Plan IV Blog

We get the facts & get informed for a better, smarter, health experience!

Open Enrollment for Medicare Starts October 15

Due to the COVID-19 pandemic, health care in America has been a progressively sought out topic among people filing for health care coverage. Thankfully, amidst all the chaos, Medicare and healthcare open enrollment are still remaining within the same windows as years past. From October 15 to December 7, Medicare holds its open enrollment; from November 1 to December 15, all other healthcare coverage will be available for open enrollment 2021.

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Member of the 2020 MECC

Plan IV Corp. achieves Elite status for enrolling over 100 consumers during Open Enrollment

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Safety Tips for Going Back to School During COVID-19

Going back to school has never been like it is in the age of the Coronavirus pandemic. As schools begin to reopen and classes resume this fall, institutions must balance the social, emotional, and educational needs of students in addition to the health and safety of teachers and staff as the pandemic continues to affect our everyday lives.

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Why Telehealth Doctor Visits Are Essential

In the age of COVID-19 and the ongoing coronavirus pandemic, it is safe to say that there are still many uncertainties to how to continue with business as usual.

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Health Care & The Pandemic

The pandemic has caused people to put non-medical appointments on hold. Since March, both patients and physicians have canceled routine checkups, postponed preventive screenings and put off elective surgeries to protect the health and safety of all parties involved.

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Michigan's New Auto Insurance Law

Governor Whitmer signed historic bipartisan auto no-fault legislation to lower costs for Michigan drivers, maintain the highest coverage options in the country, and strengthen consumer protections. These changes will apply to policies issued or renewed after July 1, 2020.

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Life Insurance in the Age of COVID-19

While the curve is flattening and the economy is opening back up, the risks of COVID-19 still remain. With the threat of a second wave possibly overcoming our communities, many businesses are acting cautiously as we progress further into 2020.

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Plan IV | Corona Virus Update

During this time of uncertainty we understand there is a lot of concern about if or how to pay your employees and how or if to continue to offer health insurance .

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Travel Insurance for Upcoming Spring and Summer

Winter is coming to a close and that means spring and summer are upon us! It might be hopeful thinking, but Plan IV wants to help you be mindful during this season of heavy travel. With so many people traveling for spring break, we have protective measures, such as purchasing travel insurance, that make sure your plans are safe and secured.

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This Valentine's Day: Insure Your Love

Insure your love: How do you show your love?

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Your 2020 Financial Calendar

It’s 2020, and with the new year in full swing, it’s time to get organized for the big things to come. Whether it’s all those appointments, birthdays, or trips out of town, the year is filled with many different events, causing us to overlook all the other tasks we need to get done. Since we know how difficult it can be to remember or plan for everything, Plan IV has made it easy. Check out this list of monthly tasks to remember through the end of the year:

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The SECURE Act: Impacts on Retirement Planning

The Setting Every Community Up for Retirement Enhancement (SECURE) Act was signed into law on December 20, 2019 and is the most significant retirement reform legislation in more than a decade. It was created to encourage individuals to save more for retirement and motivate businesses to offer retirement plans.

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Tax Identity Theft: Protecting Your Credit and Finances

The main cause for tax identity theft occurs when someone files a tax return using your Social Security Number (SSN). Many times, criminals will pursue someone else’s personalized tax returns in order to claim a fraudulent tax refund. Additionally, criminals may have used your SSN to obtain employment records, information on credit and other confidential information.

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Travel Insurance in December

Here it comes Season’s Greetings! We made it to the end of the year, and it’s time for families and friends to celebrate the long year together. With the season’s greetings comes a big influx of people traveling all over the world to go home for the holidays. With that in mind, purchasing travel insurance is a protective measure to make sure your plans don’t go south, as well. Plan IV is here to help you decide the best travel insurance plan is fit for you.

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2020 Open Enrollment for Healthcare

With the end of the year fast approaching, Michigan residents ought to know there is only a short window of opportunity to enroll in healthcare coverage for the 2020 calendar year. Open enrollment for health insurance begins November 1, 2019 and will conclude on December 15, 2019. But don’t wait! Residents seeking insurance coverage should act before the end of the enrollment period, unless you will qualify for a Special Enrollment Period. Residents in Troy, Rochester and the surrounding southeast Michigan area can trust us at Plan IV to navigate through insurance options fit for your needs.

