Do You Need Medicare Supplement Insurance?

Not sure about which Medicare Supplement Plan is right for you?

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Medicare still has deductibles, co-pays, and co-insurance. Can you afford to pay these costs out of pocket?

Medicare supplement insurance pays for the things Medicare doesn’t. There are several plans to choose from, each with different rates and coverage levels.

Medicare Supplement Plan F, for example, covers 100% of remaining Medicare-approved expenses.

You pay nothing for:

  • co-pays
  • deductibles
  • co-insurance

However, it may make more since to get a Medicare Supplement Plan G!

Email me to discuss your family’s Medicare costs and how supplemental insurance can help.

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Click the button below to get a free online MEDICARE SUPPLEMENT quote, or give me a call at 618-233-0034.

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The Quality Care You Need with the Convenience Your Want

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Teladoc is a national network of U.S. board-certified physicians and pediatricians that lets you resolve your routine medical issues, on-demand 24/7, via phone or online video consultations from wherever you happen to be.

It’s healthcare on your terms – simple as that.

Contact me today to sign up your family for about .65 cents/day!

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CLICK HERE FOR TELADOC SUPPLEMENTAL QUOTE

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If Not You, Then Who?

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“Jesus said, ‘No procrastination. No backward looks. You can’t put God’s kingdom off till tomorrow. Seize the day.’” (Luke 9:62 MSG)

In Mark 10, a huge crowd was following Jesus as he left Jericho. A blind beggar named Bartimaeus was sitting beside the road as Jesus was going by. When Bartimaeus heard that Jesus was nearby, he began to shout, “Jesus, Son of David, have mercy on me!”

When Bartimaeus got up that morning, he had no idea that Jesus Christ was going to be passing by him that day. He thought it was just another ordinary day: same place, same cry for help, same miserable, lonely, pitiful lifestyle. He had no time to prepare for Jesus; it was just an opportunity that was dropped in his lap. He had to seize the moment!

He said, “I’m not going to miss this one. I’m going to take advantage of this opportunity! Jesus is coming by my place right now. I’m not going to delay. I’m not going to procrastinate. I’m going to do this now.”

That’s the first key to a fresh start in your life: Whatever you’re going to do, do it now. Don’t say, “Next year I’m going to make a fresh start. Next month I’m going to maIf not whoke a fresh start. Tomorrow I’m going to make a fresh start.” It’s now or never. Seize the moment!

Every day, there are opportunities all around you for a fresh start, but you don’t take
advantage of them. Why? One word: procrastination.

Procrastination is a strange phenomenon. We think it will make our lives easier; we think it will make our lives more present when actually it just creates more stress. The truth is, you already know the right things to do and the benefits of doing the right things in life. So why don’t you do them?

The Bible warns us over and over about presuming upon tomorrow. I’m not guaranteed a tomorrow, and neither are you. Jesus said, “No procrastination. No backward looks. You can’t put God’s kingdom off till tomorrow. Seize the day” (Luke 9:62 MSG).

You have no guarantee that you will live tomorrow. Whatever you’re going to do, you better do it now.

Opportunity Is Here!

What is voluntary insurance – and why do employees need it?

imageA whirlwind of changes to the way health insurance in the United States is purchased and delivered has more Americans focused on cost and coverage than ever before. Suddenly, major medical insurance isn’t just a nice-to-have: It’s a must, much like auto and homeowners insurance are musts for those of us who drive cars or own homes.

Health care reform has turned workers’ attention to their personal health care situations. They’re also looking closely at their insurance coverage to identify gaps that might leave them vulnerable to medical expenses they’re ill-equipped to pay. Enter voluntary insurance, a type of coverage that’s not required or mandated, with enrollment that’s completely optional – which is why it’s known as “voluntary.”

WHY VOLUNTARY?

Voluntary insurance works hand in hand with major medical plans to help ensure individuals who are sick or hurt have the funds needed to pay health-related costs their primary insurance might not cover, as well as other out-of-pocket costs. After all, when a medical event occurs, there are deductibles, copayments and treatment costs that may not be covered to consider – not to mention the bills that continue to roll in even if an individual is too ill or injured to work.

According to the 2015 Aflac WorkForces Report,  52 percent of today’s workers have less than $1,000 on hand to pay out-of-pocket medical expenses, and 67 percent at least somewhat agree they would not be able to adjust to the financial costs associated with a serious injury or illness.

Perhaps that’s why so many are open to voluntary insurance: 70 percent of workers who don’t currently have access to voluntary insurance through their companies say they’d be at least somewhat likely to purchase them if their employers made them available.

Contact me for more information.

Here are several reasons employers should seriously consider offering voluntary options:

1. Voluntary insurance can help provide employees with financial safety nets that keep their minds on their jobs and not on money concerns. That’s especially important given that employees who participated in the 2015 Aflac WorkForces Report said personal financial issues are among the top non-work-related issues that distract them while they’re on the job.

2. Voluntary insurance pays cash benefits workers can use to help pay unexpected health care costs that might not be covered by major medical insurance or to help pay bills that threaten their financial security.

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3. Voluntary insurance pays cash benefits regardless of any other insurance coverage employees have in place, including policies available through government health care exchanges.

4. Employees who are offered and enrolled in voluntary insurance policies, report increased job satisfaction and believe they’re more financially prepared to cope with unexpected out-of-pocket medical expenses. A win-win scenario.

With so much uncertainty swirling around benefits and options in the wake of reform, developing a plan to manage health care-related costs can be overwhelming for both employers and workers. Voluntary insurance options are a double win:

  • They can soften the blow of rising out-of-pocket costs for workers and, because premiums are employee-paid.
  • They can be made available at no direct cost to companies.

