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Medicare Advantage Plans

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What is a Medicare Advantage Plan?

Medicare Advantage Plans (MAPD’s) are medical plans offered by private insurance companies for those who
are enrolled in Medicare Parts A and B. MAPD’s provide coverage for Medicare Part A (Hospitalization), Part B (Medical Insurance) and prescription coverage. 

 Most plans include other types of coverage such as dental, vision and healthy-lifestyle programs.

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Why purchase a Medicare Advantage Plan?

MAPD’s are the lowest-cost medical programs for those on Medicare. Some plans have a $0 monthly premium.

With hospital, medical and prescriptions all rolled into one plan, MAPD’s provide seniors an all-in-one solution for their health insurance needs.

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Medicare Supplement Plans

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What is a Medicare Supplement?

Original Medicare, Part A (Hosptialization) and Part B (medical), cover many health care services and supplies, but not all of them. Medicare Supplements, commonly called “Medigap Plans,” offer coverage to fill in some of the gaps in Original Medicare, such as deductibles and copays. 

Medicare Supplements are standardized plans offered by private insurance companies.

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Why purchase a Medicare Supplement?

Though Medicare Supplement plans are more expensive than Medicare Advantage plans, they typically provide more comprehensive Part A and Part B coverage. Some plans even cover the costs for those providers or facilities that choose not to accept assignment with Medicare.

Assignment means a medical provider or facility agrees to accept Medicare-approved amounts as full payment for services provided.

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Medical Cost Sharing Plans

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What is a Medical Cost Sharing Plan?

Medical cost sharing programs are different from traditional insurance plans. With cost sharing plans, the members share each others medical expenses. Because a medical cost share plan is not health insurance, these types of plans do not have to comply with the Affordable Care Act.

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Why purchase a Medical Cost Share policy?

Most people buy Medical Cost Share plans because they cost much less than Affordable Care Act plans. But these plans aren’t for everyone. If you frequently use your medical plan or have chronic health issues, Medical Cost Share plans might not make sense.

If you need a more affordable plan but you’re not sure if a Medical Cost Share plan is right for you, request a quote and a representative will help you to weigh out your options.

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Indemnity Health Insurance Plans

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What is a health insurance Indemnity Plan?

Indemnity plans are based on a fee-for-service schedule. What this means is after you have met your deductible, you pay a determined amount of any medical expense you incur and the insurance company pays their portion. There are no provider networks with these plans, so you can go to a doctor or hospital or your choice. With some Indemnity plans, you can get discounted services for seeing providers in a particular network. Because the insurance company only pays a certain amount of each incurred medical expense, you could be balance-billed for amounts not paid under the plan. GET A QUOTE NOW!

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Why purchase an Indemnity plan?

Just like Medical Cost Share plans, people choose Indemnity health plans because they are much less expensive than ACA plans. People who typically purchase health insurance Indemnity plans includes those who are very health and tend not to use their medical plan very often, those between jobs, and people in their early 60’s that are looking for lower premiums for the last few years before going onto a Medicare plan at age 65.

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Critical Illness Insurance

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What is Critical Illness insurance?

Critical Illness insurance policies pay out a lump sum of cash to the policyholder when diagnosed with a serious medical condition, such as cancer, heart attack, or stroke. Some Critical Illness policies will even reset the lump sum payment after a specified period of time has passed since the initial claim.

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Why purchase a Critical Insurance plan?

Critical Illnesses such as heart attacks, stroke, kidney failure and cancer are very prevalent in the U.S. The causes could be your choice of life style, or it could be your family genetics. Regardless, your open window of opportunity to purchase a Critical Illness insurance plan is when you’re healthy and insurable.

The most important aspect of having a Critical Illness policy is that it pays a large lump sum of money when first diagnosed, so the policyholder can cover expenses such as:

* Medical plan deductibles and coinsurances
* Lost income from missed work
* Every day expenses such as mortgage / rent, utilities, daycare, etc.
* Travel and lodging for yourself and family members when you have to travel long distances for treatment
* Experimental treatments not covered by your medical plan

Even if you have been treated in the past for a Critical Illness, you may still qualify for coverage.

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Term Life Insurance

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What is term
Life Insurance?

Term life insurance is a life insurance policy that provides coverage at a fixed premium for a set period of time, such as 10, 20 or 30 years. If you pass away during the term coverage period, your beneficiary will receive the life insurance proceeds. If you outlive the term coverage period, your coverage stops and you would need to purchase a new policy if you still want life insurance.

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Why purchase Term Life Insurance?

Term life insurance is much less expensive than other types of insurance, such as whole life and universal life. People commonly purchase term life insurance for:

* Family income protection in the event that the income-maker of the household were to pass away
* Use as mortgage insurance – to pay off a mortgage if the income-maker were to pass away
* To provide money as a gift to family members or for charitable purposes

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Acci-Flex

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What is Acci-Flex?

Acci-Flex is an Accidental Death Benefit life insurance policy that pays only if death is a result of an accident. This type of life insurance policy costs less than term insurance, with the cost of a $250,000 policy costing less than $1 a day for most people.

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Why purchase Acci-Flex?

Reasons why people purchase Acci-Flex:

* Life insurance coverage for those with careers where death by accident can occur, such as construction
* Low-cost insurance option. You can get a lot of insurance at a very low price
* Mortgage protection – pay off a mortgage when the insured dies from an unexpected accident

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Individual Disability Insurance

disability insurance

What is Disability Insurance?

Disability insurance is a type of insurance that pays a portion of the insured’s income in the event of an accident or illness that results in the insured not being able to return to work. VIEW PDF TO LEARN MORE

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Why purchase a Disability plan?

* Most people don’t have adequate savings to cover the loss of income. * Disability plans can help cover medical costs associated with the disability. * Disability coverage can help small business owners cover business overhead expenses. VIEW PDF TO LEARN MORE

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