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2020 Open Enrollment for Medicare

Open enrollment for Medicare 2020 will start on October 15 and will run through December 7, 2019. Senior residents of Michigan ages 65 years and older seeking insurance coverage should act quickly. You must sign up for your Medicare Supplement or Advantage plan during this period to obtain coverage. Residents in the metro Detroit area can trust Plan IV to help them navigate options for the best health insurance in Michigan.

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Protect the ones you love with life insurance.

The best way to protect your loved ones is by purchasing life insurance. Of course, every one envisions their future and how it will transpire but many times unexpected things happen in your life that was not expected. Life’s events and happenings are sometimes out of your control.

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Back To School Financial Guide for 2019

Back-to-school time is not only a great time to plan a scholastic budget, but also reviewing and reassessing your financial plan.

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Back-to-School Dental and Vision Exams

As the calendar flips from July to August, the thoughts of back-to-school begin. The carefree days of Summer start to fill with appointments, practices and last-minute vacations. Before you get too busy, don’t forget to make those dental cleanings and eye exams for the kids!

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Sizzlin’ Summer Series: PART 3

Give Yourself The Gift Of Peace Of Mind With Life Insurance

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Things to Consider About Long-Term Care

Long-term care involves a variety of services designed to meet a person's health or personal care needs during a short or long period of time. When people can no longer perform everyday activities on their own, these services can help them live as independently and safely as possible.

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BREAKING NEWS

President Issues Healthcare Transparency Executive Order

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Sizzlin’ Summer Series: PART 2

The official start of Summer – June 21st – is right around the corner. As we cruise into part two or our Sizzlin’ Summer Series, we will make a splash with the best cities to retire in 2019.

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The Importance of Life Insurance

Of course, one of the most common reasons to buy life insurance is to replace your income that your family depended on in the event you die.

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Sizzlin’ Summer Series: PART 1

This last Winter was one for the books. With record snowfall, rain, and cold temperatures, it’s safe to say that most of us are ready for warmer weather. What better way to celebrate the onset of sunshine and warm temps than with a three-part newsletter series to help you enjoy Summer! In this month’s newsletter, we will dive into the top 3 places to travel, based on the Summer months:

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Disability Insurance

If you get sick or injured and are unable to work, the last thing you want to worry about is paying your bills or wondering where money will come from for gas, groceries and living expenses. You can think of Disability Insurance as income protection because it can help replace a portion of your paycheck.

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April is Financial Literacy Month

Do you consider yourself financially literate? According to a study by S&P Global, 57% of American adults are financially literate, ranking the U.S. 14th in the world. As a way to increase financial understanding, April is considered Financially Literacy month! Whether you’re a financial guru or consider yourself a newbie, here’s 3 ways to make a difference in your finances this April!

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Reasons for Small Businesses to Outsource Their HR Department

Small business owners like to pride themselves in knowing all aspects of their organization. They are independent and successful but are also smart enough to know they cannot possibly handle everything. They are great at putting the right people in charge to oversee the various aspects of their business. They are also not afraid to outsource when it comes to their human resource department.

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3 Tips to Spring Clean Your Finances

There are 12 Months, 52 weeks, 365 days, 525,949 minutes in a year. From holidays, to appointments and birthdays, a lot can happen and even more can be forgotten. To help you worry about less and focus on more; here’s 5 important dates you should remember when it comes to planning your financial journey.

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What To Expect At Your Annual Wellness Visit

While every wellness visit is different, there are some things you can expect your physician will check every year.

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Tax Identity Theft: Protecting Your Credit and Finances

Tax season is here, and though you technically have until April 15 to file your returns, you might want to submit yours sooner than that — at least if you want to avoid potential identity theft (and a whole lot of hassle). Tax-related identity theft is a growing problem in America, and the more security breaches, information hacks and digital business we do as a society, the more consumers who fall victim to it. In fact, in 2016 alone, thieves stole more than $21 billion in tax refunds as a result of this simple, yet clever, form of identity theft. Have you fallen victim to Tax ID Theft and need help dealing with the financial ramifications? Or just want to know ways to prevent it from happening to you? This guide can help.

