Insurance can be confusing. Greg and his team will be happy to answer any questions you may have about your insurance options. Part of their job is to make insurance easy for you to understand. Greg and his team are independent agents, meaning they can represent dozens of insurance companies at the same time. Let them shop around to find you the best coverage for the lowest price.
If keeping your doctor is important to you, Greg will find you a plan that allows you to do so. Greg is one of the top Medicare Supplement agents in the country, and he has thousands of happy clients. Thanks for the information you recently sent me on Medicare supplements. This wasn't the case and I am sure you have heard the same from others, that this was the clearest description of the different options and makes it easy to decide what course to take.
I decided early on to buy from somebody here in Salem and would gather all the info so I could educate myself on Medicare Supplements before dealing with them.
If keeping your doctor is important to you, Greg will find you a plan that allows you to do so. Greg is one of the top Medicare Supplement agents in the country, and he has thousands of happy clients. Thanks for the information you recently sent me on Medicare supplements. This wasn't the case and I am sure you have heard the same from others, that this was the clearest description of the different options and makes it easy to decide what course to take.
I decided early on to buy from somebody here in Salem and would gather all the info so I could educate myself on Medicare Supplements before dealing with them.
Services
You are guaranteed enrollment in a Supplemental plan until six months have passed after your part B enrollment date.
You want to make sure that you take advantage of this window of opportunity.
Once the 6 months has passed after signing up for part B, an insurance company has the right to decline coverage.
But now they have no choice but to accept you for coverage.
For those who have been on disability and are turning 65 you have the same open enrollment period.
So, with all the choices in coverage and all the companies offering coverage which one should you select?
You want to make sure that you take advantage of this window of opportunity.
Once the 6 months has passed after signing up for part B, an insurance company has the right to decline coverage.
But now they have no choice but to accept you for coverage.
For those who have been on disability and are turning 65 you have the same open enrollment period.
So, with all the choices in coverage and all the companies offering coverage which one should you select?
Medicare has introduced prescription drug plans to help save money on prescription drugs.
Medicare offers these plans through private insurace companies.
If you would like to receive this coverage, you will need to select and purchase a plan.
Medicare has installed a financial incentive for all to enroll immediately.
If you enroll after your open enrollment date - you will be paying a higher premium of 1% per month that you wait to enroll.
For example, if you wait three years to enroll in a plan (36 months) your penalty and added premium will be 36% higher each and every month for the rest of your life.
Medicare offers these plans through private insurace companies.
If you would like to receive this coverage, you will need to select and purchase a plan.
Medicare has installed a financial incentive for all to enroll immediately.
If you enroll after your open enrollment date - you will be paying a higher premium of 1% per month that you wait to enroll.
For example, if you wait three years to enroll in a plan (36 months) your penalty and added premium will be 36% higher each and every month for the rest of your life.
These plans are offered on a guaranteed issue basis which means there is no underwriting with the stroke of a pen you are covered.
To protect themselves from adverse selection (sign up slap them with a big claim and saying see you later) they have waiting periods for major work.
If you are just going for cleanings and x-rays you usually come out on the shorter end of the stick with these plans.
What you really need to consider is what your own history and family history has in store for your future dental work.
To protect themselves from adverse selection (sign up slap them with a big claim and saying see you later) they have waiting periods for major work.
If you are just going for cleanings and x-rays you usually come out on the shorter end of the stick with these plans.
What you really need to consider is what your own history and family history has in store for your future dental work.
For an employer of 100 or fewer employees you may want to search the exchanges for coverage for your company.
If you do and the numbers are right (number of FTE and Average Wages) you could be eligible for a tax credit.
You can offer coverage in one of several ways by using the exchange.
This gives the small employer much more flexibility in plan offerings to employees - The Employees have more say in their own benefits.
You set up the Business Profile first, demographics, employer contribution levels, etc. - then provide a link for your employees to select coverage.
If you do and the numbers are right (number of FTE and Average Wages) you could be eligible for a tax credit.
You can offer coverage in one of several ways by using the exchange.
This gives the small employer much more flexibility in plan offerings to employees - The Employees have more say in their own benefits.
You set up the Business Profile first, demographics, employer contribution levels, etc. - then provide a link for your employees to select coverage.
Today some amazing products have been developed and they cost less than policies with less benefits would have cost you before 2000.
This is primarily because life expectancy has increased over the years which gives the company more time to build the funds to pay the average claim.
This is good for the consumer.
Think of it as renting - The premium is only paid for a period of time (term) and if you stop paying premiums NO Claim will be paid.
This type of insurance is great for younger families with limited resources that need to cover a large need such as a college fund until the kids are gone.
This is primarily because life expectancy has increased over the years which gives the company more time to build the funds to pay the average claim.
This is good for the consumer.
Think of it as renting - The premium is only paid for a period of time (term) and if you stop paying premiums NO Claim will be paid.
This type of insurance is great for younger families with limited resources that need to cover a large need such as a college fund until the kids are gone.
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