Medicare Supplement Plans – Good Companies with Great Options

November 26, 2014 Posted by admin

imagecontentmedicareMedicare Supplement Plans are being purchased by droves of Seniors who are turning 65 and enrolling in Medicare for the first time. This is mostly due to the great financial health of the companies offering these policies, fabulous customer service, and affordable Medicare Supplement Plan prices. While many different companies offer the same exact Medicare supplement plans and benefits, many people appreciate quality and know the strong brand name strong companies. Aetna Medicare supplement plans are highly desirable because Aetna has an “A” rating by A.M. Best, which is a well known rating agency. This is a fine demonstration of financial health and all but ensures Aetna will be providing great service for years to come. Aetna has a strong brand and many seniors have had an Aetna health insurance policy at some point throughout their career and are familiar with the company. In addition, most doctors like working with Aetna as they are a top rated company with great medical provider support. One of the most important factors to consider when purchasing a Medicare Supplement Plan is the customer service provided by the insurance company. Aetna Medicare supplement plans have great customer service, which is important because almost all seniors will discover they will have billing issues at some point. As we age it is important to make sure we purchase quality insurance to alleviate stress and eliminate financial burden. Doctors offices often make mistakes and it is important to carry a quality Medicare supplement insurance policy that will pay the bills on time, and with no hassle! Aetna Medicare Supplement plans are offered in many states, and most people find them to be a very affordable option. In addition, while some companies may provide “teaser” rates that increase dramatically after a few years, Aetna’s prices hold steady and only increase slightly to keep up with inflation. This is one of the reasons Aetna has a high customer satisfaction rate and why thousands of seniors are very happy with their decision to purchase an Aetna Medicare Supplement plan.

Medicare Supplement plans are standardized by the Center for Medicare Services. Aetna offers only standardized plans to Seniors over the age of 65. When choosing the best Medicare Supplement Plan, make sure to consider Plan F as it is the most comprehensive and most popular plan available. Seniors who purchase Medicare Supplemental Plan F rarely pay for any medical expenses and have peace of mind knowing they have the best coverage money can buy. Aetna is one of many companies that offer Medicare Supplement plans. It is very important to consult an insurance broker that carriers every company before purchasing a policy as Medicare plans are changing all the time and their expert advice is free. Please do not hesitate to contact a specialist or national insurance broker if you would like to compare all Medicare plans and prices.

How To Become Financially Wealthy In The Insurance Industry!

November 25, 2014 Posted by admin

When I started out selling in insurance, I never dreamed I would get to the level of income that I enjoy today. As in most professional sales careers, when you perfect your sales and prospecting techniques, your ability to earn a great living will follow. But, even then, you are still far from the peak of the mountain top in income potential.

In order to obtain income levels far beyond what most agents ever dream of, you must understand the power of leverage. “Leverage” is the way most MGA’s, IMO’s, FMO’s and NMO’s in the industry earn millions per year instead of thousands per year like most agents. With personal sales alone, there are only so many hours per week that are available to make sales. Not to mention the many other things that competes for your time like family, friends, church, leisure, etc. You create “Leverage” by maximizing your income opportunities through the efforts of others as well as your own. Only then can you free yourself from the limits you can earn from personal sales, because of your limited time available.

The traditional growth path for most agents who eventually become MGA’s, IMO’s, etc, has been to learn and perfect their sales and prospecting techniques over time, then take the next step to position themselves to earn additional income from teaching other newer agents what they have already learned. However, getting to the point of qualifying for an MGA or other marketing type contracts for multiple carriers can take years to accomplish. In addition, the start up overhead expenses and required resources can be very costly.


What Does Medicare Cover

November 24, 2014 Posted by admin

Medicare is really a social health care insurance plan managed by the Federal Government in order to aid the health expenses of the senior citizens of the United States of America (65+). Regarding men and women under 65 years old, individuals with permanent impairments and renal malfunction, who require dialysis etc, can certainly enrol for Medicare also.

Medicare insurance coverage primarily is dependent on the Part of Medicare that an individual signs up for. 90 days prior to a person’s 65th birthday, a person gets a Medicare card, which verifies that an individual has Medicare health insurance. After turning 65, an individual automatically will become eligible for Medicare. Yet, s/he has to sign up for Medicare in the open enrollment period, which is right from November 15th until December 31st. On signing up for Medicare one gets direct access to Medicare Part A (Hospital Insurance), which is free, that means zero monthly premiums to be paid. Anyone who is entitled to Part A by default will become entitled to Part B (Medical Insurance) too. Yet, if s/he already receives social security, Medicare Part B might not be essential, it could be opted out of by following instructions on the Medicare card. .

Medicare includes four classifications, if someone owns one or maybe a combination of all of these, s/he will get the following insurance coverage for every Part.


Lets Talk Medicare

November 24, 2014 Posted by admin

We recently had a big scare when we thought Medicare payments to Doctors and Hospitals would be cut. It didnt happen this time, but what can we do to make sure it doesnt happen next time?

First, we have to keep Medicare in place. Our senior citizens, of which I am one, have spent all of their years planning, on the Governments promise, that Medicare will be in place when they reach sixty-five. Our health care planning is all predicated on having Medicare cover our basic health care in our retirement years.

Second, we must find a way to bring more young Doctors into the practice of primary care. I am fortunate enough to have a young Doctor for my primary care physician, however, I worry that he may quit his practice before I pass on. In talking to my young Doctor, he tells me that he no longer takes Medicare patients because the pay per visit is low and the paperwork is very burdensome (he has to spend two to three hours every night completing Medicare paperwork after he closes the office). This additional work is over and above the records he maintains on me for his use to know what problems I have and the changes my health has taken. While I know that there is a lot of Medicare fraud going on we must find a way to reduce the paperwork required by our hard working and honest physicians. I spent all my working years in the accounting field and I know there is a need for record keeping. However, there is a point of diminishing return and I cant help but think we are way past that with the current requirements. I believe it is time to do away with some of the bureaucrats.


What Are Durable Medical Equipment And Medicare

November 22, 2014 Posted by admin

In US many people use the facility of Medicare to get better health. Medicare is an insurance system what is funded by the government and for the people who are over 65 suffer by many complicated diseases or physical problems. This Medicare system will provide you reasonable health care as also as some cost of durable medical equipment. A person who has like kidney problem and disabled for that will get treatment cost and also durable medical equipment cost.

You can find different kinds of Medicare system what are divided by different issues. Such as one part A of Medicare will provide you the hospital cost and another part B of Medicare will provide your durable medical equipment supplies. So if you want to get home medical equipment you have to get a Medicare policy. If you get benefits of part B, you will get the cost of your durable medical equipment.

Different types of home medical equipments are covered by the durable medical equipment. You can get wheelchairs; hospital bed, oxygen tent and some other equipment are under this. You can see the difference between most of the equipments so to get benefit from Medicare you have to satisfy some requirements. If you want a mobility scooter your home must have the facility to use it then you will get the cost from Medicare.