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Your 2019 Financial Calendar

Your 2019 Financial Calendar There are 12 Months, 52 weeks, 365 days, 525,949 minutes in a year. From holidays, to appointments and birthdays, a lot can happen and even more can be forgotten. To help you worry about less and focus on more; here’s 5 important dates you should remember when it comes to planning your financial journey:

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Financial Resolutions for 2019

The holidays are in the rear view and the New Year is just over the horizon. As everyone starts the New Year off with positive changes and new annual goals, make sure your finances are one of them! Don’t let your financial dreams fall out of reach by checking out these 4 financial changes you should promise yourself as you head into 2019.

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What if you didn't get your new Medicare card?

Your new Medicare card should have arrived in the mail by now. If you didn’t get it, here’s what to do:

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Beware of Tax Related Scams and Inquires

It’s the start of tax season and cyber criminals may be posing as the Internal Revenue Service (IRS), a tax accounting service or preparer, client, or an employe Watch out for phishing emails, texts, letters or phone calls asking for personal information such as Social Security Numbers, W2 forms, or banking information, etc. It is always best to call the IRS directly to verify any request. The IRS will never email, text or call you.

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8 Year-End Financial Tips

Twas a few weeks before Christmas, and all through the house, not a person was over-spending, not even on decorations for the house. Receipts and bills were paid and filed away with care, in hopes of a fresh financial start to the New Year. Retirement funds were nestled all snug in their accounts, while payments and savings would grow that amount. And while taxes can be less with charitable giving, also pull an annual, free credit report to make sure my 2019 finances are winning. When out from my phone arose such a clatter, I look at the caller ID and see it’s my Financial Planner! Away from work I flew like a flash, into Christmas break, time to meet with my advisor, fast! The meeting was scheduled, for the day after the snow and while it might be cold, my Advisor says my end-of-year finances were looking bold! When, what to my wondering eyes did appear, but my advisor with 8 tips for an amazing end to the year!

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Can You Still Get Health Insurance Coverage for 2019?

Open enrollment for 2018 ended on December 15. However, many Michigan residents who have not yet applied are still eligible for health insurance coverage in 2019.

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Open Enrollment

Open Enrollment for 2019 Health Insurance Plans ends December 15th!

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4 Must Know Financial Terms

The holidays are upon us! And with the holidays comes the fun tradition of holiday shopping! Just as you should plan when shopping, you should also plan of when dealing with finances. Although Financial Literacy month isn’t until next year, we wanted to get a head start by celebrating Canada’s Financial Literacy month, November! Before meeting with your financial planner, check out these 4 must know financial terms:

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Working Directly with Health Insurance Brokers Has Major Benefits

Whether you need short term coverage, a long-term policy, disability insurance, supplemental insurance, or any other type of coverage, Plan IV can find a plan that perfectly fits your budget, needs, and lifestyle.

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Ways Millennials are Changing the Healthcare Industry

The insurance professionals at Plan IV keep up with changes in the healthcare industry, and we are here to help Millennials find the best and most affordable healthcare coverage.

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5 Signs You're Ready to Retire

You are nearing the average retirement age and each day it becomes closer and closer. The question is, are you ready to retire? Check out these 5 signs you’re ready to retire.

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September is Life Insurance Awareness Month!

Your journey to financial fitness begins with just one step ...

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Personal Finance When You’re About to Retire

Those last few years, months, and weeks before retirement can be both exciting and terrifying. You’ve worked all this time to prepare, and now it’s finally time to make it happen. We call it “go time” when talking with our clients. Among other things, it’s time to stop focusing on taking care of your children and everybody else and instead make sure you have everything in place for yourself.

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How the Right Dental and Vision Insurance Plans Save Your Family Money

TradeFirst can help you get the best dental and vision insurance plans possible for YOUR family. Trust us with your insurance selection, and we can save you money while giving you the peace of mind that comes from knowing that your family’s needs are covered.

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Tips for Back to School Season

Although it’s just mid August , storefronts and businesses are beginning to advertise what some kids dread, and others cherish, back to school time. In a report from Huntington Bank Backpack Index, school supplies have increased a whopping 88% since 2007. With this statistic, here are 3 tips to consider for this back to school season.

