that gives similar coverage at a lower price.
2. Deductibles and co-pays
What are the current deductibles and co-pays? Will these be increasing next year?
3. Prescription drug coverage
Medication that’s not covered is expensive. Paying special attention to prescription drug plans could save a lot of money.
It’s time-consuming, but necessary to find out how changes in drug plan premiums, formulary, and pricing tiers will affect the cost of medications your older adult takes.
Typically, a plan could raise premiums, add or remove drugs from their formulary, change pricing, or move drugs from one price tier to another.
Look up each of your older adult’s medications so you’ll know:
- If it’s covered in the plan’s formulary
- Which pricing tier the medication is in
- How much the drugs in that tier will cost
It’s also important to know if your older adult’s preferred pharmacy is in the plan’s network (prices are lowest in-network) and if there are any restrictions, like prior authorization or being forced to try a certain drug first.
Estimating those costs and taking restrictions into account gives you a clear picture of which 2019 plan will provide the most cost-effective prescription drug coverage.
Note: A plan’s formulary is the list of covered medications. Most prescription drug plans have 5 pricing tiers – preferred generics, other generics, preferred branded drugs, other branded drugs, and expensive specialty medications. Each tier has a different cost.
4. Part C / Medicare Advantage / Managed Care
If your older adult has a Medicare Advantage plan, call their current doctors, hospitals, specialists, and other providers to make sure they’ll still be in the plan’s provider network in 2019.
Changes made during Open Enrollment will take effect on January 1, 2021. And after December 7th, no further changes to Medicare coverage can be made for 2021.
We explain why reviewing and making changes to your older adult’s medical and prescription plans can help them save money and improve next year’s coverage.
We also share how to know which plan changes to focus on, how to compare 4 key areas of coverage, and 4 ways to get help with Medicare decisions.
如何购买出租屋保险
#租房 #保险公司 #美国房产#保险
很多人在美国买房子， 但是自己又不住在里面，而是出租出去，从而赚租金。把房子做为一个投资的工具。 那做为房东来说， 购买出租房保险就非常的必要了。 以下我会介绍如何在美国买这类的保险
在美国， 保险公司有专门的保险给这类出租的房子，我们叫它做出租房保险（Landlord Insurance)。 这种保险跟我们自住房保险（Homeowner Insurance)是有区别的。 出租房保险的定义其实很简单：房子是房东的但是房客在住。错误的保单很可能会导致有理赔时，保险公司拒赔或者少赔。
所以大家千万不要买错。 那出租房到底包含些什么内容呢？
一、房子的重建费用 （Dwelling)：
如果房子遭到什么自然灾害，保险公司会支付的重建房子的费用 。这一般是指房子结构上的费用。它也包括，花草树木，围墙、游泳池等等其他建筑。
二、租金损失 (Loss of Rent)：
房子遭到灾害，比如火灾，房客不再租这房子，这导致房东的租金损失。在房子重建或者维修期间，保险公司会对于租金的赔偿。
三、责任险 （Liability):
这是一个非常重要的保障条款。除了房东和房客以外的人受伤了，这项责任险会做出相应的理赔。这一项也包含相关的法律费用，比如律师费用，辩护费用。
如何购买出租房保险呢？
一、计算出适合的重建费用
这就需要一个有经验的保险代理帮您计算出正确的房子承保费用。 大家要注意，这个重建费用跟购买房子的费用是不一样的。
二、选择合适的出租房保险种类
出租房种类有好几种。最常见的是DP1 和DP3。 DP1的保险是出租房的最基本险，它的费用低，但是房东要承受的责任也是最大， 如有损失，理赔金额是前扣掉折扣后，再赔给房东。您可以这样算： 保险公司赔付金额 – 自付额 – 折旧额= 房东最后所得金额。
DP3: 它跟DP1的保险比较，它的保险范围就多很多。最主要是理赔时，不会扣折旧。
三、选择合适的责任险
上面我也提过， 在美国，责任险非常重要， 尽可能把它提高。 一般保险公司默认的金额是10万美金，但是您可以要求增加到更高。
四、选择合适的租金损失
如果是因为房子的原因，不能住人，而导致房东的损失，保险公司会赔。
五、选择合适的自付额
比如说是1万元的屋顶理赔， 房东的自付额是2000，那房东要先付2000元， 保险公司付剩下的8000元。自付额越高，相对的保费越低。
如有问题， 请随时联系我们经验丰富的保险代理。DW Insurance & Financial Services Inc.
