Our Products
An educated consumer is our best client. Explained below are descriptions of some of our most popular products. Having a good understanding of what’s available can be the difference between getting the care you need and also saving you thousands in the long term.
MEDICARE
SUPPLEMENT
Do you want a plan with no network restrictions and no copays?
A Medicare supplement or Medigap insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles.
Some Medicare supplement or Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medicare supplement or Medigap policy, Medicare will pay its share of the Medicare approved amount for covered health care costs. Then your Medigap policy pays its share. A Medicare supplement or Medigap policy is different from a Medicare Advantage Plan. Medicare supplements “supplement” Original Medicare whereas Medicare Advantage plans “replace” Original Medicare.
MEDICARE ADVANTAGE
Are you looking for a low-costing plan to help pay for what Original Medicare does not cover?
A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you’re enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.
The basic fundamentals of these plans are that you will have a network that you’re restriced to, copays for most services provided, in most cases plans will include prescription drug coverage, and depending on the area and the specific plan are typically lesser costing than a supplement. Depending on the company and the plan, some networks are larger than others
PRESCRIPTION
DRUG PLAN
Do you have a Medicare supplement and need prescription drug coverage? Did you know if you don’t sign up for a PDP (prescription drug plan) when first eligible, you could be penalized by Medicare?
Medicare Prescription Drug Plans are private insurance plans that cover some of the costs of prescription drugs for people with Medicare. Medicare drug plans are also called Medicare Part D or PDP plans. There is no single Medicare prescription drug plan. There are a variety of plans, with different costs and benefits. All plans must be approved by Medicare.
Private insurance companies that offer Medicare drug plans get subsidies from the federal government to help cover their costs. People who join prescription drug plans also share in the costs. Drug plan members pay monthly premiums, possibly annual deductibles, coinsurance/copayments, and possibly a coverage gap. People with limited income and resources can get Extra Help to pay some or all of these costs.
Some Medicare Advantage Plans include prescription drug coverage within the plan while others do not. If you are looking at Medicare supplement or Medigap insurance, you will want to consider picking up a stand alone Medicare Prescription Drug Plan.
SPECIALTY PLANS
Many health policies have “holes” in them that can leave you left with thousands in out of pocket expenses. Why pay huge premiums just to lower those costs? Instead pick up a low-costing specialty product that will cover you specifically for what concerns you. Most hospitalizations are due to cancer, strokes, heart attacks or an accident. Get coverage specifically for that and you could save yourself thousands.
CASH HOSPITAL PLAN
Do you have a Medicare Advantage plan with lots of copays?
Most medical plans have out of pocket expenses associated with them. Some Advantage plans have as much as a $10,000/year max out of pocket! A hospital indemnity or cash hospital plan is a great way to protect yourself from those surprises.
Protect your savings from unexpected expenses.
Your hard-earned savings could be at risk because of an accident or illness you have no way of predicting or preventing. A hospital indemnity plan is insurance that pays cash to you, or your designee, when you’re sick or injured and need medical attention.
Why choose a Cash Hospital Plan?
This hospital insurance offers several advantages:
Help with healthcare costs – Even if you already have an advantage plan, this plan pays you cash that can be used to cover your many out of pocket expense.
It is designed to fill some of the co-pays, deductibles or coverage gaps you would be responsible for should you need care. Cash Hospital Plans can provide you with a cash benefit of up to $600 per day based on the base plan you choose. It can also provide benefits for ambulance trips, durable medical equipment, skilled nursing care, and even accidental death and dismemberment, all instances where your current health insurance plan may have deductibles or co-payments.
With a Cash Hospital Plan, you’ll have peace of mind knowing that your health insurance co-pays, deductibles and coverage limits won’t surprise you after an illness or accident.
Dental, Vision, Hearing
Are you aware that the average cost for a root canal with a crown in the U.S. is as much as $2000?
Dental insurance is a type of health insurance designed to pay a portion of the costs associated with dental care. There are several different types of individual, family, or group dental insurance plans grouped into three primary categories: Indemnity (or sometimes called true dental insurance) which allows you to see any dentist you want who accepts insurance, Preferred Provider Network dental plans (PPO), and dental Health Managed Organizations (DHMO) in which you are assigned to an in-network dentist or in-network dental office and must stay within that network to receive your dental benefits. Most of our plans are indemnity plans (true dental insurance).
Since Original Medicare does not include preventative vision, hearing, or dental benefits, consumers who enroll into a Medicare Supplement policy will usually also consider a dental, vision, hearing indemnity policy to help cover some of those costs.
ACCIDENTAL MEDICAL EXPENSE
Worried about the large deductible with your current health plan?
According to the 2011 National Health Interview Survey, 37.9 million Americans are hospitalized due to an accident each year. The Accident Medical Expense benefit helps to cover the expenses related to an accident (up to $10,000 per occurrence with only a small deductible). If you have other insurance, the Accident Medical Expense benefit will pay your deductible, co-insurance and even copays up to the benefit limit selected in your plan. The Accident Medical Expense plans through Insurance Brokers Direct pays for the usual and customary expenses for medically necessary covered medical services resulting from an accident.
CANCER, HEART, STROKE
Are you aware that over 90% of hospital admissions are a result from either cancer, a stroke or heart attack?
Did you know 61% of costs associated with cancer are non-medical, indirect costs?
Many Americas will have to face a critical illness in their lifetime. According to the American Cancer Society’s 2009 Cancer Facts and Figures report, men in the U.S. have about a 1 in 2 lifetime risk of developing cancer, and for U.S. women, about a 1 in 3 risk.
Critical illness insurance helps give them a way to pay for it. The bottom line is people may need critical illness insurance. Given the potential financial consequences involved with diagnosis of life-threatening cancer, having a heart attack or suffering kidney failure, you would likely want to protect yourself and your family from that impact.
If you were diagnosed with cancer or suffered a heart attack or a stroke, the last thing you would want to worry about is your finances. Cancer, Heart Attack and Stroke coverage can help you receive the financial peace of mind that allows you to focus on what really matters most — your recovery.
Affordable, Flexible, Simple
Cancer/Heart/Stroke protection
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Was designed to pay cash benefits directly to you and pays regardless of any other insurance coverage you may have should you or a covered family member be diagnosed with cancer, suffer a heart attack or have a stroke.Receive a lump-sum cash benefit when you need it most — upon diagnosis of life-threatening cancer, heart attack or stroke
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Choose from $10,000 to $75,000 in coverage
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Use the cash benefits any way you choose, from replacing lost income, paying for alternative or experimental treatments not covered by traditional insurance, compensate for lost wages at work or even making your mortgage payments
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Plan pays in addition to any other coverage you may have
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Plan pays benefits per covered person and per occurance, i.e. if you suffer from both a heart attack and cancer, you’ll receive twice the face amount
If you would like more information on these specialty plans or would like recommendations as to what care and treatment you’d need, then we’d be happy to set you up with a specialist, who can attend to your needs. Please click on the button below, and write us a message that indicates you’d like to speak with one of our consultants.
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