We’ve Moved our New Hartford Location

April 25th, 2017

roberson tierney office

We’ve Moved!

Open House May 12th
10am – 2pm

Our New Hartford Location is now located on
2 Central Ave Suite 1A | New Hartford, CT 06057

860-379-6700 x403

 
 

Did You Know We Did Home & Auto?

March 2nd, 2017

What does March Madness mean to you?

Roberson Tierney hopes that it has more to do with fun, like enjoying the great basketball that our UConn Huskies have been giving us for years and not the kind of madness that is frustrating, like paying bills.

January gets a lot of hype as a bad time for bills because that’s when the credit cards appear, showing just how much you’ve paid for gifts at the holidays. April, of course, is famous for taxes. March, sandwiched between the two, however, can be a good month to take control of your finances.

Insurance costs are now more of a concern than ever. We’ve been hammered with the idea that we should compare quotes and shop around, almost to the point where we’re numb to the idea. A good message repeated almost to death is still a good message.

Call Roberson Tierney today and get that quote. Annmarie is ready at 860-379-6700, extension 403 to ask a few (we mean that) questions. Then, we can present you with quotes on the insurance you need:

  • Homeowners
  • Renters
  • Auto
  • Umbrella
  • RV
  • Commercial

We can demonstrate competitive rates but, more importantly, show you comparisons of policies that provide the coverage you need. There are many carriers out there and it’s our job to find you the best insurance coverage at the right price.

There is no hard sell at Roberson Tierney. We pride ourselves on professionalism and quality customer service.

Please call today and let us help you save money, protect yourself and your loved ones, and get back to the fun of March Madness! 860-379-6700, extension 403

53% of Costs Associated with Cancer are Non-Medical Indirect Costs

February 9th, 2017

indirect cancer costs

The good news is that 15.5 million people diagnosed with cancer have survived!

The bad news is that 36% of cancer patients deplete their savings and 24% borrow against their retirement plans.

Most medicare advantage plans ONLY COVER 80% of chemo and radiation treatment along with high hospital per day co-payments.

THE ANSWER: Lump Sum Cancer Insurance Policy

  • Experimental treatment benefits included
  • Increase of coverage from 25% to 50% for in-situ cancer
  • Benefits increase by 25% for late stage cancer diagnosis
  • $500 Skin Cancer Benefit
  • $100 per year Wellness Benefit for Annual Physical Exams

AND MOST IMPORTANT – 

Ask Mayo Clinic: Answers that are Cost Saving, Life Saving, and Time Saving are only a phone call away!

  • 24 Hour Nurse Line
  • Ask Mayo Clinic Online
  • Critical Illness Support

Call to learn more about Cancer Insurance Plans today!
1-877-589-6363

3.1% Fixed Interest 5-Year Annuity | Limited of Time Offer

February 6th, 2017
Do you have a CD or annuity coming due soon or need to invest money but frustrated by the return on investment or level of risk offered to you?  Roberson Tierney has a safe investment tool that will yield 3.1% fixed interest.  For a limited of time only, you can invest in this 5-Year Annuity alternative and enjoy peace of mind as your money works for you.
 
Call Roberson Tierney today at 860-379-6700 for more information.

Mission: Make Medication Inexpensive, Clearly Prices and Easy to Purchase

January 10th, 2017

In the hustle and bustle of modern life, one of the most important devices that helps control this is your smartphone. Your smartphone not only makes your life more scheduled and planned, but also helps you save money by availing discounts through several apps.

Sometimes we don’t even realize how this little thing can help us enhance not only our professional life but personal life as well. From connectivity to efficiency to entertainment, your smartphone has it all.

In the current scenario of the world, where healthcare is one of the most talked about issues, people are more into ways through which they can save some of their money using website or apps, there is another solution called Blink Health.

The mission of Blink Health is, “to make medication inexpensive, clearly priced and easy to purchase.”

Blink Health has contributed to providing lower prices for generic medications which might be available at every major pharmacy around the country. A number of pharmacies do not focus on listing the prices of the drugs that are available with them, and consumers do not even have the slightest idea of what they are paying.