Contact me for more information.

3 Reasons You Think You Don’t Need Disability Insurance

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Most people, if asked, are hard pressed to explain what disability insurance really is. It’s actually pretty simple to define: Disability insurance protects your paycheck.

If you become injured or ill and can’t work, disability insurance pays you a portion of your salary until you can return to work. A recent survey found that most people couldn’t make it a month without their paycheck before financial difficulties would set in. So, it’s easy to see how important disability insurance is.

“That’s all fine and well,” you say, “but here’s why I don’t need it.”

Reason #1: “I’m young and healthy. A disability will never happen to me.”

Truth: You actually have a three in 10 chance of suffering a disability that keeps you out of work for 90 days or more at some point during your career, according to a Life Happens survey. You just don’t know which side of that statistic you’ll be on.

Reason #2: “I could rely on government benefits.”

Truth: Most long-term disabilities are a result of an injury or illness that is not work-related, and so wouldn’t qualify forWorkers Compensation. And if you’re counting on Social Security disability benefits, those pay an average of $1,100 a month, which would leave you living right around the poverty level.

Reason #3: “I have disability coverage through work.”

Truth: You may, but it’s more than likely you don’t. Most (70%) private employers don’t offer long-term disability insurance, according to the U.S. Department of Labor.

The bottom line is this: If you work and rely on your paycheck, you need disability insurance.

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NEXT STEPS

What you need to do is:

1. Find out what disability insurance coverage you have at work (short-term, long-term, both or none at all). Your HR department can help you out with that.

2. Make sure you know how much coverage you actually need. (Keep in mind: Your employer may give you coverage as a benefit, but that doesn’t mean it’s enough!)

3. Get an individual disability insurance policy to fill in any gaps you might have to make sure you’re taken care of if something were to happen to you.

Reach out to me for help in finding a policy that fits your needs and your budget.

Do You Have Medicare Supplement Coverage?

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Don’t let health care costs drain your savings.

You have spent a lifetime working hard—planning and saving for a retirement that’s carefree.  The last thing you want to worry about when you finally hit retirement age is how you are going to pay for health care expenses.

(NEED ASSISTANCE WITH MEDICARE SUPPLEMENT COVERAGE? CONTACT ME.)

Medicare Supplement Insurance helps share your health care costs.

If you are 65 years of age or older, you are entitled to Medicare, the nation’s largest health insurance program. Because Medicare is a compromise between what is needed and what the government can afford to pay, there are obvious gaps in coverage. That is why a Medicare Supplement Insurance plan is important.

Medicare Supplement Insurance from will help pay some of your health care costs not covered by the Original Medicare Plan, like coinsurance and deductibles. Plus, it’s affordable! Our Medicare Supplement Insurance plans have rates that will not strain your household budget.

To qualify for Medicare Supplement Insurance, you must first enroll in Medicare. You can sign up for Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) by following this link for Medicare online enrollment.  If you enroll in Original Medicare, you also may enroll in a Medicare prescription drug plan (Medicare Part D) to add drug coverage.

Get comprehensive coverage with Plan F.

Medicare Supplement Insurance Plan F is our most popular plan, generally because it has very comprehensive coverage available to the senior population. If you purchase this plan, you will rarely pay medical bills because all medical and hospital deductibles and coinsurance amounts for Medicare-eligible expenses are covered. Medicare Part B excess approved amounts may not exceed any charge limitations established by Medicare.

Teledoc – By Pass the Office Visit!

teladoc2Entire family can have access to a doctor 24/7/365 for $20 a month!

Never leave your home to speak with a doctor and get a prescription faxed into your pharmacy!

Contact me to sign up for this program today!

When we get sick, we don’t always need to go to a doctor’s office, do we? Going to the doctor for a cold that won’t go away versus going to the doctor for an annual exam or cancer screening are much different. The problem is that medical staffs are short staffed. If your appointment is at 3:00 pm, you are expected to check-in at 2:45 pm and may not even see your doctor until 4:00pm. This means, you have to leave work early and miss out on pay.

Today, I want to share how you can see a doctor in a different way – via phone/video! Sounds crazy, but with all advances in technology, it’s genius! Did you know…?

70% of all doctor visits could have been handled via phone/video?

With the Affordable Health Care Act, and Universal Healthcare costs, many Americans are finding themselves in positions that are, well, not so affordable. I’ve personally met with people who say that they would rather take the required fine for not purchasing insurance then pay their insurance premium. There are two sides to every story, but the truth be told:

HEALTH CARE COSTS ARE TOO HIGH.

As a business owner myself, I find that it is difficult to make time to see the doctor, and pay out of pocket office visit fees for a simple infection or cough. Financially, it hurts both me, and my business. If you work full-time, attend school, or have a jam packed schedule, you can relate. Even IF I am forced to enroll in Universal Health Care, what if my doctor is overbooked or I simply can’t afford to take time to go?

While having this conversation with a colleague, he told me about a program which will cover individuals or entire families! Teledoc! I can actually sign up for this program, and use my phone to contact a doctor directly for minor illnesses. On top of that, he will write a prescription if necessary and fax it to my pharmacy. 

While working in this new Affordable Health Care system, I see areas which are causing premiums to rise. You see, most healthy young people, between 18-35 don’t visit the doctor too often. This is what the Affordable Health Care Act is banking on for the funding of the new system. The younger people are required to pay in to the system, but likely won’t use their physician as much. Not just that, I have several clients and family members over the age of 60 years old who’s premiums have also gone up! This is not affordable for any of us.

What if there was another solution for those who find health insurance unafforable, or even for those who already have health insurance, but want a supplement program? There is!

Contact me for more Teledoc information or other options I may have for you and your family.