For medical plans (excluding Medicare) international coverage is limited to life threatening emergency care ONLY?
The Medicare Supplement covers only Foreign Travel Emergency, subject to a $250 deductible and 80% payment to a lifetime maximum benefit of $50,000?
URGENT CONDITION EXAMPLES—not covered
EMERGENCY CONDITION EXAMPLES –covered
Emergency Care is any otherwise covered service for an acute illness, a new injury or an unforeseen deterioration or complication of an existing illness, injury or condition already known to the person or, if a minor, to the minor’s parent or guardian that a reasonable person with an average knowledge of health and medicine (a prudent layperson), would seek if he or she was having serious symptoms (including symptoms of Severe Mental Illness and Serious Emotional Disturbances of a Child), and believed that without immediate treatment, any of the following would occur.
Emergency Care will also include additional screening, examination and evaluation by a Physician (or other health care provider acting within the scope of his or her license) to determine if a psychiatric emergency medical condition exists, and the care and treatment necessary to relieve or eliminate such condition, within the capability of the facility.
Also, we wanted you to be aware of the following:
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Why do you need Long Term Care Insurance?
We have two types of Long Term Care (LTC) insurance to consider.
State Life LTC — $50,000 single payment (minimum amount required).
Here are your options: Do nothing = self-insure— You have control of this money.
What exactly is long-term care insurance?
Long-term care insurance is not medical insurance. Long-term care insurance provides funds to protect your retirement income, assets, and family savings in the event you need assistance because of a chronic condition.
Long-term care is often provided in the home, but can also be provided in a residential or assisted-living facility or nursing home. This care is expensive and having a source of funds to provide these services takes a huge burden off your retirement savings and from your family members. It also keeps you firmly in control of your life and gives you many more options of where and from whom you will receive care.
Providing for these services is a critical part of retirement planning and will allow you to use your retirement income to enjoy a quality lifestyle. It will also preserve your assets for yourself and your family.
I have plenty of assets saved for retirement. Why do I need this?
It is excellent that you have saved and planned for your retirement. To ensure you are able to use these funds to enjoy a qualify life style, you should protect your hard earned retirement income from the risk of a long-term care event. As a planner, you will appreciate that the coverage can be purchased at a huge discount compared to the benefit dollars available when you are likely to need care.
How much does it cost for long-term care coverage?
The cost of an insurance policy will vary depending on the specific services covered, the daily benefit and the length of time the policy will cover. There is great flexibility to design a program that will suit your personal situation. And, the premiums can be tax-deductible in certain circumstances.
How do I obtain long-term care insurance?
Our agency can provide you with this coverage. We will contact you to determine your specific needs with a brief telephone consultation. From the facts we gather, we will obtain quotes for several different products tailored to your situation and will make an appointment with you to review your options. These products do require that you provide medical information to qualify for the programs, and we can help you find the program that will best help you meet your personal and financial goals.
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Please fill out the form below and we will contact you soon to complete your quote request. We look forward to assisting you with your supplemental health insurance needs!
Please fill out the form below and we will contact you soon to complete your quote request. We look forward to assisting you with your supplemental health insurance needs!
Please fill out the form below and we will contact you soon to complete your quote request. We look forward to assisting you with your supplemental health insurance needs!
Please fill out the form below and we will contact you soon to complete your quote request. We look forward to assisting you with your supplemental health insurance needs!
Medicare Part D adds prescription drug coverage to Original Medicare and is offered through private insurance companies that are contracted and approved by Medicare.
Premiums can vary greatly between the numerous options and carriers, therefore it’s necessary to carefully weigh your prescription costs against all variables of these plans. Selecting the wrong plan can wind up costing you thousands.
Medicare Advantage Plans may also offer prescription drug coverage that follows the same rules as Medicare Prescription Drug Plans.
We are familiar with many of the quality carriers who offer Part D plans and can help you select a carrier/plan for your needs and budget.
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Fill out the form below to request an assessment of available Medicare health plans at no cost to you. We will contact shortly to begin the process of evaluating your unique needs, providing top personal service and quality solutions. We look forward to hearing from you!
Medicare Supplement Insurance policies complement your Original Medicare Parts A and B. They cover some, if not all, of the expenses that Part A and B do not cover, like co-pays, deductibles and other charges.
There are many different types of Medicare Supplement policies available, yet they are regulated so the benefits for these various policies (known as Plan A through N), are all the same regardless of the carrier. However, premiums can vary greatly among carriers.
Ultimately, the best Supplement Plan is one that is purchased from a quality carrier, has a low premium and leaves you with the least or no out of pocket expenses.
We are familiar with many of the quality carriers who offer Medicare Supplements and can help you select a carrier/plan for your needs and budget.
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Fill out the form below to request an assessment of available Medicare health plans at no cost to you. We will contact shortly to begin the process of evaluating your unique needs, providing top personal service and quality solutions. We look forward to hearing from you!
Medicare Advantage Plans are offered by private carriers and replace your original Medicare Parts A and B, as they are rolled into one plan.
Much like regular insurance, you can select different plan types, such as a Health Maintenance Organization (HMO), or a Preferred Provider Organization (PPO), or a Medicare Medical Savings Account Plan. Premiums will vary, based on coverage, carrier and geographical location.
We are familiar with many of the quality carriers who offer Medicare Advantage and can help you select a carrier/plan for your needs and budget.
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Fill out the form below to request an assessment of available Medicare health plans at no cost to you. We will contact shortly to begin the process of evaluating your unique needs, providing top personal service and quality solutions. We look forward to hearing from you!
To sign up for Medicare Parts A & B, most will have a 7 month period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.
Annually, if you wish change to a Medicare Advantage Plan or buy a Part D Plan, you must do so during the ANNUAL OPEN ENROLLMENT period which begins October 15th and goes through December 7th of each year. When open enrollment is closed, there are special circumstances in which one may qualify to enroll outside of the enrollment period. Listed below are the qualifying events for the special enrollment period:
Medicare is complex. We suggest you call our office for more information.
Medicare is the federal health insurance program for people who are 65 or older. The different parts of Medicare help cover specific services:
To sign up for original Medicare Parts A & B, along with Part D, most people will have an Initial Enrollment Period which is a 7 month period around the time they turn age 65. This period begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.
Once your Initial Enrollment Period is over, if you wish to change or purchase Advantage or Part D Plans, you must act during the open enrollment period.