The issue of drug pricing has been raised at a congressional hearing and Representative Peter Welch, Democrat of Vermont, asked an executive of Turing Pharmaceuticals, which was in the limelight after sharply raising prices on a little-known drug, “Why isn’t it possible to just have a price where anybody who wants to know what that price is can go to a website and see?”

Everyone is well aware of the fact that Americans are not happy with the insurance plans because they are way out of what their wallets can spare.

BlinkHealth allows customers to pay for their drugs online and later they can visit any pharmacy to pick them up. “This is the first time the consumer knows what the price of the item is before they get to the register,” said Geoffrey Chaiken, who is one of Blink Health’s founders.

Most commonly prescribed drugs of the country are

  • Synthroid (levothyroxine)
  • Crestor (rosuvastatin)
  • Ventolin HFA (albuterol)
  • Nexium (esomeprazole)
  • Advair Diskus (fluticasone)
  • Lantus Solostar (insulin glargine)

And most of these are less than $10, and they have certain generic versions as well.

The Chaiken brothers also claim that BlinkHealth has offered prices than what is being offered at much lower costs. “Using the power of Internet to aggregate,” he said, “when we negotiate, we look to pharmacies like we’re 25 million people.”

“If someone’s paying $15 for a drug, we negotiate something south of that and take a small percentage of savings as revenue,” Geoffrey Chaiken said. “We rely on a making thin margins on a lot of volume.”

Patients are more than welcome to use Blink even if they are insured, all they need to do is to compare the Blink price with the copay.

Blink is working hard to make the discounts applicable on brand name medication as well in the near future.


For more information or questions, call Roberson Tierney and Associated at 860-379-6700 or go to BlinkHealth.com

Blink Health Insulin Patient Access Program

January 8th, 2017

Starting January 1, 2017, Blink Health is offering a 40 percent discount on insulins provided by Lily under the Blink Health Insulin Patient Access Program. The insulins, including Humalog which is one of the most commonly administered branded insulin medication, will be delivered directly to patients at more than 67,000 pharmacies all over the country.

 The Blink Health Insulin Patient Access Program is an initiative first of its kind aimed at providing insulins at a low cost to all those patients without insurance who otherwise have to pay full price at the pharmacies. With Blink Health collaborating with Eli Lily and Company, this program is an effective step to reduce the high costs of essential prescription medications and improve healthcare benefits for those who truly need them and hence has started a shift in the drug pricing. The said program has Blink’s Technology platform to give credit to for its make-up as it is a manufacturer-funded patient access program. In its efforts to balance the consumers who are faced with ever-increasing health care expenses, this program is a major step to ensure that.

Blink Health Vice Chairman Bill Doyle explaining the company’s aims says Blink Health’s technology is ever ready to join hands with industry participants to provide medications at a cost that people can afford. Blink Health Technology believes in innovation to back their goal of lowering drug prices. Adding to it, the company’s CEO and Co-Founder Geoffrey Chaiken have also mentioned their plans to let patients using Blink Health’s app or website gain access to low-cost medications from their local stores all over the states. Furthermore, the COO and co-founder Matthew Chaiken has hinted on Blink Health launching more programs like Blink Health Insulin Patient Access Program over the year to improve the out of pocket expenses of healthcare for Americans.

The major drugs that the program includes all forms of Humalog® (insulin lispro injection 100 units/mL), all Humulin® U100 formulations (insulin human injection 100 units/mL), and Basaglar® (insulin glargine injection 100 units/mL). All these high-priced drugs are to be offered to everyone who takes part in this program at a discount of 40 percent.

Now the question is how to participate in this program to gain such extraordinary health benefits. It’s fairly simple and pretty much everyone can become a part of this program. All you have to do is use the Blink Health’s mobile app or website www.blinkhealth.com to opt into the Blink Health Insulin Patient Access Program. These accounts will have no membership fee or monthly premiums. The patient shall be required to fill in a form specifying the dosage and quantity of Lily insulins prescribed to them to get the discount. For convenience, the cost can be paid online so that the medicines can be picked up from the nearest US pharmacy.

including Walgreens, CVS/pharmacy, Target, RiteAid, Safeway and Kroger. The purchases made are fully refundable.

