Thank you for visiting Stockett and Associates where we specialize in Medicare solutions, long term care and health insurance. As an independent agency we work with a wide range of carriers so that we can provide you with the best insurance options to meet your needs. Take a few minutes to explore our site, to learn about the types of coverage we provide and meet our staff.
Services
Once you have coverage in place, you can NEVER lose your insurance due to declining health.
Nursing homes, assisted care facilities, hospice care, adult day care and others are offered.
Survivorship benefit is provided if both husband and wife are insured on the same policy and the policy has been in place for 7 years.
If one spouse dies, the surviving spouse's premium will be waived for the life of the policy.
If the policy has been in force for at least 5 years, the surviving spouse may pay the remain 2 years of full premium to utilize this benefit.
Nursing homes, assisted care facilities, hospice care, adult day care and others are offered.
Survivorship benefit is provided if both husband and wife are insured on the same policy and the policy has been in place for 7 years.
If one spouse dies, the surviving spouse's premium will be waived for the life of the policy.
If the policy has been in force for at least 5 years, the surviving spouse may pay the remain 2 years of full premium to utilize this benefit.
Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment, are 65 years old, and a citizen or permanent resident of the United States.
If you are not 65, you might qualify for coverage if you have a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant).
You already get retirement benefits from Social Security or the Railroad Retirement Board.
You are eligible to get Social Security or Railroad benefits but have not yet filed for them.
If you are not 65, you might qualify for coverage if you have a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant).
You already get retirement benefits from Social Security or the Railroad Retirement Board.
You are eligible to get Social Security or Railroad benefits but have not yet filed for them.
We have found there are many factors that are relevant when comparing an employer-sponsored health plan and Medicare insurance.
Keep in mind that often times employer insurance may become much more expensive when you turn 65 and the coverage may be very different.
Be sure to consult your Human Resources department for accurate information regarding your benefits.
NOTE: It is likely that (unless you receive an employer subsidy) Medicare and a Medicare Supplement plan may be more affordable and offer a higher level of coverage than your employer's plan.
Keep in mind that often times employer insurance may become much more expensive when you turn 65 and the coverage may be very different.
Be sure to consult your Human Resources department for accurate information regarding your benefits.
NOTE: It is likely that (unless you receive an employer subsidy) Medicare and a Medicare Supplement plan may be more affordable and offer a higher level of coverage than your employer's plan.
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some or most of the health care costs that Original Medicare doesn't cover, like co-payments, coinsurance, and deductibles.
If you have Original Medicare and you add a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs.
Your Medigap policy pays its share.
If you have a Medicare Advantage Plan, you can switch to a Medicare Supplement insurance policy, but make sure you can leave the Medicare Advantage Plan before your Medicare Supplement insurance policy begins.
If you have Original Medicare and you add a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs.
Your Medigap policy pays its share.
If you have a Medicare Advantage Plan, you can switch to a Medicare Supplement insurance policy, but make sure you can leave the Medicare Advantage Plan before your Medicare Supplement insurance policy begins.
With the traditional long term care insurance you pay your premium, and if you need long-term care due to age or illness, the policy pays out a daily or monthly benefit.
Some people think that if they die without needing long-term care, they feel they've "wasted" the premiums.
With a hybrid plan you can withdraw funds from the policy for long-term care, and the insurance company pays for care when those funds run out.
And, if die without having needed expensive long-term care, your heirs receive a death benefit.
Some people think that if they die without needing long-term care, they feel they've "wasted" the premiums.
With a hybrid plan you can withdraw funds from the policy for long-term care, and the insurance company pays for care when those funds run out.
And, if die without having needed expensive long-term care, your heirs receive a death benefit.
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