It is quite common for new carriers to enter the Medicare supplement marketplace every year. One of the newest entrants is Assured Life. These plans are underwritten by Mutual of Omaha. The monthly premiums are very competitive in the states where they currently offer coverage. Arizona and Ohio residents over age 65 will find their rates …
December 14, 2009
Category: Medicare Supplements
September is life insurance awareness month, thus we will do our part to discuss the overall benefits of these products. When compared to other financial instruments, life insurance policies have several unique and attractive attributes. Policies will come in many shapes and sizes with several options for the insured, but it may be most important to simply …
September 18, 2009
Category: Life Insurance, Retirement Planning
As an insurance professional in Ohio, I am asked this question quite a bit from prospective clients. The simple answer is: it depends. There are certain companies that offer more affordable health insurance in certain areas and to certain age groups. With the advent of healthcare reform, there are several other variable that come into play, …
September 9, 2009
Category: Health Insurance
In an overall effort to insure more Americans, “pay or play” mandates appear to be a part of the Obama administrations health care reform efforts. While this legislation is still in its infancy, it is moving quickly as Congress attempts to draft a bill before summer recess. Mandates already exist in the State of Massachusetts, …
July 8, 2009
Category: Group Health Insurance
Behind closed doors members of Congress are hammering out plans to change the shape of the current health care system. Details are still somewhat scarce, but House and Senate member are determined to have a bill put together by the middle of the summer and actual reform by year end. Outlined below are changes that …
May 18, 2009
Category: Health Care Reform, Op/Ed
Online shoppers want to know where the best websites offering instant health insurance quotes from several well rated carriers can be found. You can find them with us. In response to consumer demand, we have developed an insurance agency that operates in two worlds; the real and the virtual. Shoppers can explore plans with or without our …
May 4, 2009
Category: Health Insurance
Ohio has passed legislation allowing for partnership policies to encourage the purchase long term care insurance (LTCi). Only a few insurance companies offer these plans, but not all LTCi policies offered today are partnership qualified. By owning a qualified plan, insureds can be eligible for Medicaid benefits through the state without depleting all of their [...]
April 23, 2009
Category: Long Term Care Insurance, Retirement Planning
Health care reform is coming and possibly soon. President Obama promised changes to the health care system during his run to office and has quickly taken measures to deliver on those promises. While several questions remain as to what these changes might entail, he has pledged to insure more Americans under a universal system. It …
March 26, 2009
Category: Health Insurance, Op/Ed
We work with prospective clients all across the country who need to purchase health insurance. Oftentimes, the client wishes to know why they should use a health insurance agent to complete the transaction. In other words, why shouldn’t they just buy direct from the company? There are several reasons to use an independent agent including price, …
March 24, 2009
Category: Health Insurance
There is good news for those who need stand alone dental and vision insurance. United Healthcare, through their subsidiary Golden Rule now offers dental and vision insurance in several states. Coverage is available for individuals and families from over 70,000 providers nationwide. There are several states offering coverage and in most places you will have [...]
March 17, 2009
Category: Dental & Vision Insurance
A bankruptcy judge recently approved Delphi Corporation’s reorganization and subsequent request to terminate life and health insurance benefits to many of its retired employees. Benefits could be lost as soon as April 1st for the affected retirees. Former salaried employees will need to explore all available options in order to maintain medical coverage. Medicare Supplement …
February 25, 2009
Category: Medicare Supplements
Medicare has many gaps and will not pay for all of your health care related claims. For this reason, many Medicare recipients purchase a supplemental plan to fill in all or the most common gaps. The chart below details ten standardized Medigap plans and explains the different available coverages. It is important to note that private …
February 10, 2009
Category: Medicare Supplements
This most recent downward economic spiral is negatively impacting the bottom line for many corporations. Companies both large and small are laying off employees at record levels in order to maintain profitability. Many businesses are simply looking for immediate ways to lower costs. A simple, yet effective solution is to purchase less expensive group health insurance coverage. Changing health insurance plans or switching …
February 3, 2009
Category: Group Health Insurance
As a life and health insurance agent with fifteen years of experience, I am still unsettled by the number of inquiries I get from prospective clients who I cannot help. Pregnant mothers looking for maternity insurance, consumers who need dental insurance because of a root canal, family members trying to purchase long term care insurance for …
January 21, 2009
Category: Health Insurance