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Don't Leave Home Without Travel Insurance this Summer

Plan IV can provide you with the best, most comprehensive, and most affordable travel insurance on the market. In addition to temporary health insurance, health insurance, supplemental health insurance, and Medicare supplement plans, this is just one more convenient service that we offer Michigan residents.

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Best of Troy Award Winner

For the 3rd year in a row we've been given the Best of Troy Award for Insurance Agency!

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Mid-Year Financial Check Up

Happy Half Year! Time flies and first 6 months of 2018 are already here and gone! With the second half of the year fast approaching, it’s important to know how your finances are stacking up compared to your goals when the year began. What better way to that then to check out these quick tips for a mid-year financial check-up:

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When You're The "One"

The one incident that could change your entire future. Provided by Thomas Miszcak

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Attract and Retain the Best Employees with the Right Insurance Packages

So, what are Millennials looking for when choosing their perfect companies? Studies indicate that they want flexibility, competitive salaries, and insurance packages that are tailored to their unique needs. Get the most competitive and affordable employee benefits packages from Plan IV Health.

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Off-Ramp to Retirement

Retirement on your mind? Whether you are on the brink of retiring or already there, you want to make sure you saved and protected your assets to ensure you’ll have income to exceed your retirement dreams. 65 years of hard work should not go to waste which is why it is crucial you make sure you are planning for retirement that may be 30 years or longer!

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Teaching Seniors New Tricks to Avoid Old (and New) Scams

New Medicare cards are in the mail. Medicare is removing Social Security numbers to help protect cardholders’ identities. The new cards are being mailed in phases beginning this month, with all new cards issued by April 2019. Visit medicare.gov to find out when you can expect to receive your new card.

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Social Security & You

Are you on the verge of retirement? Then you are probably asking yourself when you should stop working and how long after that do you take Social Security benefits? While your first thought may be to take both as soon as you are able, the reality is a little more complicated.

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Have I Saved Enough For Retirement?

Many Americans look forward to their retirement years; however, if you’re not prepared, it can also be financially stressful. When it comes to retirement, most Baby Boomers are unsure if they’ve saved enough and are concerned about running out of money.

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5 Tips for Reaching Your Financial Goals in the New Year

You may already be retired or you’re just starting to plan for it; either way, this is the time for making New Year’s resolutions toward your financial goals.

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Give Yourself The Gift Of Peace Of Mind With Life Insurance

One of the biggest stressors of the holiday season can be money or more specifically, not having enough to purchase the presents we think we should..

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2017 Best Of Troy Award!

Plan IV has won a Best of Troy Award for 2017 for Insurance Agency! That's 2 years in a row!!

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NAHU's Statement on Today's Executive Order

National Association of Health Underwriters' Statement on Today's Executive Order

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3 Retirement Pitfalls to Avoid

As you near retirement, you’re probably looking forward to the laid-back lifestyle it can offer. But there can also be some snags that could cause you to run into financial trouble later in life. Here are three retirement pitfalls you should try to avoid.

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HR Advisory Services

When you need immediate answers to tough HR questions, where do you go? The web? Business Colleagues? Your attorney or HR consultant?

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PrimePay HR Outsourcing

Plan IV Corporation is proud to meet your organization’s health insurance needs and we’re continually seeking new ways to deliver even greater value to you. With that in mind, Plan IV Corporation has partnered with PrimePay – one of the nation’s leading payroll and business service firms – to offer a suite of integrated HR, benefits and payroll processes to our clients. With these services, Plan IV Corporation can become your one-stop source for a full range of insurance, HR, benefits and payroll needs. By working with Plan IV Corporation and PrimePay, you can optimize the speed, efficiency and accuracy of your HR, payroll and benefits administration processes.

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How much life insurance do I need?

The most important part of buying life insurance is determining how much you need. Since everyone’s financial circumstances and goals are different, there is no rule of thumb to tell you how much to buy.

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Fixed Index Annuities

One of the biggest concerns of preretirees and retirees is income. This makes a lot of sense when you consider that all your savings essentially breaks down to an annual income you need to have to live comfortably during your retirement years. One of the options many seniors explore when trying to secure their retirement income is a fixed index annuity.

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Retirement Planning and Taxes

Life after retirement is full of changes and challenges, not the least of which is trying to understand how taxes will impact your income and deductions in retirement. Many wonder how big their tax bill will be in retirement and how long their retirement will last.