了解出租房的保险
在美国，很多人都喜欢买房子， 更多的人想要做房东， 每个月能收租金。 根据统计，每80秒市场上就会有多一间出租房。 当这出租房的数量越来越多的时间，相对的问题也就出来了。 做为房东， 你的责任不再是只要寻找一个好的房客， 你还有责任去管理和维护这个房子。 比如说，如果房子被冰雹打到，或者被人恶意破坏， 又或者有人在我们房子范围内受伤了，作为房东，需要怎么办？ 为了避免真的出现这种情况，房东不需要为了支付昂贵的费用而烦恼，那房东就需要买一份出租房的保险了（landlord insurance policy)。
出租房保险保些什么？
不同的保单所保的内容不太一样，但是大部分的是保以下三个部分：
-
财产损失保险：
出租房的保险基本上有保如果是火，天气或者犯罪活动所造成的损失。如果你买的是更好的保单，这份保单还会保车库，工具，围墙等等。
-
责任险：
如果有人在房子范围内受伤，这个责任险会保那受伤人的医疗费用，法律或者律师的费用
-
租金的损失：
如果房子有损失，而且是在保的范围内， 比如说火灾或者龙卷风， 房子不能住人的情况下， 房东所损失的租金， 大部分的保险公司会赔偿部分的租金损失。
出租房保险不保什么？
- 房客的物品不是在出租房的保险范围内的。 比如说因为火灾， 房客的汽车， 电脑，沙发和其他的个人东西都被火烧掉了， 房东的出租房保险是不赔这个的。 所以房东应该尽量的建议房客自己买一个房客的保险 (Renters Insurance) 去保他们自己的财物。
- 出租房保险不保维修。如果洗碗机坏了，或者热水器坏了，那是房东自己的责任。
理解保险里的自付额
当你自己了解保险的自付额，你可以避免一些意外的费用和省钱。
什么是自付额（deductible）
自付额的意思是当我们有保险理赔时我们自己要承担的费用。比如当我们家被冰雹打到，或者发生汽车事故，保险公司付的费用里， 这个自付额会自动的从这个费用里先扣掉的。
以下的是保险公司给出的汽车的修理估价，大家可以看到，$250的自付额就包括在这个估价里。 保险公司给出的支票只会是$23727.66, 而不是$23977.66。
自付额其实就是一种让客人跟保险公司分摊风险的做法。 一般来说， 自付额越高，相应的保险费用会越低。
自付额可以是一个指定的金额或者是保险单里一项的百分比。 这个是要看保险公司的做法。这个自付额内容一般在保单（declaration page）里可以找得到。
自付额是如何运作的
如果是指定的金额， 这个金额 会自动的从你的赔款里扣除。比如你的保单的自付额是$500, 你们保险公司确定这次理赔要花$10,000, 那你将会拿到的支票只有 $9500。
汽车的自付额：
其中一种房子的自付额表示方式：
另一种的表示方式：
百分比的自付额一般是出现在房子保单里。 它是根据你保单里的房子价值的百分比来算的。 比如说你的房子保$100,000 (Dwelling A)， 而你的自付额是1%， 那你的自付额就是$1000。 所以如果我们有冰雹的理赔， 修整个屋顶要花$10,000, 那最后拿到的理赔支票只有$9,000。注：在这里我没有算上折扣。这方面的内容在以后再跟大家说清楚。
大家要特别注意的是， 在汽车和房子保险里， 自付额是按每次事故来算的， 这个不能说像医疗保险那样，一年内可以累计的。 所以大家要特别的注意和分别清楚。 但是也有特别的州对于某各特别的天灾会有特别的自付额。这个要看你所在州了。
而且这个自付额一般是针对“物品”，如果有责任险的理赔，这个就没有自付额了。 比如说因为交通事故而造成对方的身体伤害或者汽车的损失，这种情况下，保险公司会赔给对方，而不会向我们要求拿自付额。
提高自付额来省保费：
提高自付额是其中一种省保费的方法。 所以下次你在买保险时， 可以问问看如果把自付额变高些，你可以算多少，这样来做决定。 比如在汽车保险里， 当你把自付额从$250 升到$500, 你的保费会降些， 如果是升到$1000,那保费会降得更多。
但是，请大家要记住，在有理赔的情况下， 你要先付了自付额后， 保险公司才会付差额，所以不要捡了芝麻掉了西瓜。
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