Friday, January 25, 2019

About Medicare Supplement Insurance

As owner of KK and B Financial Services for Seniors, Brad Liebe and his team offer advice to retirees and pre-retirees in Florida, Wisconsin, and California. Brad Liebe draws on an in-depth knowledge of Medicare and Medicare Supplement Insurance.

Medicare Parts A and B cover a diverse set of medical costs including inpatient care, outpatient visits, and durable medical equipment. Both require an annual deductible, which the patient must pay out-of-pocket before Medicare pays. In addition, Medicare subscribers must pay a percentage of approved costs as coinsurance or copayments.

Medicare Supplement Insurance, also known as Medigap, can help with these costs. A Medicare supplement policy can cover coinsurance and hospital costs, which Medicare Part A charges for each day that a patient is admitted. Supplement policies also cover the required Part B coinsurance or copayment, usually 20 percent of covered care.

In addition to these basic benefits, all Medigap policies cover three pints of blood transfusions and coinsurance for hospice or respite care. Some policies include additional coverage, such as Part A and Part B deductible coverage, skilled nursing coinsurance or copayment, and emergency coverage for foreign travel. 

All policies are available through private insurers and do not cover prescription drugs. For drug coverage, a subscriber must sign up for Medicare Part D.

Friday, August 10, 2018

Three Holes of Note at Copper River Country Club

As the owner of KK&B Financial Services for Seniors in Fort Myers, Florida, Brad Liebe offers financial consulting and estate planning services to senior citizens. In his spare time, he enjoys playing golf and boasts a handicap around 20. To improve his golf game, Brad Liebe plays at Copper River Country Club, where he is a member.

Located in Fresno, Copper River has evolved to become one of California’s premier country clubs. With the Sierra Nevada Mountains as a backdrop, the clubhouse overlooks vineyards. Designed by David W. Pfaff, the 18-hole, par-72 golf course opened for play in the spring of 1995.

Although available only to members, the golf course features water on half of its 18 holes. Almost every hole remains separated from the others, thanks to foliage or houses. The back nine works its way through the area’s foothills. Aspects to consider on some of the course’s holes include the following:

- Hole 1. This par-4 hole starts your round with a straight drive in order to avoid three fairway bunkers. Golfers should avoid the front bunker near the green.

- Hole 9. The top handicap hole of the course, this hole is a long par 4 that features a large lake on the right side. Golfers should take note that the green is slightly elevated.

- Hole 18. A tough way to end the round, this par-4 hole has water on one side and rough-covered grounds on the other.

Thursday, July 19, 2018

Signs That You Didn’t Set the Right Goals

The owner of KK&B Financial Services for Seniors, Brad Liebe offers life insurance, supplemental insurance, annuities, and many other products to seniors. In addition to his work as a financial services provider, Brad Liebe works as a motivational speaker for Rick Olson Seminars and talks about such topics as goal setting.

Below are several signs that the goals you’re working toward aren’t right:

They’re too easy
Goals that are too simple for you to complete will not keep you engaged for very long. The same is true of goals that are too difficult. Ideally, you want to set goals that require you to go slightly out of your comfort zone, while still being based on the skills, strengths, and resources that you already have.

They feel like a chore
Working toward a goal shouldn’t feel so unpleasant that it becomes a chore. Rather, good goals drive you to accomplish them. Sometimes goals feel unpleasant because you never really cared about them when you set them. Other times, goals become mundane after you’ve worked on them for a bit.

They’re not specific
Many people think their intentions are the same as their goals, but this isn’t the case. A goal is specific. It creates a measurable difference in your life and can help you hold yourself accountable if you don’t accomplish it. When a goal isn’t specific enough, you won’t know whether you’ve accomplished it or not.

Thursday, July 12, 2018

How Traditional and Asset-Based LTC Plans Differ

The owner of KK&B Financial Services, Brad Liebe helps seniors reach their retirement goals using numerous financial services. Through his business, Brad Liebe offers such products as asset-based and traditional long-term care (LTC) insurance.

