Alexander & Haberman

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Alexander & Haberman

Health Insurance & Medicare Made Simple. We are in business to help make health insurance simple and easy to understand. And that’s how we can help.

As you may have noticed, Medicare and Medicare supplements can be confusing! That’s why we went into business — to make Medicare simple, and to make a difference in the lives of Minnesota seniors. When you make the right Medicare supplement and Medicare choices, it can free up money for you to do the things that really matter … instead of paying for doctor’s bills.

09/25/2025

🍎Homemade Apple Cider = Fall in a Mug🍎

Nothing says cozy like a warm mug of spiced apple cider on a crisp fall day. This recipe is simple, delicious, and will make your whole home smell like autumn. The best part? It simmers away while you go about your day, and when it’s ready, you’ll have the perfect drink for chilly evenings, family gatherings, or holiday celebrations.

Here’s how to make it:

- Start with 1 gallon of apple cider (or a mix of cider and juice).

- Add 2 slices of fresh orange for brightness. 🍊

- Toss in 5–7 cinnamon sticks, 12–15 whole cloves, and 12–15 whole allspice.

- Heat on low for 6–12 hours, adding water as needed to keep about 1 gallon total.

When finished, strain out the spices and oranges.

Pour the cider back into the original jug, store it in the fridge, and reheat a mug at a time whenever you want a little fall comfort. 🍂☕
This cider is not only tasty—it’s an experience. From the scent that fills your home to the warmth in every sip, it’s the perfect way to celebrate the season. Who’s ready to try it? 👇

09/17/2025

📢 Medicare’s Annual Enrollment Period (AEP) is almost here! From October 15 to December 7, you’ll have the chance to review your Medicare coverage and make changes for 2026.

✅ Check your Annual Notice of Change (ANOC) this month
✅ Review your doctors and prescriptions

👉 Starting Oct 1, we can review new 2026 plan details together so you’re ready to enroll on time. Call us to reserve your spot.

09/03/2025

Sean Penn at 65 – Make Your Medicare Story Oscar-Worthy

🎬 Hollywood heavyweight Sean Penn turns 65 this August — and just like many Americans reaching this milestone, he’s stepping into a new phase of life where Medicare becomes part of the conversation.

With unforgettable performances in Mystic River, Milk, I Am Sam, and Dead Man Walking, Penn has tackled some of the most emotional and powerful stories on screen. He’s known for digging deep, making bold choices, and advocating for causes that matter.

And when it comes to your healthcare, you deserve the same level of thoughtful planning and conviction.

📌 Medicare is not a “set it and forget it” situation. With multiple options and enrollment timelines, it takes more than guesswork to choose a plan that will serve you now and into the future.

Are you nearing your 65th birthday?
Or helping a parent or loved one who is?
Then now’s the time to take the lead role in your healthcare journey.

📞 Contact us today for a no-cost, no-obligation Medicare review.

💬 And while you’re here, we want to know: what’s your favorite Sean Penn movie? Is it Milk? Mystic River? Something from his early days? Drop your picks in the comments — and let’s celebrate this milestone together!

08/27/2025

🧭 A Medicare Cost Plan is a hybrid between Original Medicare and Medicare Advantage. You can see out-of-network providers and still get coverage. These plans are only offered in certain areas and are gradually being phased out.

Reach out to us for more information or help with Medicare coverage.

08/20/2025

💊 Creditable Prescription Drug Coverage

Not all drug coverage counts under Medicare! "Creditable" coverage means your plan is expected to pay at least as much as a Medicare Part D plan. If you delay enrolling in Part D without it, you could face penalties later. Check with us for more information!

08/13/2025

📣 ACA Open Enrollment is on the horizon! 🗓️

If you have an Individual Health Insurance (ACA/Marketplace) plan — or need one — the Open Enrollment Period (OEP) is your chance to sign up, renew, or make changes to your coverage.

🗓️ OEP runs from November 1 to January 15
✅ Enroll by December 15 for coverage starting January 1
✅ Enroll between December 16 and January 15 for coverage starting February 1

👉 Watch for announcements from us to start scheduling appointments. We can begin reviewing plan options with you after October 1.

Now’s the perfect time to start thinking about what worked (or didn’t) with your current plan. We’re here to help you make the best choice for 2026.

💬 Got questions? Give us a call!

08/06/2025

INSURANCE INSIGHTS

❓What Is Prior Authorization in Health Insurance & Medicare?

Prior authorization (also called pre-approval) means your health plan requires you to get approval before it will cover certain services, treatments, or prescriptions.

If you skip this step, you might be stuck paying the full cost out of pocket—even if it’s a service normally covered. 😬

✅ Used to confirm medical necessity
✅ Helps prevent unnecessary or overly expensive treatments
✅ Common in Medicare Advantage & private plans

❓How Do You Know If You Need Prior Authorization?

Not sure if a procedure, test, or prescription needs pre-approval? Here’s how to check:

✅ Look in your plan’s Summary of Benefits or EOC
✅ Call your insurance or Medicare plan
✅ Log into your member portal
✅ Ask your doctor’s office—they often submit it for you

🎯 When in doubt, always check first—or you could end up paying out of pocket. Need help reviewing your plan? We’re just a message away! 💬

07/30/2025

INSURANCE INSIGHTS

❓What is a frequency limitation?

A frequency limitation, sometimes called a type of annual limit, is a rule in health, dental, or vision insurance that restricts how often a specific service is covered—usually once within a set time period, like once per calendar year or once every 12 months.

🦷 Example: If your dental plan covers one cleaning every 6 months, that’s a frequency limitation.

Some plans require you to wait the full time period before receiving the service again, while others allow you to receive it once within that time frame, regardless of the exact date.

🚦 Example: One plan may require exactly 365 days between annual checkups, while another allows one per calendar year (e.g., Jan–Dec), even if appointments are just months apart.

📞 Not sure how your plan handles these details? We’re here to help you make sense of it all!

07/23/2025

INSURANCE INSIGHTS

❓What is a Premium?

A premium is the monthly payment you make to Medicare, an insurance company, or a health plan to keep your health or prescription drug coverage active.

Think of it like a subscription—just like Netflix, but for your healthcare!

Even if you don’t use your benefits every month, keeping up with your premium ensures your coverage is there when you do need it.

Questions about your Medicare or insurance premiums? We’re just a a phone call away!

07/16/2025

🌟 When it comes to picking the right insurance policy, failure is not an option! Let us guide you to make sure you're covered. We’re here for you! 💪💼

07/09/2025

INSURANCE INSIGHTS

❓What is a Copayment?

A copayment (or copay) is a fixed dollar amount you pay for a covered service—after you've met your deductible. It's your share of the cost when you visit the doctor, fill a prescription, or get medical care.

👉 Example: If your plan says you have a $20 copay for a doctor visit, that’s what you pay at the appointment—no surprises.

Copays are one way insurance helps split costs, so you’re not stuck with the full bill. Want help understanding how your plan handles copays, deductibles, and more? We’re here to help!

07/04/2025

Wishing You a Safe and Happy 4th of July!

On July 4, 1776, a group of bold visionaries came together to declare something extraordinary: that a nation could be built on liberty, equality, and shared hope.

Today, as we celebrate Independence Day, we’re reminded that those values live on—in every act of kindness, in every movement to enrich our democracy, and in every community that comes together to uplift and support one another.

We're honored to be part of your journey, helping you safeguard the people and things you care about most.

We wish you a joyful, safe, and meaningful 4th of July! 🎆

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Bloomington, MN
55420

Website

http://www.mnhealthagents.com/

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