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Summary of American Health Care Act

Here is a quick summary of the key provisions of the American Health Care Act, that has been introduced to replace the Affordable Care Act (Obamacare).

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Insure Your Love

Why do people really buy life insurance? For most it comes down to love. They love someone and want to make sure their family or loved ones wouldn’t suffer financially if something happened to them. A life insurance policy is the ultimate gift of love. It’s less expensive than many other standard gifts like jewelry, yet provides a tremendous value that your family will need, should they lose you.

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Affordable Care Act Executive Orders

Information on President Trump's executive order regarding the Affordable Care Act.

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Obamacare Deadline Extension 2016

Obamacare Jan. 1st effective date extended!

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OBAMACARE - OPEN ENROLLMENT DEADLINE!

Don't forget Thursday (Dec. 15) is the last day to get a January 1st effective date for ALL individual health insurance plans. If you haven't enrolled for next year yet, give us a call (248) 689-4910.

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Retirement Newsletter - December 2016

5 Things You Need To Know About Long-Term Care Insurance

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HAPPY THANKSGIVING!

Our Office will be closed for the holiday: Thursday Nov. 24th and Friday Nov. 25th. We will be back for normal office hours on Monday! Have a great holiday!

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OPEN ENROLLMENT

Open Enrollment is in full swing! Begins November 1st and remains open through January 31st .

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Obamacare Open Enrollment

Obamacare Open Enrollment Starts on Tuesday!

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IRS to Target Citizens Who Aren't Buying Obamacare

If you currently don't have a health insruance plan, keep an eye out for this letter from the IRS (see article below)...

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BEST OF TROY AWARD

Plan IV has been selected for the 2016 Best of Troy Awards for Insurance Agency. 🎉🏆

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2016 Marketplace Special Enrollment Period

Special Enrollment Period for Individual Health Insurance

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Safe Money Advisory Newsletter ~ August 2016

The Newsletter is written to help you with retirement matters. If you have questions or would like to review your retirement plans, please get in touch if I can be of assistance.

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June is Annuity Awareness Month

June is Annuity Awareness Month: the age-old question and worry from our clients never stops: "what happens if I live longer than my money lasts?" Below is a simplistic way to explain these insurance products and their functionality inside of a retirement income strategy.

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Diversifying Your Retirement Income Sources~ Video

Learn how life insurance can help protect against market downturns! Click the link to watch a quick YouTube Video

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Safe Money Advisory Newsletter ~ May 2016

Retirement Planning at Every Age: What should you be doing right now?

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Plan IV Newsletter

In case you missed the email.. check out this months newsletter!

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Safe Money Advisory Newsletter ~ Feb. 2016

February's Safe Money Advisory Newsletter- "What you Need to Know About Your Income Taxes"

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Safe Money Advisory Newsletter ~ January 2016

This month's newsletter, "What you need to know about changes to your Social Security Benefits" is now available. Just click the link below to access.

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Safe Money Advisory Newsletter ~ November

Six Essential End-of-Year Financial Planning Moves

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Safe Money Advisory Newsletter ~ October

Four Surprising Retirement Income Strategies

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Safe Money Advisory Newsletter ~ September

Safe Money Advisory Newsletter - The value of Life Insurance through the years

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Safe Money Advisory Newsletter ~ August

This month's newsletter touches on the five essentials of social security benefits.

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Safe Money Advisory Newsletter ~ July

July's Safe Money Advisory Newsletter

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June's Safe Money Advisory Newsletter.

The Newsletter is written to help you with retirement matters. If you have questions or would like to review your retirement plans, please get in touch if I can be of assistance.

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Safe Money Advisory Newsletter ~ May

Here’s this month's issue of our Safe Money Advisory Newsletter. Just click on the link to access.

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Safe Money Advisory Newsletter ~ April

Here's April's issue of Safe Money Advisory Newsletter: 2014 Tax Changes You Should Know

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Obamacare Enrollment Deadline

The Obamacare open enrollment period comes to a close at Midnight on Sunday, February 15th.

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ObamaCare Deadline

February 15th is the deadline to enroll in an Individual Health Insurance plan. It's not to late to get health coverage for 2015.

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