Travel Health Plans

Did you know? 

1. For medical plans (excluding Medicare) international coverage is limited to life threatening emergency care ONLY?

2. The Medicare Supplement covers only Foreign Travel Emergency, subject to a $250 deductible and 80% payment to a lifetime maximum benefit of $50,000?

Examples of Urgent vs. Life-Threatening Emergency

URGENT CONDITION EXAMPLES—not covered

• Severe sprained and/or broken bones • Severe high fever
• Severe abdominal pain/nausea

EMERGENCY CONDITION EXAMPLES –covered

• Shortness of breath   • Excessive bleeding
• Severe pain to body functions, parts or organs
• Early/active labor

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.

PLAN HIGHLIGHTS

• Covers medical expenses for trips up to 180 days for ages up to 84 years old
• You can renew the policy once, for an additional 180 days, with no break in coverage.
• Pays 100% of covered expenses once the deductible has been met.
• You can choose between a variety of deductible and maximum benefit amounts.
• Covers pre-existing conditions for medical services and medical evacuation.
• Primary health insurance is required.

Also, we wanted you to be aware of the following:

• If you return earlier than expected, you can get a refund for unused days, as long as you provide proof that your trip ended early (such as a copy of your plane ticket stub.)
• You can extend coverage without incurring any pre-existing conditions exclusions, as long as you call GeoBlue prior to the policy’s cancellation date. At that point, GeoBlue will advise you over the phone how much additional premium will be required to extend your coverage and explain your payment options.

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GET QUOTE & PURCHASE POLICY FOR YOUR NEXT TRIP!

Click BUTTON below for quote.

Please note the following when obtaining your quote:

• Age – for the quote, make sure to enter the actual age for each person as of the departure date (there is a link/option to enter the date of birth)
• Enter all phone numbers without any formatting as shown in the example:  4445557777
• Complete all information with a red asterisk (*)– these are required items
• Click ‘Edit Plan’ to begin – when viewing the quote, make sure to click on the plan option/rate that you would like.  We recommend choosing the $1,000,000 coverage level and a $0 deductible.  Although you could choose a $500,000 coverage level and/or a deductible and be adequately insured, we recommend the best option highlighted above because the difference in premium is so small.
• Be sure to include your email address for instant delivery of the ID card and certificate once purchased.
• Continue to the payment section and enter your credit or debit card information.
• Please make sure all information is correct (agent number is: 91926)

Long Term Care Plans

Did you know that…630 in 900 people will need long-term care (LTC)—70%?

Why do you need Long Term Care Insurance?

• Secure living benefits to preserve and maintain the quality of your life.
• Protect your hard-earned assets and secure your retirement “nest egg”.
• For independence and choice regarding the type of care you would like to receive.

We have two types of Long Term Care (LTC) insurance to consider. 

1. The lump sum payment or annual payment for a LIFETIME Benefit
2. Traditional premium policy Maximum benefit is 6 Years

State Life LTC — $50,000 single payment (minimum amount required).

• Allocate a specific amount of cash to an insurance plan – money back guaranteed for the life of the policy
• Keep control of your money – 100% of principal available minus any withdrawals, loans, or benefits paid
• Death benefit is larger than the principal invested – tax free

Here are your options: Do nothing = self-insure— You have control of this money.

• Leverage your assets using the State Life insurance with a Long Term Care insurance rider.

More About Long-Term Care Insurance

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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Request a Customized Quote

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!

Request a Quote

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!

Request a Quote

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

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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REQUEST QUOTE

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 Supplements

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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REQUEST QUOTE

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

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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REQUEST QUOTE

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!

Signing Up For Medicare

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:

• You are turning 65
• You move to a new area that is not in your current plan’s service area
• Recently moved back to the US
• You lose your current coverage (either Group or Medicaid)
• You now need a SNP (Special Needs Plan) or you no longer need a SNP

  
  
  Medicare is complex. We suggest you call our office for more information.

About Medicare

Medicare is the federal health insurance program for people who are 65 or older. The different parts of Medicare help cover specific services:

• Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
• Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services. Most people will pay a standard Part B premium which varies depending on income.
• Medicare Advantage Plans (Part C) roll Part A & B into one plan and have several options that may provide more coverage than your original Medicare.
• Medicare Supplements work together with your original Medicare to cover things like your deductible, co-pays and other out-of-pocket expenses.
• Medicare Part D adds prescription drug coverage to your original Medicare.

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.