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United Health Care branded Plan C Medigap Connecticut

This post contains some important information about United Health Care branded Plan C Medigap Connecticut.  The terms “Medigap” and “Medicare Supplement”  are interchangeable they both describe the same product.  They both refer to an insurance plan that provides medical coverage that is secondary to Original Medicare.  In fact,  Medigap plans are standardized in Connecticut.  This means that there is no variation in the benefits clients receive from one company to another company.  AARP branded Medigap plans through United Healthcare currently have the lowest rates in Connecticut.  Plan C is one of three Medigap plans in Connecticut that people under the age of 65 can enroll in.

CLICK HERE FOR MORE INFORMATION ON PLAN C

 FOR MORE INFORMATION – CLICK HERE

CLICK HERE FOR AN APPLICATION

If you have any questions, please contact us.  You can reach us either by phone at (203)796-5403 or by email at Edward@croweandassociates.com.  We are happy to give our agents any support that they need in order to be their best and grow their books.

UHC Branded Plan C Medicare Connecticut Supplement

Original Medicare covers many health care services as well as supplies. Although, there are many costs it doesn’t cover.  That is why we will explain some things about the UHC Branded Plan C Medicare Connecticut Supplement.  A Medicare Supplement policy is health insurance that private insurance companies are able to sell to clients.  In fact, clients use these policies to fill gaps in their Original Medicare coverage.  Medicare Supplement plan C is unique in Connecticut.  This is because it is one of three supplements in the state that people on Medicare under the age of 65 can enroll in.

Medigap policies like plan C help pay your share (coinsurance, copayments, or deductibles) of the costs of Medicare-covered services. Some Medigap policies cover certain costs not covered by Original Medicare.  Plan C is the most comprehensive plan that can be purchased by people under the age of 65.  Plan C covers all categories of benefits not fully covered by Original Medicare with the exception of Part B excess over 100%.

Medigap insurance companies

Insurance companies can only sell you a standardized Medigap policy identified by letters A through N. Each standardized Medigap policy must offer the same basic benefits, no matter which insurance company sells it. Cost is usually the only difference between Medigap policies sold by different insurance companies. Additionally,  AARP branded supplements through United Healthcare currently have the best rates for medicare supplement Plan C.

These supplemental plans can be a very important tool to fill your clients insurance coverage needs.  We want to make certain that our clients have all the coverage to protect both their healthcare needs as well as their budgets.  It is important for you as an agent to be knowledgeable about all the options for insurance that your clients have available to them.

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CLICK FOR AN APPLICATION

If you have any questions, please contact us.  You can reach us either by phone at 203-796-5403 or by email at admin@croweandassociates.com.

UHC Branded Plan L Medigap Connecticut

The term “Medigap” and “Medicare Supplement” are the same.  They are both just terms to describe Medicare plans that are secondary to Original Medicare.  These plans only cover medical expenses.  They do not include a Part D drug benefit.  That is why we are taking the time to inform our agents about the UHC Branded Plan L Medigap Connecticut.   In fact,  Medigap Plan L is offered by AARP through United Healthcare. United Healthcare currently has the lowest cost plan L in Connecticut.

All Medigap plans are subsidized in the state of Connecticut.  In fact, this means that if a company offers a Plan L, it must have the same benefits as every other company that offers the option of a Plan L.     CLICK HERE TO LEARN MORE ABOUT PLAN L.  Please keep yourself up to date on all the Medicare supplement plans available to your clients.  This is the best way to give your clients the service they deserve, so they will not need to go elsewhere for information.  If you provide clients the coverage they need as well as the prices they can afford, your book of clients will grow.

CLICK HERE FOR MORE INFORMATION

CLICK HERE FOR AN APPLICATION

Please feel free to contact us if you have any other Questions.  You can reach us either by phone at 203-796-5403 or by email at admin@croweandassociates.com.

UHC Branded Plan F Medigap Connecticut

This post will explain some of the ways that UHC Branded Plan F Medigap Connecticut can benefit your clients.  The term “Medigap” and “Medicare Supplement” mean the same thing.  They are both names for a particular plan that is secondary to Original Medicare that a private insurance company offers. In fact,  Medigap plan F and Medicare Supplement plan F are one in the same.  It is important to note that Plan F covers 100% of medical expenses that  Medicare Part A and B do not cover.  Although, Medigap plans do not cover prescription drugs.   You will need a separate stand alone Part D plan in order to obtain drug coverage.