The only people who are not eligible to benefit from this program are those under any federal government program.

Source: Blink Health Announces Lilly Insulin Patient Access Program


For more information, please contact Roberson Tierney and Associates at 860-379-6700 and we’d be glad to help.

What Are My Best Healthcare Options?

November 15th, 2016

As if there weren’t enough questions about healthcare and insurance, the results of the presidential election have raised new concerns about the future. Will Obamacare be eliminated, change a bit or a lot, or not at all? How does the future of healthcare in America impact its citizens?

Most questions won’t be answered for some time but there are good answers to be had now and positive steps you can take immediately to ensure you can get access to the doctors, medications, procedures, and therapies you need to live a healthy, happy life. There is no reason to put your well being on hold.

Along with a new president, 2017 will bring new changes to health insurance policies, not the least of which is an across-the-board increase in premiums. That increase can be very frustrating. Give yourself room to digest the changes that you’ll see coming from your existing provider regarding your existing plan and then take action. Education is your best friend in this area and can make a significant difference in your wallet if you choose wisely.

For example, did you know that you have choices regarding the deductible amounts for a high deductible healthcare plan or Health Savings Plan (HSA)? If you are a healthy individual who doesn’t expect to meet the deductible, it might be benefit you to choose a higher deductible and lower premium.

Of course, the devil is always in the details. You should approach your healthcare choices by first considering your needs – are you turning 50 and need a colonoscopy? Are you a woman who needs an annual mammogram? Do you have a chronic problem such as diabetes or arthritis and require a prescription? No two people are alike and there is no one best choice when it comes to selecting insurance coverage.

If you are purchasing insurance for yourself from the health exchange, insurance agents are no longer compensated by the government for their advice. Our agency among others charge $250 to review your needs and help you select the right plan. While it may be tempting to save that money, you can probably save that and more with the professional advice you can get from a certified insurance agent and can help you choose wisely.

Roberson Tierney is a professional, certified agency with decades of experience in matching our clients to the best policies in terms of benefits and premiums. We can help you by offering the answers that you need.

Important Dates You Don’t Want to Miss: Health Care Enrollment Dates

October 15th, 2016

medicalThere are only certain timeframes during which you can sign up for or change your insurance options. Once these important deadlines pass, you must wait the remainder of the year for the window of opportunity to open again.

So many of us have full lives and it can be easy to forget these deadlines. One good rule of thumb is so think of October and January as times to check in with your insurance agent, to make sure your policies and coverage are exactly where you want them to be.

The Annual Coordinated Election Period runs from October 15 through December 7 of each year. During that time, you can enroll in or update your prescription drug plan. Consider your health and any changes that have happened in the last year; it may be critical that you have the right plan to ensure you can receive the medication you need.

When you act during this window of time, your Medicare Part D Prescription Drug Plan (PDP) or Medicare Advantage Plan with Prescription Coverage (MA.PD) coverage will start on January 1 of the following year.

If you’re just turning 65, you can enroll anytime within three months before your birth month, during your birth month or up to three months after your birthday.

Coverage will begin either the first day of your birth month, or you sign up during or after your birth month, on the first day of the month after you join.

If you sign up before the middle of the month, your enrollment application process will go smoother.

The General Enrollment Period for Medicare Parts A and B occurs between January 1 and March 31 of every year and coverage begins on July 1.

Remember, Medicare Part A covers hospital, skilled nursing, and hospice care costs, among other services. Medicare Part B covers doctor’s fees, outpatient hospital services, and other medical services and supplies.

Medicare Part C is a more customized insurance that should cover what you need and you should spend some time thinking about what you’d like your plan to do for you. Finally, Medicare Part D covers prescription medications.

The system may seem overwhelming but there are many ways to get information. You can visit www.medicare.gov or attend a seminar that covers these important dates and options. Finally, you can visit with a trusted insurance provider to have a focused discussion about your particular situation.