Traditional LTC policies are simpler than asset-based LTC policies. They work like regular car or homeowner insurance in that the premium disappears if you don’t need the insurance. These types of policies do not build any value that can be passed down to heirs unless policyholders set up a return of premium feature when creating the LTC policy. This feature provides heirs with some value if the policy is never used.

Also known as hybrid policies, an asset-based LTC policy combines long term care support with a death benefit for heirs. These types of policies are usually more expensive than traditional LTC policies and have an up-front fee of from $50,000 to $100,000 per person. In most cases, funds for an asset-based LTC plan are typically taken from an existing asset, so it’s recommended that people have a net-worth of at least $750,000 to ensure they have enough assets to cover the cost of the plan.

Once an asset-based LTC is set up, policyholders can enjoy premiums that never increase, along with a death benefit that is paid out to a beneficiary when the policyholder passes. They can also cancel their policy and get their premium returned to them.

Sunday, June 24, 2018

A Brief Overview of Medicare Advantage Plans

A consultant, motivational speaker, and the owner of Florida-based KK&B Financial Services, Brad Liebe provides guidance on estate planning and other financial strategies. In addition, Brad Liebe helps clients understand their Medicare needs.

Medicare, designed for Americans aged 65 and older, provides health insurance subsidized by the federal government. The different elements of Medicare are divided into separate policies known as Part A and Part B. 

Medicare Part A covers hospital-related costs, while Part B covers preventive and outpatient costs. Many Medicare recipients deal only with these two parts. 

Another Medicare option, often known as Part C or Medicare Advantage, may be a suitable alternative for some Americans. Offered through private insurers, Medicare Advantage plans roll Parts A and B into one policy. 

Some insurers also include other benefits, such as dental coverage in Part C. Depending on the needs of the individual, Medicare Advantage plans can be simpler, cheaper, and more comprehensive than original Medicare plans. However, because Medicare Advantage plans are operated by private companies, networks of providers may be limited, and premium costs may be higher.

Sunday, June 17, 2018

How Golf Scoring Works

Motivational speaker Brad Liebe conducts seminars on strategic planning, management training, banquet speaking, and fund raising. As owner of KK and B Financial Services for Seniors, he also offers consulting services. Outside of work, Brad Liebe loves playing golf.

Golf is not just about swinging and striking the ball, it also involves understanding how the scoring works. Having the lowest score equates to winning the game. This is called the stroke play scoring format. The goal is to propel the ball into the hole with the fewest possible number of swings. Every swing counts as a stroke. The number of strokes used dictates the player’s score for that hole, and the number is cumulative for the game, depending on the number of holes.

When playing golf against an opponent, two other scoring formats may be used - match play and Stableford. In match play scoring, the number of strokes for each hole is compared to the opponent’s result. The one with the least number of strokes is the winner for that hole. At the end of the game, the player with the most hole victories is declared the winner.

The Stableford system uses the par rating, which is the expected number of strokes a golfer needs for a specific hole or the entire game. Each hole on the golf course corresponds to a rating. With par as the basis, the score is converted into points. The winner is determined by counting the total points, instead of the number of strokes. For more strokes under par for a particular hole, the higher the point score, and the goal is to have the highest number, rather than the lowest, at the end of the game.

Tuesday, May 29, 2018

Selecting the Right Deer Rifle

Brad Liebe, the owner of KK and B Financial Services for Seniors in Fort Myers, Florida, is an avid hunter and enjoys opening the deer hunting season with his father and son every year. Deer hunters like Brad Liebe must carefully select the firearm they will use to hunt deer.

Different deer hunters have different needs, depending on the ways they hunt. Those who use a tree stand or blind to get a great vantage point on open spaces should consider a heavier weapon with a high-magnification scope and flat-shooting, long-distance cartridge. This enables the hunter to take down a deer from any distance. Those using stands or blinds to hunt in wooded or brush-covered areas should favor a light, easy-to-aim rifle.

Those who do not use stands should focus even more on lightness. A rifle used for still-hunting or spot-and-stalk hunting, when most shots come within 150 yards and the physical demands of the trek are often high, should weigh seven pounds or less. This is especially true in spot-and-stalk hunting, in which the hunter might need to hike, crawl, or run with the weapon to secure a takedown.