AARP offered through United Healthcare currently has the lowest cost plan F supplement in Connecticut at a monthly rate of $220.50 a month.  This rate is lowered by 5% if a spouse also has a AARP supplement plan.  You can also lower your payment by an additional $2.00 a month if  you elect to have payments automatically deducted from your bank account.  Click the following link if you would like more information about Plan F.   INFORMATION ON PLAN F

 FOR MEDICARE ADVANTAGE AND MEDICARE SUPPLEMENT COMPARISON INFORMATION CLICK HERE

CLICK HERE FOR AN APPLICATION

Please feel free to contact us if you have any other questions.  You can either call our office at 203-796-5403 or email us at admin@croweandassociates.com.  We are here to help you feel secure with the health coverage that will best fit your medical needs as well as your personal budget.

United Health Care Branded Plan N Medigap Connecticut

Crowe and Associates would like to help you answer any questions you have about United Health Care Branded Plan N Medigap Connecticut.  Both terms “Medicare Supplement” and “Medigap” are interchangeable as they refer to the same insurance coverage. People use both these terms as names for private insurance plans that you can use as secondary coverage after your Original Medicare plan.  You should note that Medigap plans do not included Part D drug coverage.  In fact,  AARP offers Medigap plans through United Healthcare.  Additionally, people who purchase this UHC plan currently enjoy a lower premium rate.  This is an advantage over the other companies who offer Medigap plans at a higher rate in the state of Connecticut.

Often times people choose to use the Plan N as a supplement option as an alternative insurance choice to a Plan F Medigap plan.   If you would like to learn more about this,  FOR MORE INFORMATION ON PLAN N CLICK HERE.

CLICK HERE FOR MORE INFORMATION

CLICK HERE FOR APPLICATION

In Addition, please feel free to contact us if you have any questions.  You can reach us either by phone at (203)796-5403 or by email at admin@croweandasssociates.com.

AARP Plan N Supplement Connecticut Medicare

If you would like to learn more about AARP Plan N Supplement Connecticut Medicare, you should read this post.  AARP Medicare Supplements offered through United Healthcare currently have the lowest monthly premiums in Connecticut.   Medicare Supplements (also called Medigap) are standardized in Connecticut which means the benefits are uniform from company to company.  Plan N Supplement should be given consideration as an alternative to Plan F.   Plan N covers 100% of the part A deductible and coinsurance.  It will cover all but $20 of the Medicare Part B coinsurance.   The only other charge is a $50 charge for emergency room visits.

Plan N does not cover the part B deductible which is $144.00 one time per year.  It also does not cover part B excess over 100% and excludes coverage for foreign travel emergency.   The plan is still very solid and like all supplements, allows you to go to any doctor you choose as long as they accept Medicare.   The premium for plan N is $147.00 a month.  This cost should be compared to Plan F ($221.00 a month).  Often, the math will come out better on the plan N vs. the Plan F due to the premium savings.

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Other Questions?  Call our office at 203-796-5403

United Health Care branded Plan L Supplement Medicare Connecticut

This post will give some information about the United Health Care branded Plan L Supplement Medicare Connecticut.  In fact, AARP Medicare Supplements offered through United Healthcare currently have the lowest monthly premiums in Connecticut.   Medicare Supplements (also called Medigap) are standardized in Connecticut which means the benefits are uniform from company to company.  Plan L covers 75% of the cost share that Medicare A and B does not cover.  This means that plan L will cover 75% of the inpatient hospital deductible from Part A of Medicare and 75% of the Part B co-insurance. (Medicare Part B has 20% coinsurance).

Plan L

Plan L does not cover the part B deductible which is $144.00 one time per year.  It also does not cover part B excess over 100% and excludes coverage for foreign travel emergency.   The plan is still very solid and like all supplements, allows you to go to any doctor you choose as long as they accept Medicare.   The premium for plan L is $114.00 a month.  This cost should be compared to Plan N ($147.00) a month and Plan F ($221.00 a month).  In many cases, the math will come out better on the plan L as compared to the F or N.  You will see this is the case when you factor in the premium savings.

Bottom line:  Once Plan L covers 75% of the part B coinsurance, it will leave very small charges for doctors visits in the $8 to $12 range.  An inpatient stay would cost more as Plan L will cover 75% of the Part A deductible leaving the insured with $304 to pay out of the total charge of $1,216.00.