Each year, Roberson Tierney uses a Medicare Review Form, a step-by-step guide that helps you create a clear picture of your current health, to help people like you understand exactly what you need to do to make sure you can focus on your health in 2016 and not the paperwork associated with it. The right coverage reduces confusion, questions, and ensures you receive the health care you deserve and need.

Call Roberson Tierney today to tackle those important enrollment dates and get you focused on other important dates, such as birthdays, anniversaries, and holidays.

Planning for your Future

September 15th, 2016

While many of us make our own retirement plans, no one is able to prepare for all of the complexities of the future without professional help.

Take the case of Mary Smith, who recently lost her best friend and neighbor of almost 40 years to Alzheimer’s. Nancy had been an active, energetic person, always helping Mary with gardening and Mary found it painful to see such a vibrant person slip away.

Now, Nancy’s two sons were fighting over the little money left after selling Nancy’s house to pay her medical bills. It broke Mary’s heart to remember how many times Nancy had proudly declared that she intended to pay for her grandson’s college education.

During a regular visit to her insurance agent, Mary shared this story and said, “It all makes me feel so helpless!”

For a good insurance agent, there are many tools available to deal with almost any situation. For example, Mary learned more about how to protect her assets from with Long Term Care insurance and the insurance products that can ensure she has access to the best possible healthcare without risking her financial security.

We developed a detailed description of her current financial situation, her desires for the future, including how she wants to provide for her family after she’s gone, and establish the best possible coverage for her. At the same time, we shared this information with a highly qualified attorney who can write a will and associated legal documentation—including powers of attorney and a living will—to make sure that Mary’s wishes are carried forth even if she cannot speak for herself.

She doesn’t need to learn the complexities of the insurance industry or the subtleties of law. She just needs to describe her dreams for the future once and her insurance agent and attorney can coordinate the information to create a comprehensive and complete package that will protect her future.

That’s the benefit of an insurance agent who has a strong professional relationship with a good lawyer. Each offers the expertise that you need and can clearly outline what you need, when you need it, with you and each other to ensure there are no gaps in your plan for the future.

Don’t waste your time or risk your future by running back and forth between offices, trying to repeat what you remember and guess at the questions that require answers. Relax and enjoy the peace of mind that comes from having a team working for you.

Call Roberson Tierney today to learn more about our professional relationships and ability to provide you with comprehensive life planning services.

One Stop Shop Resource for Insurance and Finance

August 9th, 2016

roberson tierney officeInsurance, as we all know, is not an easy-to-grasp facet of life. With many confounding terms and exasperating steps, the onset of confusion can be like nails on a chalkboard to your brain.

When purchasing insurance for yourself or for your loved ones, you have two options: buying direct or using an agent. While both have their benefits, hiring an agent can save you much time and stress. Contrary to popular belief, keeping the middle man in the loop, whilst planning out your estate, is never a bad idea.

Below are three benefits when going with an insurance agent like Roberson Tierney and Associates:

            Cost

Consumer belief would have it that paying an agent would cost more than purchasing insurance direct. This is false. Due to the fact that agencies are at lower risk, insurers provide lower rates to them, thus allowing lower premiums for the consumer.

            Comfort

When purchasing through an agent, you are able to develop a professional, friendly and ongoing relationship with that agent. Because many agents run locally, it’s no surprise you’ll be able to find reliable reviews on given companies by word of mouth. You may even end up acquiring services from someone you know.

            Peace of Mind

Agents contain an extensive amount of knowledge in their field. While they are skilled in educating their customers, they are also more efficient in regard to cross checking policies. They will fight rigorously for you to ensure you receive the money you need from your insurance company.

Also, while technology has it’s definite ups, the downside is the lack of human-to-human interaction. Having an actual person at your side when things go south is far more comforting to the mind when dealing with an issue.

Conclusion: The world of insurance is far too complex for the average consumer to do-it-yourself. Let an agent shop around for you and be your support.

Roberson Tierney is a one-stop resource for insurance & finance, including health, dental, vision, hearing, life, auto, boat, estate planning, long-term care, outliving ones retirement, annuity products, final expenses and wills. Contact her office today to discuss further.