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CLICK FOR AN APPLICATION

If you have any other questions, please contact us. You can either call our office at 203-796-5403 or email us at admin@croweandassociates.com.

United Health Care branded Plan F Medicare Supplements CT

This post will give you some information about United Health Care branded Plan F Medicare Supplements CT.  Medicare Supplement plans (also called Medigap plans) are standardized in Connecticut.  This means that if a company offers clients a plan such as plan F, they must have the exact same Medical benefits as every other plan F that is available to clients.  As a result, finding the best plan F Medicare Supplement plan really just comes down to which company is offering it for the lowest premium.  United Health Care offers AARP plans in the state of CT.  These plans are consistently lower priced as compared to other plan F options available.

There are 10 possible Supplement plans that companies can offer in CT.   They are A,B,C,F, High Deductible F, D,G,K,L, M and N.  Each plan provides a different level of coverage.  Plan F is the most comprehensive and covers 100% of medical services that Original Medicare covers.   In other words,  people with a Plan F will not pay anything for medical services such as doctors visits, hospital stays, testing,  or any other approved medical expense.

Keep in mind that Supplements do not cover medications.  In fact, You will need to purchase a separate Medicare Part D plan if you want to have drug coverage.   Additionally, only services that original Medicare approves will be paid for by the Medicare Supplement plans.

Click here for a full list of companies offering Medicare Supplements in CT

 FOR MORE INFORMATION ON SUPPLEMENTS

CLICK HERE FOR AN APPLICATION

If you have any questions please feel free to contact us. You can reach us either by phone at (203)796-5403 or by email at admin@croweandasssocaites.com.  We are here to make sure you get the coverage you need at a price you can afford.

Guaranteed Golden Sales Contract (Vantis)

This post is going to give you some information about the Guaranteed Golden Sales Contract (Vantis).

Vantis Life offers the Guaranteed Golden Final Expense product in most states including NY.  In fact, this plan has quickly become the most popular guaranteed life product on the market.  The Face amounts for the product are $5,000, $10,000, $15,000 as well as $20,000.  Anyone between the ages of 50 to 80 years of age is eligible to apply for this policy.   Applications are only two pages long, this includes the one page rate sheet.  There are no health questions. The product has a two year grade.   CLICK HERE FOR 2014 GG Rate Sheet

We can set up either agent contracts or Agency contracts with payments that go directly to both the individual agents and overrides going to the agency.  Please be aware that Vantis will not issue agent writing numbers until the first case has been submitted.

Please click the link below to access the contracting.  Feel free to contact us with any questions you may have.  You can reach us either by phone at 203-796-5403 or by email at Edward@croweandassociates.com.

CLICK HERE FOR GUARANTEED GOLDEN SALES CONTRACTING

Stand Alone Dental Plans Connecticut

There are a number of stand alone dental plans Connecticut.  Stand alone dental simply means that either an individual or family can purchase the plan on its own.  There is no need to purchase any other type of insurance plan with it.  The plan is also not connected to any type of insurance plan that is offered from an employer.   In fact, when you purchase a stand alone plan, there is almost always a waiting period on both the basic and major services.   These waiting periods usually range from 6  up to 12 months.  It all depends on the plan you choose.

Cigna dental

Cigna dental currently has a stand alone dental plan with the best rates available for the benefits you receive.  They have three plan offerings. There is one plan that covers preventative only. There are two traditional dental plans with a $1,000 and $1,500 max annual benefit per person on the basic and major services.   All three plan designs are PPO’s.   This allows you to see any dentist even if they are not participating in the Cigna dental network.

In addition to having the lowest rates currently available in CT and one of the better networks of dentists, they will also waive the waiting period on basic and major services if the applicant has had previous dental coverage without a lapse.

CLICK HERE FOR MORE INFORMATION AND BENEFIT SUMMARIES

CLICK HERE TO QUOTE CIGNA DENTAL AND/OR ENROLL IN A PLAN

If you have any questions about these dental plans, please feel free to contact us.  You can reach us either by phone at (203)796-5403 or by email at Edward@croweandassociates.com.  We are always happy to help you choose the right insurance coverage for yourself and your family.  We can find a policy that fits your medical needs as well as your budget.